vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CO

Complaint narrative:
I chatted with Sallie Mae on XX/XX/2022 and requested information about how my loan payment was being applied. I was told I needed to call customer service. I called them the same day and requested an amortization schedule. I was told I would receive it in 24 to 48 hours. I never got it. I called again on XXXX, received the same information, and was told it would be provided in 24 to 48 hours. It was not provided. I send a written letter on XX/XX/2022 requesting again the amortization schedule. I have not received. I am paying {$100.00} more each month and they are charging me more interest than what I am making in payments. I am also a part of the XXXX class action suit. Sallie Mae has not acknowledged or put my loan in forbearance nor responded to my call for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am still trying to obtain information to the law that is consistently referenced in correspondence regarding my XXXX XXXX XXXX XXXX  Loan. In my original master promissory note, which is still held, it explicitly states that if we are not eligible for an income based repayment plan, that we can be switched to a Direct Loan. ( See attachment below ). It also states that if both parties are eligible for forgiveness, then we are eligible for forgiveness. If the terms of this master promissory note have changed or if a new contract was signed, we have no recollection or reference of that. I would like to know the SPECIFIC law that states that my loans can not be reconsolidated. Id like proof in policy that states that I can not be switched to a Direct Loan which would allow me to be put on an income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We discovered that our Mortgage lender Fifth Third Bank have been for many years, treating us unfairly with our monthly mortgage amounts and payment of Principle and interest and our escrow amounts and balances.This resulted in a prolong legal battle between us and fifth third bank.After our lawyer won our case not once but twice, fifth third agreed to another modification in 2018 and agree to a new principle and interest amount {$260000.00} cents, we have accepted this new modification and have been paying on time, but fifth third mortgage department have been treating us unfairly and have since increase escrow payments on us, which they were not suppose to charge us, and have also increase the monthly agreed mortgage payments to more than $ XXXX addition to these complains, they have ignored the legal settlement amount that " no other amount but the said amount of {>= $1,000,000} cents is owed to fifth third bank from the XXXX, XXXX defiance to the law, and legal council Fifth third Bank has added a deferred balance of {>= $1,000,000} cents to our mortgage balance of under {$220.00} at present.In repeated contact to the bank, ourselves and our Lawyer they have not removed that deferred payment clause and, now it is causing us great difficulty, in starting a new project with the equity we have built up in our property.We need your help in resolving this problem as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX rewards XXXX card, I called XXXX to purchase a ticket and in doing so they repeatedly charged my credit card in the amount {$790.00} for the train ticket on XXXX XXXX. So I called Bank of America credit card division on XXXX XXXX XXXX stating that I had {$8200.00} in pending charges from XXXX and that it should only be {$790.00} and the additional charges were not authorized by me and that all these charges put my credit card over my authorized limit.Now I explained that the card has now been useless to me and i can't purchase food with this card. The Credit card company stated it might take 10 days before these charges come off. And if the charges stay you can dispute the charges.I also contacted XXXX to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Within the last four monthly payment cycles, the interest charged for my auto loan has varied up to 80 %. The first and second monthly payment were made on the same dates for the same amount and the interest charged increased 49 %. The third monthly payment increased an additional 24 % from the second monthly payment interest charged. The only thing customer service could tell me was that the interest charged varies month to month and could not provide an answer as to why the interest increased when the first and second payments were made the same day for the same amount when the principal balance obviously decreased. It would seem that Truist is charging can not be explained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I downloaded XXXX XXXX  & noticed that I have a DEROGATORY MARK!? from debt amount owed to XXXX, so I looked into it further & it was submitted from the XXXX XXXX XXXX XXXX. {$150.00}. So I disputed because if & when I even had this appointment -I HAD/HAVE insurance.. & it definitely would have been covered under. So I filed a dispute because when I researched further the date of service is a date I didnt even have an appointment on..?! So I kept disputing & they made their decision - from documents or info provided by the company so now I am stuck with a derogatory mark for reason unknown! I had no clue of this until downloading XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have a Discover card which I used for a charge of : {$10.00}. Through my bank, XXXX XXXX XXXX, I electronically paid this {$10.00} charge to Discover card it was debited from my business checking account dynasty management group of which I am the sole manager. I caused a check for {$10.00} to be sent to Discover card and notified discover card before the payment was made and after the payment was made that the electronic check would have the name dynasty management group on it as well as my name Both as remitters. Discover card employee ( s ) somehow lost the payment and now after approximately five hours having been spent on the phone with me to no avail requesting to speak with management, supervisors, team leads and the like : discover card puts me on hold for five hours now over several days and refuses to remove the {$10.00} despite my having paid the {$10.00}. I will not spend {$30.00} to stop payment on an electronic payment that Discover card has on someones desk that did not credit the {$10.00} payment to my account. Further, I was told over several weeks that a manager would call me back and I never received a call until I informed Discover card that I was filing this FTC complaint against Discover Card. I am XXXX under the Americans with disabilities act, I am XXXX years of age and a senior citizen, and I am on a limited income. I also was the victim of a XXXX XXXX XXXX  for which I now require several XXXX. I respectfully request Discover card to remove the {$10.00} charge from my credit card account including any cumulative interest or late payment for reasons stated herein. When Discover card locates the payment that I caused to be sent electronically from XXXX XXXX XXXX Bank to Discover Card they are welcome to deposit my payment referenced to herein above to my credit card account to offset the {$10.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied and got approved for the XXXX XXXX XXXX with a one time bonus for {$200.00} upon spending {$500.00} within the first 90 days of account opening and a 1.5 % cashback. I made my purchases in the next couple days and when I logged in again on the website I did not see the XXXX XXXX bonus while another account showed up ( XXXX ). According to the CapitalOne Agent I called on XX/XX/XXXX, she confirmed that the activation actually brought up a card I approved years ago ( XXXX ), and I won't get the bonus but the other account that recently approved would be. Hence, I made another XXXX XXXX purchases but eventually I didn't get the {$200.00} bonus on that either. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX confirmed the bonus. When I called in again, CapitalOne denied it. Since their phone call is all recorded. Please tracking with the provided info. 

Case XXXX, Agent name XXXX, XX/XX/XXXX -- requested to invest on the phone call I made on XX/XX/XXXX which confirmed the bonus. 
Case XXXX, Agent name XXXX, XX/XX/XXXX -- illustrated the previous requested case number and rejected the adjustment and telling me the rejection was made on XXXX. 

I personally feel I was taken advantage of due to CapitalOne 's systematic issue. I have tried to straight this out for some time. In general, I am manipulated. I followed their instruction while they failed to redeem what they promised to do. As of now they are ruining my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I am XXXX submitting this complaint against EOS CCA and there is no third party involved. EOS CCA did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received notice that I had not paid my bill due in early XXXX. I sent them a copy of my canceled check in the amount of {$230.00} which had been mailed to the correct addres and was endorsed as deposited to the payee by XXXX Bank. Capital One responded that it was not their bank and refused to look further into why a check mailed to them had been cashed by another bank. My bank says that no bank would have endorsed that check as paid unless the account name was correct. Capital One simply said that I had to again pay the bill and they retained the finance charge and late payment fee as due. 
We have an excellent credit rating and do not deserve to have this payment shown as late, especially since we had actually paid the bill, which has not been disputed. 
The case number with CapitalOne is XXXX

Company response to consumer: Closed with explanation