vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-30 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: Klarna AB
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding an unresolved issue with Klarna and XXXX. In XX/XX/year>, I placed an order on XXXX using a prepaid credit card issued by Klarna for the transaction. Unfortunately, I never received the ordered item. XXXX has acknowledged that the order did not arrive but informed me that the order is outside their refund window and advised me to contact my credit card issuer, Klarna. 

However, Klarna has refused to dispute the charge, citing XXXX 's refund policy. I have explained to Klarna that XXXX 's policy should not be relevant in this case, as this is a matter of a charge on my credit card for a product that was never delivered. Despite my explanation, Klarna remains uncooperative, leaving me without the product or a refund. 

I request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: GA

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I am the XXXX for my sister 's XXXX. I sold her property on XX/XX/XXXX. The mortgage company cashed my check on XX/XX/XXXX. My lawyer paid the amount provided by the mortgage company. After the fact, the company added fees. It did not and to this day, has not contacted my lawyer to alert them to this. I tried for XXXX months to get permission to discuss this loan. I sent paperwork XXXX times, including the will, XXXX XXXX, my fiduciary certificate and admittance to probate. Every tine I tried to talk to them they said I didn't qualify, and I sent the same paperwork again. Finally, on XX/XX/XXXX, an agent put me on the account. She said she used a lifeline like on who wants to be a millionaire. I did not provide any additional paperwork for her to do this, which means they had the proper paperwork the entire time and did not add me. It was not until this time, XXXX months after I sent the correct payoff, and they cashed it, that I was informed that IT was not enough. They told me I now owed over XXXX dollars in interest and fees, even though this was all their fault. I sent in XXXX on XX/XX/XXXX and the loan was finally paid off. It was paid off effective XX/XX/XXXX and I still have not received a payoff statement, a payoff letter, an escrow statement or a check for escrow overage. I have disputed the amount charged for extra interest and legal fees and have not heard back. Please find attached all of my paperwork supporting my claim. I have tried to call them numerous times in the last month, and they only have an automated system with no option of speaking to a live person. They cut me off. This is the worst company I have ever dealt with and what they are doing is illegal and unethical. Please help me obtain my refunds. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> my husband made an echeck deposit for {$4000.00}. We then got an alert saying this check would not be available until XXXX. According to RegCC and the standard check hold policy, {$220.00} should have been made available the next business day and the remaining balance up to {$5000.00} available the business day after. The reason provided was Reason to cause doubt if collectibility. This was odd because the check was not post dated or stale dated, we have never deposited a check that has been returned in The past or repeatedly overdrawn our account. In no way do we fit the criteria for being subject to the extended hold policy. I called to speak to someone about this, and after being on hold for XXXX minutes I finally spoke to a representative who repeatedly attempted to lie to me saying some checks just take longer to verify. First, that is a lie, second, regardless of verification I should not be subject to an extended hold. She would not let me speak to someone else. And she ultimately got off the call by transferring me to someone who could tell me why I was on extended hold that was ultimately an automated system for check verification. Bank of America can not arbitrarily place holds. And on what bases was this decision made?

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 2024-05-30 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, I contacted an associate at Upstart XXXX regarding a late payment that was reported 45 days late. The associate assured me that if I paid the outstanding amount of {$23.00} immediately, the late payment would be removed from my credit history. Following this advice, I paid the bill on the same day. 

However, on XX/XX/XXXX, the late payment was still reported as 45 days late on my credit report. When I reached out to Upstart again to address this issue, I requested to speak with a supervisor. The supervisor incorrectly claimed that I had placed a " do not contact '' instruction on my email address, which I had not. Furthermore, I did not receive any letters, emails, or phone calls informing me that this late payment would be reported to the credit agencies. 

I have been consistently paying this loan for the past two years. Due to Upstart 's internal errors and a mere {$23.00} late payment, my credit score has dropped by XXXX XXXX. This has caused significant financial distress and is unacceptable. 

I urge Upstart XXXX to correct this erroneous late payment report and restore my credit score to its previous level. Their misleading practices and failure to communicate properly have resulted in unjust harm to my credit rating. 

Loan Summary : Loan Amount : {$1000.00} Outstanding Principal : {$590.00} Unpaid Accrued Interest : {$0.00} Loan Number : XXXX Interest Rate : 15.35 % Origination Date : XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, CXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-30 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:
I NOTICED FRAUDULENT ACTIVITY ON MY CREDIT REPORTS. I REQUESTED DOCUMENTATION FROM EACH CREDITOR SHOWING PROOF THAT I MYSELF THAT THESE FRAUDULENT ACCOUNTS BELONG TO ME. EACH CREDITOR HAVE FAILED TO DO SO. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On this date company opened a collection. 
XXXX XXXX Midland credit management Account # XXXX {$3800.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
the company is reporting wrong information even when i sent to them my supporting documents like social and drivers license they does not care my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Nelnet, Inc.
State: TX

Complaint narrative:
-My student loan payments were coming due on XX/XX/XXXX -I am still in school, and should have in school deferment for all of my loans until Summer of 2025 -I called my school on XX/XX/XXXX and confirmed that they had sent all of the appropriate documentation early to mid-XXXX -I called Nelnet on XX/XX/XXXX and confirmed that they had received the documentation, and it was processing. I was assured it would be taken care of before the payment was due. I have had issues with Nelnet specifically failing to process my in-school deferment in a timely manner, so I asked the rep to put in a note to ensure the deferment would be applied appropriately, and he assured me that he did. 
-I sent an email to Nelnet that same night outlining the steps that had been taken thus far and the same request - to apply the deferment across all student loans -I received an email that my in school deferment was ending soon on XX/XX/XXXX, so I called again. My in school deferment was approved, but had been inappropriately applied- they only applied it to a couple of loans, not all of them. The rep I spoke with said she would send a message to the team that handles this to get it appropriately applied. I sent an email to Nelnet, as well. 
-XXXX XXXX, nothing had been corrected or changed in any way, so I filed a complaint with federal student aid, and was assigned a case number. I outlined everything I have said here. 
XXXX XX/XX/XXXX, federal student aid said my case had been assigned to Nelnet for review, and to allow up to 10 days for a response. I waited, but continued to receive messages from Nelnet about my past due balance -XXXX XXXX, I hadn't heard anything back, so I tried calling, but was immediately told I owed money, I asked to speak to a supervisor, and was transferred to another department ( apparently ), rather than a supervisor. Their internal ombudsman were apparently out for the day, and all anyone else could tell me was that I owed money. 
-XXXX XXXX, I have called Nelnet yet again, seeking resolution. I was told I owed money, and I asked to speak with a supervisor, and was transferred to their internal ombudsman. It is XXXX days since my federal student aid complaint was sent to Nelnet, and several weeks since my first call, and MONTHS since my school sent the appropriate documentation. Yet, the ombudsman representative I spoke with said that my case had not even been assigned to anyone yet. She said she would " send in '' my information, and it had to process, but she would escalate it ( this is what I was told by the representative on XX/XX/XXXX, as well ). Allegedly, I will here back, but in the meanwhile, I am STILL being told I owe money. The ombudsman tried to claim that I changed schools, and I have been attending the same school for XXXX years -May XXXX, filing a complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Ive tried to dispute the debt on the credit bureaus as I have no knowledge of debt. I have sent a letter to the collection agency asking for proof of debt or a contract as I have no knowledge where the debt originated or what they are trying to collect the debt for. As of yesterday my letter was rejected and sent back. I sent the letter inquiring proof to the address listed on my experian account. I am now questioning if the company with this alleged debt is a real one.

Accroding to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This alleged debt is tuning my credit score unfairly may I add because I had zero knowledge of a bill for it to even make it to a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I recently submitted a complaint about the process in which my mortgage modification was denied. The case was closed as a duplicate it is not a duplicate it is a totally different complaint. 

I provided documentation in which several pH mortgage Representatives inform me wrongly. I was advised by administrators customer service reps and the like that my XXXX XXXX XXXX was enforceable and that the second cold borrower signature was not required. 
This information was provided to me over and over and over again which caused the delay in obtaining the second cold signers signature. The second borrower XXXX XXXX XXXX does not live at the residence. She resides in the state of XXXX XXXX and had I been provided with the correct information I would have promptly collected the signature from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make sure that the first loan was approved. 
This negligence on the behalf of PHH Mortgage has put me in a financial Bond and am now facing XXXX because of this negligence. What is the responsibility of the company to the loan holder? This bait and switch where incorrect information was provided should be reprimanded. I am a consumer who knows nothing of the process and procedure of PHH Mortgage and depend on its customer service representatives and other employees to provide me with the correct process and procedure for my specific situation. I feel As though PHH hold a responsibility for this situation and should attempt to rectify it. A company wide XXXX of false information should never be tolerated by CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
The loan has been charged off and sold and traded over the secondary and primary markets. Santander XXXX XXXX XXXX possesses no rights to the vehicle, the vehicle has been paid in full.

Company response to consumer: Closed with explanation