vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found a late payment on my credit from XX/XX/2022 for my Kohls credit card. My payment was NOT 30 days late. It was accidentally 7 days late and when I realized it, it was paid and account was current. XX/XX/XXXX payment was due and late fee charged, XX/XX/XXXX it was paid and most of late fee returned. They are refusing to remove this from my credit report and this doesn't make sense to me and is very unfair. It clearly says late payments should be XXXX days old, not 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On XX/XX/23, I submitted a {$500.00} payment from my bank account to repay my federal loans and fulfill a {$340.00} payment that was due. I received a payment confirmation email with a payment confirmation # of XXXX. On XX/XX/23, I received an email from Aidvantage stating that my account is overdue. When I logged in today immediately after receiving that email ( XX/XX/23 ), I see that there have been no payments applied my to account. I have just submitted another {$500.00} payment on my account, which is now showing as past due. I've received another confirmation email, this time with payment confirmation # XXXX, but I have no idea if this payment will actually go through or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
As usual, Select Portfolio Services is up to shenanigans on my mortgage XXXX. 

I sent a {$2900.00} payment on Saturday, XX/XX/XXXX to their overnight address, which they received at XXXXXXXX XXXX on XX/XX/XXXX. I have proof from the USPS in the attached document ( Slide XXXX ). 

The U.S.P.S. confirmed the package was received on XX/XX/XXXX at XXXXXXXX XXXX. ( Slide XXXX ). So, THEY SHOULD HAVE POSTED IT XX/XX/XXXX. THEY did not. They are waiting for some reason. I pray to XXXX it posts XX/XX/XXXX and is back-dated to XX/XX/XXXX. 

This is unacceptable. I want the payment back-dated to XX/XX/XXXX, which is the day they received it. As I understand it, they HAVE TO DO THIS! IT IS THE LAW! 

This is a very important payment for me. The payment, by posting on XX/XX/XXXX, would mean that my mortgage was CURRENT as of XX/XX/XXXX and XX/XX/XXXX, with my next payment not due until XX/XX/XXXX. 

This is important because by making my mortgage current on XX/XX/XXXX, it resets the foreclosure clock that all mortgage lenders run. I know this because I was a XXXX XXXX at XXXX XXXX XXXXXXXX. 

But what I believe THEY are doing is trying to drag the posting of my payment into XXXX so you can claim I was never on time and keep the foreclosure clock right where it is! It is a DISPICABLE tactic! and they must be stopped. 

You can see in my attachment that the payment is posting effective XX/XX/XXXX ( slide XXXX ). This is one day late as they dragged their feet on posting the payment. You must fix this! 

Further, I want a SIGNED letter from SPS stating my mortgage was current on XX/XX/XXXX, and XX/XX/XXXX, with my next payment due XX/XX/XXXX. So, in the future, WHEN SPS tries to pull a fast one, I can throw their own acknowledgement letter back at them. 

I want this payment back-dated to XX/XX/XXXX XXXX, XX/XX/XXXX! Please use your power to force these clowns into doing their jobs! 

Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
I have a payment due in 2 days and never received an account invoice. The amount just appeared on my screen with a due date of XXXX. I thought I was supposed to start making payments last month but nothing ever auto withdrew.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX AND EXPERIAN ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.

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 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a letter via USPS dated XX/XX/2023 informing me that the application for a TJ Maxx credit card was denied due to " unable to access credit bureau due to freeze or lock. '' I DID NOT MAKE THIS REQUEST. I HAVE NO INTEREST IN A TJ MAXX CREDIT CARD. 

On XX/XX/2023, I called Synchrony Bank at XXXX XXXX. Synchrony Bank verified that an application was submitted on XX/XX/2023 using my name and select other information and that NO credit report was pulled and the application was denied.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In early XXXX someone reached out to me and said that they wanted to help me join an organization that is dedicated to helping one improve themselves and help others. There was an initial start-up cost and after conversing and gaining the trust of this individual. I believed that he wanted to help me with this cost. He sent me a check book and with my youthful ignorance I did not realize the checks were in my name. I agreed to cash a check for {$4200.00} and I sent it over to a XXXX XXXX wallet. After the transfer, my account showed that the check was redacted. My account still stands at a negative balance and I have no means to pay this off. All I want is for my account to be at a XXXX balance so I can close the account because this alleged organization has the account and routing number. I have no idea what to do and this XXXX XXXX is already hard enough. I informed the bank the what happened, but they are willing to do anything.

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
XXXX ) I am writing to express my complaint on WISE for holding my money for a long time. WISE has closed my personal account on XXXX of XXXX and is not returning the money to my personal account till now, XXXX of XXXX. I provided all the required data for refund from my personal account, where at the time of closing were XXXX euros. I would like to receive this money into my personal account in another bank as soon as possible, since I have nothing to pay for my expenses and this amount is very critical for me. 


2 ) MY business account in WISE were closed as well. There was a small amount in my WISE business account, and I do not have another account for the same company name as WISE asked. I do not plan to open a new business account to return the money. can I receive them to my personal account?

3 ) Can those 2 refunds be done separately from each other? Can I firstly get my personal money back as I provided all required info asap, please?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
In XX/XX/2021, I moved from residence from XXXX to XXXXXXXX XXXX SC. In end of XX/XX/2021, I contacted XXXX XXXX and informed them that I would be moving from my residence and to transfer my service. My last bill should be in XX/XX/2021. XXXX XXXX representative transferred my service to XXXX XXXX XXXX, XXXX XXXX SC XXXX. At the time there was no outstanding bill on my account otherwise I would not have been able to transfer my service. XXXX XXXX failed to discontinue my service at XXXX XXXX XXXX as a result I incured a bill for {$490.00} and therefore violated by consumer protection rights. There has been two debt collection companies that have contacted me for the past two years and I have contacted affirmed the assertions I am making in this dispute. There is not debt owed because I transferred by service. XXXX XXXX has retained Bull City Financial Solutions , Inc . I am affirmatively disputing the debt owed of {$490.00} under the debt collection laws. XXXX XXXX should have done their due diligence and shut off the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2023 I purchased a XXXX XXXX on the XXXX XXXX located in XXXX XXXX Once I arrived I was notified that the cruise was cancelled because of bad weather and rescheduled for XX/XX/2023. I and my guests arrived at XXXX XXXX for the XXXX XXXX cruise only to find out that it was also canceled and rescheduled for the previous night XX/XX/2023. I was never notified by phone or email or any other way that the cruise was moved to yet another date. I filed a dispute with Discover stating all of the facts above. Discover claims that the charge was valid and no refund is available. At this point, I am to assume that Discover purchases are not protected against fraud which is clearly fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX AccounXXXX Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WV

Complaint narrative:
There are too many instances to report about this slumlord that owns XXXX XXXX  XXXX XXXX in XXXX, WV. Basically, we lived here 7 years. In those 7 years, we always paid our rent early, except one time in 7 years we were late a few weeks. Long story short .... The office manager gave us a fictitious payment/debt owed ledger. We were appalled to say the least! We sent the office manager a large and fat manilla envelope with copies of our monthly rental payments. We even went to court over this. The judge threw it out of court. We gave our moving notice on XX/XX/2022 and moved out completely on XX/XX/2022. We owe nothing, but XXXX XXXX XXXXXXXX XXXX turned a fictitious ledger into a debt collector, and it has affected both our credit histories. 
We owe absolutely nothing!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
I am writing to formally complain about Ed Financial Services for not accurately updating my in-school deferment status for my student loan account. This oversight on their part has caused undue stress and has wrongfully displayed my account as delinquent. 

On two separate occasions, specifically on XX/XX/23 and XX/XX/23, I contacted the customer service department to verify and confirm the status of my in-school deferment. During both of these calls, I was informed that due to the overwhelming response of the XXXX XXXX XXXX, my account would have to undergo a manual update to reflect the correct status. I was under the impression that these manual adjustments would be made promptly. 

However, I was dismayed to find out that as of today, XX/XX/23, my account still displays as past due for a payment scheduled initially on XX/XX/23. This error impacts my financial record and subjects me to undue stress and the potential for further financial penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This {$100000.00} student loan account has already been disputed with Experian and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by XXXX and Experian as if owe it again. And re-appeared after it had been disputed and investigated and documented by Experian as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen XXXX Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per XXXX XX/XX/XXXX, Letter : Despite XXXX XX/XX/XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/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 2023-10-31 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: DE

Complaint narrative:
TRANSUNION AND XXXX ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I tried opening a Venmo account ( for my friends birthday - as advised by my friends )- and I filled in information - including my credit card information. Then a program popped up saying I was to pay {$50.00} per month to watch programs! I didnt sign up for this. My goal was to send a friend {$50.00} for her birthday- as my friends suggested that I use this program. I have never used it before. 

Now Im worried that I gave my credit card information to this company- which I think might be fraudulent. How stupid was I? 

Please advise. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

Complaint narrative:
My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was acct. XXXX XXXXXXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXX XXXX XXXX XXXX and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXXXXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?

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