vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I remitted the statement balance on the account on XX/XX/year> in the amount of {$100.00} representing the full balance owed on the Citicard Shell Master Card. On XX/XX/year>, I was notified by the company that the payment had not been received, 30 days after remittance. I then re-issued and mailed a second check for {$190.00} which represented additional and subsequent charges as well as the earlier remitted statement balance of {$100.00}. At that time I requested waiver of the {$29.00} late fee as well as accrued interest which was honored, confirmation received. Citicard services again contacted me subsequently on XX/XX/XXXX via " late notices '' stating that the account was past due and that there was not record of the second remittance for {$190.00} mailed XX/XX/year>, some 9 days earlier. Being annoyed with the now two " missing '' remittances, I sent in the cut up credit card to effectuate closing of the Shell MasterCard account. This account 's history reflects that I have never had issue with or had never been remiss in making timely payment of the entire balance before payment was due. Yesterday, XX/XX/XXXX, I spoke to a XXXX of the Executive response team regarding this matter. She firmly told me that the processing center had NO RECORD of either payment remittance. Yet, at XXXX today XX/XX/XXXX, I received an e mail thanking me for the {$190.00} payment and that it was being processed, now 24 days subsequent to the mailing of the remittance. CitiCard 's processing center is delaying processing of payment remitted and is effectively " losing '' customer remittances. This appears to be an overt effort on their part to generate late fees and interest to inflate revenues in a possibly fraudulent manner. As of yesterday, XX/XX/XXXX, I stopped payment on both remittances allegedly missing and unreceipted and reissued my payment in full, less the stop payment charges assessed by my credit union, {$25.00} per check.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing to inform you that I am a victim of a data breach orfraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on 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 2024-07-10 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: MI

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-07-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
My husband ( XXXX XXXX XXXX and I have been trying to dispute this charge for carpet replacement for over a year ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). We have called and emailed XXXX multiple times regarding this dispute and we have not received any response back. I have attached proof of our correspondence regarding the dispute, pictures on the move-in day ( XX/XX/XXXX ) of the carpet already being stained and had holes in it, and flooring had chips in it ( we noted on the move-in checklist ) so the carpet and flooring was clearly old when we moved in. There was also a leak/flood that happened in XX/XX/XXXX. The flood that went on for weeks ( XXXX XXXX XXXX  ) brown water seeping through the walls and on to furniture and carpet, ruining our furniture. My wife spoke with XXXX XXXX on several occasions during these weeks begging them to cover the exterior wall with a tarp, but they informed us there was nothing they could do until the rain would stop. Because of the flood that damaged our furniture and flooded the carpet, so the carpet needed to be replaced regardless, therefore we are not liable to pay for carpet replacement. 

Despite our efforts, we have not received the necessary paperwork to formally initiate the dispute process. Subsequently, our case was forwarded to Columbia/Genesis . We promptly submitted all required documentation to Genesis to contest the charges. However, it appears that our dispute has not been duly considered, and we are now facing threats of damage to our credit score. 

I have included the emails of our correspondence to XXXX and Columbia/Genesis about disputing the charge, with no response. I have videos as well. However, it is more that 10 MB. Please let me know how I would go about uploading them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX fraudulent transactions that occurred on my Discover savings account XXXX. 

On XX/XX/year> there was a fraudulent internal transfer of XXXX On XX/XX/year> there was a fraudulent internal transfer of XXXX On XX/XX/year> there was a fraudulent internal transfer of XXXX An unknow person by the name of XXXX XXXX XXXX was added to my account without my authorization by means of fraud to facilitate the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 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 am personally submitting this complaint regarding late payment entries on my credit record. Upon review, I discovered these late payment notations, which I dispute. I sent correspondence about this issue over 30 days ago but have received no response, nor has adequate validation been provided as required by law. I request your intervention to resolve this matter promptly.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payment entries on my credit record. Upon examining my file, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I'm requesting your help to address and resolve this situation efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've made numerous attempts to address the fraudulent inquiries on my consumer report without success. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I may need to pursue legal action if this issue isn't properly resolved. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial stability. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this problem and requesting resolution for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : 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 2024-07-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card GS Bank had opened an account under my name I reported/disputed it to XXXX, XXXX XX/XX/year> I received Report # XXXX that the information was verified as accurate. 
I was a victim of data breach at XXXX. They gave us access to XXXX XXXX XXXX. I received an alert from XXXX in regards to the APPLE CARD GS BANK credit card. I then started the process to report the card as a fraudulent dispute with APPLE CARD GS BANK, the XXXX credit bureaus and XXXX. 

Now I need a report from your agency to continue the investigation as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
When this company contacted me, they refused to provide verification of the account. They said they aren't required to provide me with ANY documentation. Also, I have not been to XXXX XXXX XXXX in at least 8 years. The woman that contacted me from Lockhart, Morris, and Mont was rude and refused to provide me with ANY documentation about the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
We have our personal home and attached building that we use for business. 
They only paid the insurance on the personal home part of the home and not the business part. They paid it last year with no problem, but this year they are refusing to pay it and they have been taking out the insurance money monthly we we make our monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-10 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: TN

Complaint narrative:
I requested the purchase agreement from XXXX XXXX, they could not provide it to me through the cfpb portal or via certified mail. I would like XXXX XXXX removed from my credit report as they can not provide a purchase agreement as is required by the federal fair debt collection app.

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 2024-07-10 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was in an accident that wasn't my fault and the judge ruled in my favor, stating that the other company had to cover all the expenses. However, despite it being 3 years and 11 months since the incident, my credit still shows as closed. XXXX, formerly XXXX, is reporting me as late, which is untrue. My insurance immediately covered the issue, and I paid the same month. I don't understand why the accident is affecting my credit, especially when I have full insurance coverage. It doesn't make sense and it's impacting me negatively. 

XXXX Formerly XXXX XXXX XXXX XXXX Phonenix, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: RI

Complaint narrative:
An email sent from Sallie Mae Bank provides evidence that the bank is using the name of the college in the email subject line in order to generate loans. The subject line of the email was " Assumption University 2024 Tuition Information. '' This is a clear violation of Reg. Z section 1026.48 ( a ) that clearly states co-branding is prohibited. If there is an endorsed lender arrangement, there is no statement that the creditors loans are not offered by the educational institution. 

Further, it is a violation of section 316.3 ( a ) of the CAN-SPAM Act. A reasonable recipient would not interpret the subject line to conclude that the email is a commercial advertisement. 

Further in the email, in order to apply for a Sallie Mae loan, it is stated that applicants must, " ... provide an unexpired government-issued photo ID. '' However, according to Reg. B, section 1002.5 ( b ), " A creditor shall not inquire about the race, color, religion, national origin, or sex of an applicant or any other person in connection with a credit transaction [ with limited exceptions ]. '' By requiring a photo ID, the bank is ascertaining the race and/or color and/or sex of all student loan applicants. This practice is openly discriminatory, potentially resulting in numerous fair lending violations. 

Finally, this Sallie Mae Bank email could easily be identified as a XXXX violation. Given the excessively high interest rates offered by Sallie Mae Bank in comparison to other student loan lenders, applicants are lured into applying with Sallie Mae Bank by using the school 's name in their marketing. The " Sallie Mae '' name alone mistakenly leads applicants into believing it is a government student loan with government benefits. 

As a private loan lender, Sallie Mae Bank should be cited for gross violations like this sent to people that applied for a scholarship on their website. This lure of uninformed consumers to their website for loans that they believe are endorsed by the school is a blatant violation of what Reg. Z, CAN-SPAM, Reg. B, and XXXX are all trying to prevent. 

I urge you to take action regarding this injustice. 

Concerned college parent, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
I recently disputed an account on my consumer report for having an incorrect balance with the account number XXXX it is a charge off and the balance keeps increasing. the account was charged off for XXXX and now the balance is reporting as 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 2024-07-10 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 am formally requesting the deletion of these charge-offs from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) ( a ) ( i ) of the FCRA. 


XXXX XXXX  XXXX This section states that when a debt is charged off, that means the creditor wrote it off on their taxes and received a profit It's illegal if the creditor didn't send a XXXX because charge offs are considered income by the IRS. The IRS considers a charge-off to be income, and it may be taxable. A charge-off is when a lender writes off an account as a loss because it's become too delinquent. The lender may forgive or cancel the debt for less than its full amount, which the IRS treats as income for tax purposes. The lender may send the borrower a Form 1099-C, " Cancellation of Debt " which the borrower must report as taxable income on their tax return. Income can not be reported on a credit report. Furthermore, I would like to emphasize that the presence of inaccurate or outdated charge-offs on my credit report is in violation of the FCRA, which mandates accurate and fair reporting of consumer credit information. 

I kindly request that you conduct a thorough investigation into this matter and delete the charge-offs from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report. Please provide written confirmation once the charge-offs have been removed from my credit report, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation