vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
Servicer : Mohela for federal student aid. 


I am part of the PSLF program. Mohela went under a transitioning period where they placed all loans part of the PSLF ( meaning my loans ) to a new servicing platform. I was notified in XXXX that this would take place and that all loan would be forcibly placed on forbearance during this period to allow the transition to occur. I was very concerned about this forbearance as I knew that capitalization occurs after forbearance. I relayed this to Mohela over the phone with customer service in XXXX and was told that the forbearance was required and that this would not occur. I received a letter dated XX/XX/year> stating " Mohela has competed its Loan Servicing Platform Transition for your student loans. '' Today I received a letter dated XX/XX/XXXX reporting Capitalized interest following the forbearance. I called Mohela and the representative I spoke to was very generic and stated that this occurs. I again enforced the fact that this forbearance was required and not optional. I am hoping to have this remedied and for this interest to be removed as it is incorrect and quite frankly unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got an update on XXXX XXXX on XX/XX/24 saying there has been a new inquiry on my credit report from Capital One bank. I do not bank at Capital One and I have not tried to so this is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
i checked my credit through experian.com when i saw an auto loan account and several inquiries that's been on my credit report that's not mine i tried calling several times and no one seems to be able to help me with this issue, please assist me with the removal of the following account and inquiries currently being reported on my credit report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a debt bondage survivor, a form of human trafficking where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists human trafficking survivors. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with trafficking experiences upon the submission of an official claim.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After checking my consumer report I noticed 1st progress reporting an account open on XX/XX/year> without my consent. I never did any business with this company someone must have used my personal information over the web to impersonate me. Also, Experian and this company are committing identity theft and violating several of my rights by continuing to furnish this fraudulent data without ever reaching out to confirm it with me. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it is reporting without valid evidence. Experian and First progress are not being fair furnishing fraudulent inaccurate information and this has become very harmful to my finances and ability to get credit in the future.

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/2024 I contacted XXXX. XXXX XXXX XXXX regarding a debt that showed up on my XXXX credit report that I had never received a debt validation notice about. I called asking for proof of debt to be emailed to me at XXXX. 

After no proof of debt was sent, I filed a dispute with XXXX on XX/XX/2024, and followed up with a call, I left a voicemail asking for a call back. 

On XX/XX/2024 I called again to ask about next steps and was transferred to a representative named XXXX, her phone number was ( XXXX ) XXXX. She told me that they did not have proof of debt and due to my filing of that dispute they would be in contact within 30 days of XX/XX/2024, and that my account number for this was XXXX. 

XXXX stated that my Dispute results were ready on XX/XX/2024 with report number XXXX, however the day prior I had just confirmed the XXXX Collector had no proof of debt. 

I called and left a voicemail XX/XX/2024, after those 30 days to ask for an update, and after not hearing anything I filed an additional dispute XX/XX/2024 stating I received no proof of debt, and the 30 day period had passed for the debt collection company to obtain it. 

On XX/XX/2024 for report number XXXX, XXXX XXXX stating that the dispute has been completed and still provide no proof. 

I tried calling again, XX/XX/2024, and it went straight to voicemail again. 
I received a letter dated XX/XX/2024 stating " We previously provided you with the documentation provided by our client to validate their claim. '' Which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I called them XXXX about making a transfer, every time they tell me the transfer will go through, but then they will decline the transaction After the XXXX times, XXXX force closed my account I called another 5 times on this, and demand to receive my money back 1 month later i still haven't received my check. I continue to call and only got bounce amount different agents, who didn't understand my issue and keep hanging up on me As a result, i spent XXXX hours dealing with their nonsense and still haven't received my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1666b violation of the law by reporting late payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
You replied that the alleged transactions that you identified as late are verified. The following accounts are : XX/XX/XXXXXXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US BANK Froze all accounts starting with my checking and XXXX credit card accounts, XXXX card that I had for 15 years, because I tried to send {$20.00} they XXXX, to someone they said was a scammer or a fraud according to them. I had no way of knowing this. All of my credit card accounts have bedn paid in full every month. This has been over XXXX weeks ago and I still have not received my money that was in my checking account.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX auto finance is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past 3 months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/year> my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter finance has my account showing as a charge off | paid in full. They are claiming my account was charged off before they received payment. They claim they didnt receive payment until end of XXXX but I totaled my truck and notified them the XXXX before. They sent a letter that my account was paid in full. Not that my charge off was paid. They also sent me XXXX so they cancelled the debt and was still paid and I was responsible for the taxes on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This issue was addressed on XXXX OF XX/XX/year> FAIR COLLECTIONS AND OUTSOURCING IS REPORTING A COLLECTION ACCOUNT AS OPEN WITH A {$0.00} BALANCE. I received a copy of my credit report and found that TRANSUNION continues to illegally report inaccurate, non compliant, and false information about me. TRANSUNION is reporting an account from XXXX as a collection that is open and with a {$0.00} balance. 

This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standard. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report. TRANSUNION is required to remove any information that is not true, accurate, COMPLIANT, and verifiable. I demand that the above mentioned derogatory item be permanently removed from my report.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: MI

Complaint narrative:
After checking my consumer report I noticed XXXX XX/XX/XXXX reporting an account open on XX/XX/2020 without my consent. I never did any business with this company someone must have used my personal information over the web to impersonate me. Also, XXXX and this company are committing identity theft and violating several of my rights by continuing to furnish this fraudulent data without ever reaching out to confirm it with me. Under XXXX U.S.C. 1681i ( 7 ) Method of verification this account is in violation it is reporting without valid evidence. XX/XX/XXXX andXX/XX/XXXX are not being fair furnishing fraudulent inaccurate information and this has become very harmful to my finances and ability to get credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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