vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Tuesday XX/XX/XXXX I called back in and spoke to someone named XXXX who said it was approved for an extension for XX/XX/XXXX to XX/XX/XXXX, but the call dropped. 

I then called back again for a 3rd time and spoke to a XXXX XXXX for an update to the status of my foreberance and according to XXXX XXXX the only foreberance on file is the one from XX/XX/XXXX thru XX/XX/XXXX. 

I asked for a supervisor and he said he could send a message or transfer me to leave a voicemail. XXXX transferred the recording said the person you are trying to reach does not have voicemail please reach out by email, but no email address was provided. 

What kind of madness is this? 

I called back in for a 4th time and spoke to someone named XXXX XXXX who stated there was an active payment plan in place which is contrary to what XXXX XXXX stated. 

As a customer having been told so many different updates I have no idea what the status of the request to extend the foreberance is and apparently neither do the representatives at Bank of America.

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 2024-01-02 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: DC

Complaint narrative:
On XX/XX/XXXX, I applied for the SAVE student loan repayment plan. 

On XX/XX/XXXX, I received a notification that I was approved for the SAVE plan, and repayment would begin in XX/XX/XXXX. My loans are currently in forbearance and I have contacted MOHELA at least twice to request they remove the forbearance so I can pay immediately. Because of the amount of loans I have, the interest that accumulates daily is significant. 

Since XX/XX/XXXX, MOHELA has failed to remove my loans from forbearance or allowed me to begin to repay my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Company retrieved funds ( debt ) through my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

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 the attached documents and letter for the referenced issues from above.

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 2024-01-02 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: NY

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 the attached documents and letter for the referenced issues from above.

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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was getting ready to use my credit card to make a purchase on XX/XX/XXXX, so I logged into my app to see what was available and come to find out that my account was closed. I started a chat with the company, and I asked the representative why my account is closed when it's not even past due. The response that I received was " After reviewing your account I see that this account was closed as per the terms that are applicable for all customer in compliance with all credit card laws. It was closed on XX/XX/XXXX based on an update from the Credit Bureau XXXX. I see that this decision was taken by the management based on an update from the Credit Bureau, XXXX regarding your credit scores and credit ratings and your performance not only with Synchrony, also all your other open lines of credit. Once the account is closed, it can not be reinstated. All of my Synchrony accounts have been closed down by this company, which not only will put all of my accounts in collections, but it will also destroy my credit score, making it impossible for me to establish new credit with any company in the future. After researching this online I found that I am not the only person that this is happening to, and this company needs to be held accountable.

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 2024-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
Company retrieved funds ( debt ) through my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express offered me a new card, a XXXX credit line, and no interest for 18 months. I accepted. Charged XXXX to the card. Am Ex immediately canceled the card, requested payment in full, and locked my other two AmEx cards until I paid the balance, which has nothing to do with my other cards ... .... After paying off the XXXX, which was demanded immediately, unlike the original offer, they increased my available credit on another card I have with 20 % + interest. 

Bait and switch at its finest. Offer credit, take it away, require immediate payment and then offer credit at 20 % +. 

This has got to be an absolute dishonest practices at best, illegal according to the Attorney I have contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
15 U.S. code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINTS TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-01-02 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:
Back on XXXX XXXX I file a complaint with the CFPBIn response to my complaint, on XX/XX/XXXX, in response to the complaint I received the following response ( XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Company Name XXXX XXXX CO THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ) CFPB Complaint is ( Attached ). 
Please delete credit XXXX account as this account has been report inaccuracies XXXX lates after CLOSED account/COLLECTION status for 2 yrs. starting XX/XX/XXXX, additional, this car loan was a 48-month contract term that expired XX/XX/XXXX ( copy of contract attached ) after which is reporting active XXXX lates even after the term of the contract ( from XX/XX/XXXX to XX/XX/XXXX ). 
On ( XX/XX/XXXX ), CFPB ordered resolution for the account was deletion from my credit file which has yet to happen ( SEE ATTACHMENT )

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 2024-01-02 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-02 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Has had scheduled payments not processed by creditor, resulting in credit file reflecting late on payments. Payments have been made and account is satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self Financial Inc- This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
Addresses that doesn't belong to my personal profile XXXX XXXX XXXX. # XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Florida XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX listed names that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
We mailed in a payoff check on XX/XX/. The company SAFCO still has not received it allegedly but keeps saying it's probably delayed but are you going to make another payment? They keep stating you should just cancel the check and I replied no, why would I do that. This led me to believe something was not right. The reps say there is no way for me to contact accounting myself and they just sent them an email because it should be there if I sent it on the 22nd. It seems they allegedly did not receive it so they can continue to get interest payments. It has now been eleven days and still no payoff applied. I had to make an extra payment on the car Friday so it more money for interest with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2024-01-02 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: Freedom Mortgage Company
State: CO

Complaint narrative:
I've been attempting to get my XXXX  owners insurance issues with the escrow fixed since XXXX when I bundled it with my XXXX  insurance. I paid the home owners in full for a year but they're still tacking it on my XXXX XXXX XXXX after I've asked repeatedly to get it removed from my payment. It makes it harder to change company 's as rates change. I've been told I'll get a follow-up with the escrow department for months now and have yet to hear back or get the letter in the mail they claim to be sending. I've also made payments and it states I haven't but they have my money. I've not been happy with Freedom Mortgage since our loan was bought and have no recourse. I've gotten feedback I need to do everything through their secured messages on their app when it decides to load. And if I attempt to attach files, it starts over. I am fed up at this point waiting and now it's going to affect my XXXXXXXX XXXX  payments which is making it harder on my budget.

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 2024-01-02 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: Nelnet, Inc.
State: TN

Complaint narrative:
My Student loan account is on a forbearance, no payment is due while the account is being consolidated. My account is showing a past due amount due for the months of XXXX and XX/XX/XXXX. Please remove the negative credit rating from those two months. No payment is due on this account until XXXX XXXX. 

My account has never been late, I have never not paid. The account is on a forbearance please correct my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Please, see details and exhibits on the my own site XXXX XXXX XXXX XXXXXXXX This is report : I have been a loyal GM Mastercard user for ~20 years. During this period, several banks was card providers, and currently this is Marcus from Goldman Sachs. On XX/XX/XXXX, I received a promo-offer from Marcus - spend {$200.00} on restaurants and other activities during XXXX and receive a {$50.00} reward, see screenshot of the offer. 

Believing the promises, I took advantage of the offer and made several purchases at restaurants in the amount of {$200.00} during XX/XX/XXXX. Look at the transaction history screenshot from Marcus. You see several restaurant purchases, and ( oh surprise ) - the last purchase for {$50.00} is marked as made on XX/XX/XXXX! 

Although the scan of the cash receipt from XXXX clearly shows that the purchase was made on XX/XX/XXXX. Thus, we see that Marcus decided to cheat and avoid paying {$50.00} by falsifying the date of the last transaction, changing it from XX/XX/XXXX to XX/XX/XXXX, and thereby avoiding payment. 

I contacted the support chat, but the GS representative XXXX refused to adjust the date of the transaction, or credit the account for {$50.00} to compensate for the lost money, see the copy of the chat. Thus, there is an attempt by GS to evade fulfillment of the promise, as well as a refusal to correct the " error '' in the process of direct negotiations. 

I am contacting you with the purpose of : Make GS admit its " error '', and still credit the promised {$50.00}, the conditions for receiving which were fulfilled by me. 
Due to the fact that GS has shown itself to be an unscrupulous financial institution with whom it is dangerous to do business, I want to terminate relations with it. Therefore, I ask you to force GS to pay me the accumulated rewards, ( as of XX/XX/XXXX - {$2600.00} ), by sending a check to my address, then I am planning to close the card, and stop relationship with GS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with Experian, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that Experian takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Has had scheduled payments not processed by creditor, resulting in credit file reflecting late on payments. Payments have been made and account is satisfied.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Has had scheduled payments not processed by creditor, resulting in credit file reflecting late on payments. Payments have been made and account is satisfied.

Company response to consumer: Closed with explanation