vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2023-11-03 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: WI

Complaint narrative:
I received an email that my loan payment was late for XXXX for {$160.00} and I had a new loan payment if {$160.00} due for XX/XX/. I paid the balance of {$320.00} on XX/XX/ and received a confirmation email stated payment was received and on XX/XX/ received an email stating payment was posted. On XX/XX/ I received 7 emails stating my payment is past due for the same dates and amounts and that my payment was reversed because back rejected due to no account found. I contacted my bank and asked why and they stated they never received inquiry about this transaction and they did not denied payment to be made. On XX/XX/, I contacted Aidvantage and the representative stated it was reversed due to bank not accepting payment. I informed them what my bank stated and the said it might have tried to come out of savings. I told them it was processed, confirmed by Aidvantage and posted. I informed them I have contacted the Department of education and filed a complaint and that my payment needs to be accepted and not reversed again as they are trying to add more interest and that I am aware of others that have had the same issue. This loan provider is fraudulent and needs to be held accountable. I never had issues with XXXX XXXX  and wish someone else was my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
There was {$1.00} late fee from a payment that was made literally XXXX hour after their " cut off time '' so i paid the account balance which included the ridiculous late fee and current charges. Which means the balance was paid before closing date. I contacted them in reference to this and they said they are not able to waive a {$1.00} late fee! And now they are charging me a finance charge fee on a late fee. Absolutely ridiculous. What I owe I have paid so the balance is only fees. My obligation has been satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 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: IN

Complaint narrative:
I can't handle this anymore! The documents are right there, attached! I'm practically shouting at the bureau to begin an investigation on these accounts. I've NEVER missed a payment, but they insist on reporting me as late. It's maddening!

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 2023-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: VA

Complaint narrative:
I have an account of 'Wise ' and I found the account was deactivated and closed suddenly. I could send money 10 days ago and after that I haven't logged in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Collector, XXXXXXXX XXXX received my account on XX/XX/XXXX from XXXX. My XXXX  account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is 10 plus years old now, and the account has been delinquent for 7 plus years now. 
XXXXXXXX XXXX  did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through TransUnion 3 times and each time they were unable to make changes. I have been locked out of both the XXXX XXXX and the XXXX XXXX XXXX, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the information.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2023-11-03 00:00:00
Product: Credit 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: FL

Complaint narrative:
I applied for a Capitol One Quicksilver card. There was to be a {$200.00} cash bonus if I spent {$500.00} in XXXX months. New customer offer. I complied with everything.. I called to find out why I did not receive my cash bonus. I was told I qualified and should receive it by XX/XX/XXXX. I called back the end of XXXX and was told I did not not Qualify as my card did not offer the {$200.00} bonus. I was told by two supervisors there was a notation on my account stating I did Qualify but that was not accurate. They said the person who made the notation would need additional training. Really?? You can't make this stuff up. The truth is I did Qualify and I can prove it. My daughter Emailed me a screen shot of the original ad. There is a tab on that ad to sign up for this program. You use the tab on the ad to sign up, making it impossible to make a mistake. We did this together and she received a referral bonus when I signed up. Subsequently I have printed current ads and they have the same promotion that I was offered. It seems that whenever you search CAPITOL ONE QUICK SILVER CARD this promotion comes up with the card. I have copies of my card, the two recent promotions and the cop [ y of the original promotion. I was told by a CFPD customer service representative that this isn't the first time this complaint has been made against Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: DC

Complaint narrative:
My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: DC

Complaint narrative:
My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-11-03 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-03 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX INQUIRY-XXXX  XXXX, 2023 XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XX/XX/2023 XXXX XXXX : INQUIRY- XXXX XXXX XXXX 2023 XXXX XXXX : INQUIRY- XXXX XXXX, 2023 I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.

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 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Guranteed Rate pre approved my loan back in XX/XX/2023. We went through the entire process and I found a house that we planned to close on in XXXX, Georgia. XX/XX/XXXX was the original closing date but the underwriters asked to extend the closing date to the XXXX so we all signed the 8 day extension to make that happen. During that week I had to sign a bunch of explanation letters explaining my work hours and get them a bit more info that they requested. The day before closing I got the thumbs up that we'd be closing the next day! I currently live in XXXX and would need to drive up to XXXX to close at XXXX the next day - I set off early morning and got a call about XXXX hours into the drive that they needed to more letters signed and I did. XXXX hours before closing I got the call that I would not be closing that day and that I did not in fact qualify for the loan amount that the pore-approved me for back in XXXX! 

I lost the earnest money I put down - {$2500.00} and convinced Guranteed Rate to refund me the appraisal but they refuse to take responsibility for the earnest money that the seller now gets to keep because the deal went haywire. I had no time to save the deal and no means to come up with the additional money that I didn't know I'd need. 

No one should be able to get XXXX hours out from closing and the deal fall apart because the lenders couldn't determine the loan amount their client qualifies for. 

Guranteed Rate Location & Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: CA

Complaint narrative:
I did not open these accounts

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
They, Citibank ( " XXXX '' ) Sears Card Shop Your Way Mastercard, refuse to stop reporting me as late in payments, as of XX/XX/2023, when they broke our original payment agreement of XXXX payments @ {$300.00}. They consistently state they are not servicing the account, nor are they supplying false/defamatory/negative information about my payments to them that they are accusing me of being late with, as of XX/XX/2023. They have sold this account to 3 different 3rd party collectors. Those people say they do not report me to the credit reporting companies. Citibank says they're not reporting me either, yet they accuse me, verbally, of being late by going by their procedures to cancel a monthly payment in letters they sent me, and now have the audacity to turn around and report me as late. I never was notified prior to XXXX XXXX I was " late '' in a communication from their 3rd 3rd party collector, which I am going to pay off the remaining balance tomorrow, XXXX, XXXX ; in the amount of {$570.00}. Citi claims I never made an agreement w/them to make XXXX pymnts. @ $ 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 2023-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Child Support -Child support is civil and there is no contract amount stated is not proof. I don't owe possibly someone with a similar name please delete off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Child Support -Child support is civil and there is no contract amount stated is not proof. I don't owe possibly someone with a similar name please delete off my credit 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 explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: FL

Complaint narrative:
We obtained a mortgage on our newly built home in XXXX. XXXX XXXX XXXX XXXX sent us a statement for XXXX for {$800.00} ( partial undeveloped land at that time ), Mutual of Omaha assessed us at {$9000.00} and insisted we pay it. They eventually sent us an overpayment refund check of {$8000.00}. In XX/XX/XXXX, I called to explain that XXXX XXXX sent another tax assessment bill based on market value and, again, it was {$4900.00}, but Mutual of Omaha demanded we pay their estimate of {$9000.00}, but said they would " fix it '', because it was so much more than the XXXX XXXX XXXX Collector 's assessment. Nothing was ever done! 
We just received the tax statement from XXXX XXXX XXXX Collector for {$5000.00}, which also indicated they were sending a copy of the tax statement to Mutual of Omaha. Once again I called and spoke to an agent XXXX XXXXXXXX XXXX who agreed with me that the {$9000.00} they were charging us was almost double the actual tax bill. I asked for a supervisor and was transferred to a static filled line and could not get another human being on the phone. I stated my name and number several times and asked for a return call to resolve this issue, but no one ever called me back.

I am beyond frustrated that Mutual of Omaha is unable to resolve this obvious mistake on their part, even though they keep giving me lip service that they should and will resolve this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MOHELA
State: NY

Complaint narrative:
I am pursuing PSLF and my federal loans are serviced by MOHELA. MOHELA placed my loans on a an " administrative forbearance '' without my request, beginning XX/XX/23 and ending XX/XX/23. This prevents me from making two monthly payments on my student loans that would count towards the 120 payments required for loan forgiveness. It lengthens the time these loans are active and allows two additional months for interest to accrue. I have contacted MOHELA through their internal message system twice over the past two weeks to request for the administrative forbearance I did NOT request to be removed immediately, and I have requested a payment due date in XXXX so that I XXXX make a required XXXX payment. I have not received reply correspondence from MOHELA. I have contacted MOHELA by phone and have been on hold for over two hours without being able to reach a representative. These call wait times are excessively prohibitive and I have not yet been able to reach a representative by phone to address this concern. 

MOHELA notified me by letter on XX/XX/23 of the administrative forbearance that began on XX/XX/23. This did not provide me any chance to request for the administrative forbearance to NOT be applied to my account. I have provided the PDF of this documentation here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
On XX/XX/2023 I received an alert on my XXXX account so I went to take a look at what it was, then I seen that a collection appeared for XXXX for the amount of {$1500.00} dollars I called XXXX immediately and reported that the account did not belong to me or that someone is fraudulently using my credentials because Ive never had XXXX as my phone carrier they then responded that I should make a police report and file a complaint with the cfbp as I am doing now. Then XXXX placed a fraud alert on my file but then I also went to my XXXX to investigate there and I see the same collection that shouldnt be there also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MOHELA
State: IL

Complaint narrative:
On XXXX received notification that my loans would be placed into forbearance. In addition, was notified that interest would continue to accrue while in forbearance. I did not request that my loan change states and did not have any option to easily re-instate payment as I had been paying the month prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation