vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Overdraft Fees and Locked Card Policy by Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding a policy that allows payments to be posted even when a debit card is locked, resulting in overdraft fees. This practice has affected not only my accounts but, as I understand, has also been a significant issue for minority business owners disproportionately impacted by such fees. 
Account Details : Bank Name : Bank of America Account Number : [ Your Account Number ] ( Please omit or redact for security ) Incident Dates : [ Specific dates of the incidents ] Description of the Issue : On several occasions, despite having my debit card locked ( a feature offered by the bank for security purposes ), transactions were allowed to be processed, leading to my account being overdrawn. These instances resulted in overdraft fees being charged to my account despite my preventive measures to lock the card and avoid such situations. This indicates a systemic issue within Bank of America 's transaction processing and account management policies. 
I have attempted to resolve this matter directly with Bank of America through their customer service department. However, the responses could have been better, with no proper explanation or rectification of the charges provided. The persistence of this issue, alongside the historical context of Bank of America 's handling of overdraft fees, especially concerning minority business owners, raises serious concerns about the fairness and integrity of the bank 's practices. 
Request for Investigation : I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter, focusing on my accounts and similar accounts that may have been adversely affected by Bank of America 's policies regarding locked cards and overdraft fees. It is crucial to ascertain the extent of this issue and ensure appropriate corrective measures are taken to prevent future occurrences. Moreover, investigating whether these practices disproportionately affect minority business owners would be critical in safeguarding the rights and interests of vulnerable customer segments. 
I am willing to provide further details and documentation as required to support this complaint. I look forward to your prompt response and action on this matter. 
Thank you for your attention to this issue and ongoing efforts to protect consumers.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2024-02-20 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
At the end of XX/XX/XXXX I requested that my payments made during the pandemic be refunded to me. I was told that my request was being processed. On the phone I requested the full amount of {$2000.00} and was told that they would submit the request and the department of the treasury would send a check. In XX/XX/XXXX, I received a check for {$370.00}. I am still missing {$1600.00}. In XXXX my loan servicer was changed to Mohela due to my eligibility for the public service loan agreement. After not seeing my missing money for months I contacted XXXX last week and they told me that a request was not made and that I have to go through with this process all over again with Mohela. When I contacted Mohela, they told me they couldnt look at my loan requests and that I had to contact XXXX.In XXXX, XXXX I recieved a second check. This time it waw from Mohela for {$370.00}. After calling them for months, I was finally told that I couldnt receive the remaining funds because I paid off a loan. In XX/XX/XXXX, I contacted XXXX and in XXXX they told me that Mohela gave me wrong info and that I in fact would receive the remainder of that balance as a check. Unfortunately I was also told they couldnt give me an estimate of when so I am very much in the dark on this process and need help. It has been a year and a half since my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have been slowly building my credit score using credit cards and. Discover, one month before they were suppose release my security deposit they close my account, give me no reason, refuse to send out reason, and all I get is it was just business. I am very upset that this would happen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am being overcharged on daily interest. Aidvantage takes 5 days to process a payment. In those 5 days I am still getting charged interest daily. Also, I am being overcharged interest on balances that have decreased by over {$7000.00} but the daily interest charge is the same regardless of the balance. I have tracked my daily balance since XX/XX/2023. One of my loan balances started at {$20000.00} with interest rate of 7.25 %. Since XX/XX/2023, the daily interest charge is {$2.00} on that one specific loan. The balance on that same loan is currently {$13000.00} and still gets charged {$2.00} every day. How is that possible to be charged the same amount every day when the balance has decreased by over {$7000.00}. I have XXXX loans so this is happening on each of the loans despite the balance decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL

Complaint narrative:
I have filed multiple complaints with student aid. Gov. Talked to the servicer ( ECSI ) and the school ( XXXX ). I have now been paying on a loan for two over two years and no payments have reported to my credit report. I didnt notice until about a year later and Ive been dealing with this ever since then. it took me months to even get the serviced to look at the issue because they thought I was wrong and to get the school to and then when they did they research they found out that I was right they said that the issue would be fixed by now and that all missing payments, and the loan would be applied to my credit report, but that has not been done yet, which they guarantee that it would be. I have talked with multiple people at the school I have filed a complaint with thestudentaid gov website and there is still no solution to the problem at all I am still paying on a loan that has not reported to my credit not one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXXXXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Nelnet, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education XXXX Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services. 
Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by Federal Student Loans.

Ensure any inaccuracies in writing late payments on my account are corrected promptly.

Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report. 
I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MS

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MS

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-02-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unjustified that I've always paid this account on time without any delays. Please ensure my account reflects this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a letter from Jeferson Capital alleging that they are trying to collect a debt of {$610.00} owed by me. After doing my own research I could not find anything as to why I would owe the debt and as such I sent a request to Jefferson Capital asking that they verify the alleged debt and why they think I owed the debt. The letter delivered to the address noted on the initial email sent to me ( see attached docs ). They fail to respond or verify that this debt belongs to me. By law the debt collector must pause collecting the amount of the debt I am disputing until theyve adequately responded to my request. Which as of XX/XX/ has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: FL

Complaint narrative:
My loans were approved for waiver by the Borrowers Defense to Repayment program under the department of education, but the lender has not waived the loans because they are consolidated. 

This is a violation of a prior CFPB order and stipulation agreement of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
A representative from National credit systems, XXXX XXXX contacted my husband regarding a rental debt dating from XXXX  at the XXXXXXXX XXXX XXXX XXXX. I tried to speak with this representative as his spouse, and the rep advised me she could not speak with me as this debt was only under XXXX XXXX, ( my husband ). She was very rude, disrespectful, talking over my husband etc but would not send any info validating the debt stating that the collections letter was sent to an address in which we did not live. We asked the rep to validate this info. She provided a website from her company where we can dispute the info and the info would be investigated. We sent the dispute info to the website provided but we never heard back from this agency, and saw that two weeks later this debt was placed under my husbands credit report. 
This same representative called again after the debt was on the credit to now speak with me and I asked her again to validate the debt. She offered a settlement amount but could not send me anything in writing to confirm the amount and the agreement. I asked her again to send this info to our current address so that we could review the debt and the settlement offer and the rep denied stating that she had this debt put on our credit and it would stay there until we pay her. 
If a letter of an agreement cant be sent to our mailing address, how do we know its real? and this offer sounds like extortion since she wants us to send her money with nothing in writing, no paperwork to validate if we truly owe this amount and no letter to confirm the settlement agreement. 
Today i received notice that this debt has been placed under my credit report as well. How is this possible when the rep advised me that this account was solely under XXXX XXXX?

Company response to consumer: Closed with explanation