vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
I am writing to address several violations of my rights and privacy by various organizations. 

1. **Department of EducationXXXX  XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the Department of Education/XXXX has violated my rights by contravening the Educational and Privacy Act. This act states that my school should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

XXXX. XXXX XXXX XXXX is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, is reporting a charge-off. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

XXXX XXXX Transunion is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. Transunion and XXXXXXXX XXXX failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds XXXX accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to address several violations of my rights and privacy by various organizations. 

1. **Department of EducationXXXX XXXX According to 20 USC 1232g, 34 CFR 99, and 5 USC 522a, the Department of Education/XXXX  has violated my rights by contravening the Educational and Privacy Act. This act states that XXXX XXXX should not provide transactional history to any third-party companies. I am opting out of any previous authorizations I may have granted, including verbal, written, or otherwise, per 15 USC 6802. 

2. **Equifax** XXXX Equifax is reporting a non-mailable address associated with me. I would like to understand where they obtained this address from as it seems to be a violation of my rights under the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, is reporting a charge-off. This status suggests that the debt is now considered a certificate of indebtedness and therefore counted as income, which should not appear on my report according to IRS guidelines. 

Additionally, the above violations may contravene the following regulations : - 16 CFR 313 - 16 CFR 433.2 - 16 CFR 433.3 - 17 CFR 424 Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR 1022.8 mandates procedures to maintain the accuracy and integrity of information, while 12 CFR 1022.6 outlines the requirements for disclosures to consumers in the event of an adverse action. 

Equifax XXXX XXXX is reporting different information compared to XXXX, resulting in discrepancies across my credit reports. This inconsistency is impacting my creditworthiness and financial reputation. XXXX and Equifax 's failure to align with XXXX reporting is a clear violation of the FCRA and associated regulations. 

I request that the CFPB investigates this matter and holds Equifax accountable for their non-compliance. Thank you for your attention to this issue. 

I request immediate rectification of these issues and a response explaining your actions and how you plan to address these concerns. Thank you for your attention to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited a check to my credit union on XX/XX/24. The check was written out to me in the amount of XXXX from my attorney office XXXX XXXX XXXX on the check it has Wells Fargo logo. My bank states there is still a hold due to Wells Fargo not verifying funds yet. I am needing my money ASAP due to an emergency that has come up.

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 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I attended XXXX XXXX and graduated in XXXX. ( Later changed to XXXX XXXX ) Upon enrolling and during attendance to the school, I took out both Federal and Private loans to pay for the program. It later came to light that this school, along with lots of other schools engaged in misleading and pressuring students to enroll in their programs. In XXXX, I applied to Borrower Defense Program with the US Department of Education. XX/XX/XXXX, I was advised that my applications was part of a class action lawsuit- XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. ). XX/XX/XXXX, I was advised that my application for borrower defense was ineligible. XX/XX/XXXX, I was advised of a proposed settlement in connection with the XXXXXXXX XXXX XXXX lawsuit. XX/XX/XXXX, I was advised that my school was named in the lawsuit. The settlement terms were as follows : " If your borrower defense application related to federal student loans borrowed to pay for attendance at a school on the list attached to this letter, you will receive a discharge of federal loans associated with that school and a refund of any amounts paid to the Department on those federal loans, and the credit tradeline for those loans will be deleted from your credit report. Within 90 days of the date that the court 's approval of the settlement agreement becomes final, the Department will notify you that you will receive this relief. You will receive the relief within one year of the final effective date of the settlement agreement. Until this relief is provided, the Department will not take action to collect your debt. '' Since the school I attended engaged in these tactics, I believe my Navient loans should be discharged as well. 

I have diligently paid several thousands to Navient for a school loan that I was misled and pressured into taking out. I've carried this burden for far too long and would like relief from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to you regarding a dispute I have with Capital One Bank regarding my XXXX XXXX credit card. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, I have been experiencing interest charges on my Capital One XXXX XXXXXXXX credit card account, despite making payments of the current balance or the statement balance. I have attempted to resolve this issue by contacting Capital One directly, but I have not received a coherent response or a satisfactory explanation regarding the cause of these charges ( {$11.00}, {$30.00} and {$43.00} ). Attached to this letter, you will find documentation supporting my case, including copies of my statements reflecting the payments made. 

I request your intervention to investigate this matter and assist me in resolving it fairly and appropriately. My goal is to understand the situation and, if necessary, obtain a refund of the incorrectly applied interest charges to my account. Additionally, I want to ensure that this issue does not recur in the future. 

I appreciate your attention to this matter and look forward to a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX  Debit is fraud not me

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 2024-04-12 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'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I have Tried To Call Vanilla Gift Cards All they do is Ask For Questions I don't Feel Comfortable answering For A Gift Card. For XXXX Dollars I have spent 5+ hrs trying to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: VA

Complaint narrative:
I have been in the dispute process with XXXX XXXX XXXX XXXX Experian Credit Reporting for months. Initially I began my disputes with detailed letters explaining several FCRA violations that XXXX is in violation of and how the most important one according to " CFR PART 1022 ( REGULATION V ) ''. In addition to several other FCRA law violations that XXXX XXXX XXXX is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor XXXX XXXX XXXX. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, XXXX XXXX XXXX wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with Experian directly. Since XXXX of XXXX until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/2024 I called Experian directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has thirty days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an Experian XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed Experian does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. XXXX XXXX XXXX is creating deceptive contracts and violating FCRA and consumer privacy laws as is Experian Credit Reporting.

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 2024-04-12 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: MO

Complaint narrative:
I am not the creator of these inquiries, and I am not connected to any of the creditors listed. I need their removal from my credit report immediately as they are affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
In XX/XX/XXXX, I discovered a significant increase in my hazard insurance premium during an audit notification. PHH Mortgage, responsible for handling my insurance payments from escrow, claimed to have adjusted the premium and confirmed the insurance was active via their portal, mycoverageinfo.com. Trusting their information, I believed my insurance was in good standing. 

However, in XX/XX/XXXX, I noticed a puzzling refund of {$260.00} from PHH to my escrow account, which was unusual because the insurance portal still displayed my policy as active. No explanation for this refund was provided by PHH, raising my suspicions about the actual status of my insurance coverage. 

Seeking clarity, in XX/XX/XXXX, as my policy neared renewal and prompted by discussions with a contractor about potential roofing work, I checked my policy details. This led me to directly contact XXXX XXXX, only to discover from them that the supposed premium payment had never been received, and my policy had been canceled for over XXXX months. 

Realizing the gravity of the situation and its potential impact on my property 's insurance classification, I immediately initiated a " cash control escalation '' with XXXX to investigate the missing payments. This process confirmed that XXXX had indeed not received any payment corresponding to the alleged transaction reported by PHH. Consequently, this lapse in payment led to my property being classified as " high risk, '' significantly increasing my insurance costs. 

Faced with no coverage and an imminent need to secure new insurance, I received quotes as high as {$5000.00} due to the high-risk classification. Eventually, I managed to secure coverage for just under {$3000.00} ( please note : the quote on that was for {$3900.00} but after discounts and paying a whole year it dropped it right below XXXX ), which I paid out-of-pocket and retained all relevant receipts and documentation for these transactions. 

The misrepresentation by PHH, their failure to manage my escrow and insurance payments correctly, and the ensuing complications necessitated substantial personal efforts to rectify, including securing new insurance under financial strain. All communications with XXXX regarding these issues highlighted the serious discrepancies between PHHs reports and the actual status of my insurance coverage. 

This entire experience has not only imposed financial burdens but also significant stress, making it evident that PHHs actions were grossly negligent and fraudulently misrepresented, warranting further scrutiny and appropriate action to address these failures.

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 2024-04-12 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: IL

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
Good afternoon. XXXX is giving me a hard time regarding this situation identity theft. Even when I gave all the required documents.I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a third party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.

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 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX : principal balance is {$27000.00}. I made a monthly payment of {$940.00} on XX/XX/XXXX coved the interest {$110.00} for XXXX. 
On XX/XX/XXXX : principal balance is {$27000.00} On XX/XX/XXXX I made a payment of {$27000.00} ( XXXX + XXXX ) {$27000.00} - {$27000.00} = {$32.00} XXXX on the above calculation, I've already paid off my loan and also overpaid {$32.00}. 
However, Mr. Cooper sent me a payoff quote for additional {$110.00}. Deducting the {$25.00} recording fee, I was overcharged for {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MD

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