vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 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: NC

Complaint narrative:
I am on XXXX and switched to the new SAVE plan where my payment will be {$0.00}. Mohela, however, calculated my payment to be {$81.00}. I have called multiple times and they agree that it should be {$0.00}. They have, however, placed me on a processing forbearance for XXXX months to get this corrected. These XXXX months will now not count towards my 120 months because of their incompetence. If they had placed me on an administrative forbearance then the months would count. 
What they are doing over there deserves a federal investigation. I constantly receive correspondence that is backdated by as much as XXXX weeks so they look like they are following the rules. 
At present, I just want my months to count because it is not my fault that they can not calculate a payment.

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 2023-10-08 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: MA

Complaint narrative:
I am writing to bring to your attention a matter concerning the accuracy of my credit report with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received a response from them. I am providing the details of the inaccurate information and the necessary corrections required : The account with XXXX ( Account # : XXXX ), which was opened on XX/XX/XXXX with a balance of {$1000.00}, has never been late. I request that TransUnion correct/update this inaccurate information on my credit report. 


The account with XXXX XXXXXXXX XXXX ( Account # : XXXX ), opened on XX/XX/XXXX, with a high credit of {$21000.00}, has also never been late. Please correct/update this inaccurate information on my credit report. 


An account with the designation " COLLECTION '' ( Account XXXX : XXXX ), opened on XX/XX/XXXX, with a balance of {$210.00} and an original creditor identified as " COLLECTION, '' does not belong to me. I request the immediate removal of this account from my credit report. 


Another account with the designation " COLLECTION '' ( Account # : XXXX ), opened on XX/XX/XXXX, with a balance of {$960.00} and an original creditor identified as " COLLECTION, '' is also not mine. I kindly request the removal of 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 2023-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MA

Complaint narrative:
USBank is my mortgage holder. for the past XXXX  months they have been mishandling my mortgage payments. on or about XX/XX/XXXX i received my annual escrow analysis. as I did XXXX XXXX every month I make my payment early and overpay {$200.00} to princile and direct {$30.00} XXXX to escrow. i submit a monthly check with USBANKS. payment stub. On that payment stub i directed the additional payment goes as directed. In 24 months USBank only directed the addition escrow one time XX/XX/XXXX. XX/XX/XXXX i spoke with them and they said they would rectify the problem. They did not. I have spoken with USBANK several times. they claim i have a shortage of {$1500.00}. i explained that that is ridiculous i overpay and i spoke with my city about the taxes and my isurance Co. both told me USBANKS # s are flawed and way off. I explained on advice from the city of XXXX and my insurance agency i will pay taxes and insurance directly. since they are mishandling my funds. They were rude at me. told me the way they applied the funds was better for me. told me to write a letter if i wanted to " escalate ''. my claims. So, I did and have not heard back from them. thank you.

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 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Don't remember using optimum ( ( XXXX XXXX XXXX XXXX and never was contacted my car got broken into before and my is and social was stolen

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 2023-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX XXXX XXXX was charged for about $ XXXX some transactions I didnt made or authorize. I filed a claim and it was denied with no reason. I told the bank of america i was on XXXX XXXX at the tine those transactions where made but that wasnt enough to prove it wasn't me who did the transactions.

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Re Costco Citi Visa : On XX/XX/23 I accidently missed XXXX on a XXXX XXXX statement balance. ( I paid XXXX of the balance ). 

On XX/XX/23 I realized the error when my XXXX statement showed an interest fee of XXXX. 
I called Citi and the rep said due to my exceptional payment history, he would credit back the XXXX. I immediately paid the overdue XXXX as well as the current charges on the XXXX statement. 

On XX/XX/23, I noticed on my XXXX statement that all of the above listed payments were accounted for and paid on time. Yet now I am charged another XXXX interest charge. 
I called Citi and talked to a rep and the supervisor. They both said that I would always be charged 2 months interest on a missed payment due to " residual interest '' and that their computers will not let them do anything about it because I already had the XXXX waived. This is regardless that I had made all payments on time. 

So in summary, Citi is charging me XXXX interest on a XXXX delinquent payment that was supposedly removed a month earlier. This sounds illegal to me, or at least it should be.

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 monetary relief
Consumer complaint received 2023-10-08 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: KY

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. As of this date, they have not responded. I am writing to provide the details of the inaccurate information and request the necessary corrections : The following account is not mine : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD BANK / TARGET CARD HAS FALSELY CLAIMED MY BANK ACCOUNTS DO NOT HAVE ENOUGH FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: CT

Complaint narrative:
I am writing to formally dispute inaccurate information on my Equifax credit report, which I initially contacted Equifax about on XX/XX/XXXX. To date, I have not received a response from Equifax. I am seeking correction of the following inaccuracies and necessary corrections : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} ) : This account has never been late. Please rectify this incorrect information on my credit report. 


XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : This account has never been late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} ) : This account is not mine. Kindly remove it from my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$400.00} ) : This account is not mine. Please remove it from my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$800.00} ) : The information on this account needs review. I recall the original creditor as XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX. The reported balance of {$800.00} is higher than I remember. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$5600.00} ) : The information on this account is imprecise. I only recognize the original creditor as 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; the collection agency reported is unknown to me. I do not agree with the Balance of {$5600.00}, as it exceeds my recollection. Consequently, I dispute the entire account and request verification of Date Opened, Date of First Delinquency, Date of Status, and First Reported. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) : Due to incorrectly reported data, I request verification of the XXXX XXXX account. I am uncertain about the accuracy of the {$1700.00} balance, as I do not recall owing such a high amount. Your agency reported this account as closed and charged-off, so the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed to prevent further negative impacts on my credit score. Additionally, I request verification of Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: TX

Complaint narrative:
First issue is that my loans were placed into forbearance without any explanation. I received an email/app statement on XX/XX/XXXX with a due date of XX/XX/XXXX. My loans have been in repayment status since early XXXX. I checked my account as of XX/XX/XXXX and my account was still in repayment status. I then checked the app on XX/XX/XXXX to confirm that my auto debit was set up properly but my repayment status was now showing as in forbearance and I no longer have a due date or payment amount. As someone working in public service and taking part in the XXXX program, I do not want to be in forbearance. I received no notification from MOHELA as to why my loans were moved from repayment status to forbearance and I never requested this. 

Second issue is that my Statement for XXXX was provided by email/app messages on XX/XX/XXXX but MOHELA backdated XXXX to XX/XX/XXXX on the statement itself, not sure why but seems like shady practices to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which was reported by Experian. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. However, as of the current date, I have not received any response from Experian regarding this matter. Below are the details of the inaccuracies and the required corrections : The following account was never late : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Account Name : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Original Creditor : COLLECTION Please remove it 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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
i have been sent to 3-4 collection agencies by XXXX XXXX XXXX  and my perfect credit is now i in the XXXX range. 
XXXX XXXX XXXX is a new jersey power company. 
i have never lived in new jersey or have ever heard of this company. 
after resolving this with police reports and correspondence with banks, credit bureaus, and multiple collection agencies i have now been contacted by another collection agency over the same debt. 
i am unable to obtain credit and have no time to continue defending myself with no hope of resolution. i need relief.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I received my credit report and I have found unauthorized credit inquiries listed that are not related to any transactions by me. XXXX XXXX XXXX XX/XX/2022 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 2023-10-08 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: FREEDOM FINANCIAL NETWORK
State: SC

Complaint narrative:
I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I have three unauthorized hard inquiries on my credit report, and after months of trying to ask XXXX and XXXX to investigate them, they won't take any action. I sent nine letters and seven phone calls to dispute these hard inquiries with no luck to investigate/remove them from my credit report. I never authorized these inquiries. I have no idea what type or kind of loan they are or banks. Never applied and never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was in a car accident, because of my injuries I was out of work for 5 months without pay and my account was closed without my knowledge!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: MO

Complaint narrative:
I took out personal loan from LP on XXXXXXXX XXXX XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
LP still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with XXXX and XXXX XXXX, but LP still reports wrong amount and late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 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: NJ

Complaint narrative:
On XXXX I sent a dispute that several items on my Transunion credit report were incorrect concerning XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX and Transunion 's response, the identical form letter occur the month prior when I tried to tell them they were reporting incorrect information against federal law, was to say they don't think I sent the letter. I guess having all the information regarding my accounts and my signature and address is not enough for them to act properly, so instead of researching the disputed matter like they are supposed to do, Transunion simply made believe I never sent the letter disputing the errors and they do nothing to protect the rights I am entitled to.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed 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