vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This letter is to inform you of deceptive business practices and the lack of disclosure of Capital One credit card services. 
In XXXX of XXXX my daughter had been involved in a horrific car accident and my life fell into a spiral. At that time, I fell behind in my credit card payments. 
In XXXX of XXXX, I began catching up with my life and I entered a payment plan with Capital One to catch up my credit card payments. I was to pay {$100.00} to get my account back into good standings. I made the first payment XXXX XXXX XXXX 
When I made the second payment in XX/XX/XXXX, I contacted card holder services to ask why my card was not working still and I was informed that when I made the third consecutive payments my card would be unrestricted and if I needed to make my payments on the XXXX of the month as well as I had never received any disclosures or information on the plan I entered into on XX/XX/XXXX. I was informed that all I needed to make was the {$100.00} payment on the payment plan. I was never advised that the payments I was making would not go towards the three consecutive payments. 
I was informed today when I called in XXXX that I was enrolled in another plan to take off the restrictions to my account and that the disclosures were read to me. This may be true that the disclosure was read to me, BUT I was NOT advised this was a different plan to take off the restrictions. I was advised that once I completed my monthly payment plan, I would be unrestricted as my account would be current. How was I to know there were two different plans I was enrolled in when I was never provided disclosures? I was not provided by email, in my online account, or via USPS. 
I paid both my second and third payment and to my dismay my card is still restricted. I made a call to Capital One this morning and was advised that I needed to make three ADDITIONAL consecutive payments to get my card to an unrestricted. Again, how am I to know there are two different plans I was enrolled in if I had not been provided any disclosures. 
Not only is my card still restricted, but they have not been applying my payments to my monthly payments and have been reporting me to the collection bureaus as late. This is unacceptable since I was informed that the payments I was making would go towards my monthly payments. This needs to be addressed as well. 
I feel the lack of training of the customer service agents and a defective system for providing disclosures have compounded these issues. Disclosures are absolutely necessary in any financial transaction, including credit card transactions. I would appreciate if you could kindly investigate these issues so that no other consumer has to spend several hours banging their heads against the wall trying to figure out what is going on and having their credit damaged because the customer service agent is ill informed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I submit a dispute with Nelnet due to a 120 day delinquency that I wanted to be redacted due to the circumstances and the late payments falling within the federal mandate due to Covid and the hardship it caused for everyone. I have disputed this twice with Nelnet and each time they ignore the circumstances and treat it as if Im disputing the accuracy of it ; which I was not. 

Back in XXXX I placed my student loans in forbearance due to hardship. I didnt realize they went back into repayment so the account became delinquent XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I noticed when it hit my credit report, dropping my score XXXX points! I called and placed it back in forbearance as my situation did not change. I recently found out these lates fell within the government covid forbearance. 

I requested a copy of my forbearance history and noticed that the government mandate back dated all the way to XXXX XXXX therefore my late payments are within the government mandated forbearance period. Since my delinquency fell in that time period of the mandate ; I reached out via dispute directly with Nelnet in efforts to have the credit reporting redacted. Without taking any of those factors into consideration they decided not to redact them because they confirmed the information was accurate. Once again, I was not disputing the accuracy of it I was asking for them to be removed to be fair because even the government recognized the time period I fell delinquent was a hardship for us all. 

Even though the delinquency took place 3 years ago ; lenders will not look past it. A XXXX point drop. It was reported as 5 separate accounts with 120 days delinquencies. My perfect payment history ruined. This has caused a bigger hardship than what a monthly payment would have cost. They have all the power to redact it but will not. This does not feel fair and doesnt reflect my true credit worthiness. And the timeframe it fell in ; during a government mandate but still no consideration to it just feels like a huge blow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XXXXXX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. diversified adjustment I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place

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 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
Phoenix Financial Services ... They claim I owe a debt of {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the supposed creditor. I do not owe this money never even heard of them. They issued me a statement on XX/XX/XXXX. I have talked to them when I tell them I didn't owe the debt or to explain what the debt is from they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I recently paid off my apple card and froze the account. Not too long after, there was a refund been credited to my account. So I have {$190.00} extra under my name. I reached out to their customer service. They suggested the only way to access that {$190.00} is to unfreeze the account and spend it. The thing is I don't want to spend it. I also asked them what if I close the account. They could not provide clear information regarding transfer this extra fund out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tiffany & Tiffany PLLC
State: VA

Complaint narrative:
On XX/XX/2023 a charge in the amount of {$860.00} was drafted from my savings account with XXXX XXXX  ( also known as XXXX ). I called to see how and where this charge was made and the representative tells that it was a garnishment and the funds were sent to Tiffany & Brown PLLC. I asked for a copy of a judgment order and or a court summons stating that I owe this creditor that money and the answer was we dont have a copy of the order when judgements and levys are in place we just draft the money directly to the creditor. Ive also spoken with representatives from Tiffany & Brown last firm and still have yet to been provided proper documentation ( court order ) stating that I owe the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
KOHN LAW FIRM, XXXX WI REPORTING TO CFPB AND FILING A COMPLAINT STATE ATTORNEY I now have proof of being harassed by Kohn Law Firm at my job causing me issues at my Employment. I have reported this account fraudulently numerous times. Provided paperwork and notary confirming. There is no signature or real validation that this XXXX Account was ever mine. Been fighting for three years now. I am now filing a full complaint ; with proof I was called at employment. 
Pictures are of my work phone, Kohn Law firm XXXX. This is my office/desk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This account is paid for by checks sent in mail. In XXXX of XXXX my payment was lost, knowing that I sent it on time along with all my other bills I contacted customer service about the issue on XX/XX/XXXX. On that day they told me that they would look for the check and submit a request to waive the late fee as it was not my fault, I paid all missing payments over the phone in order to avoid marking my credit. The check was later found and the late fee was removed. This occurred again in XXXX of XXXX where my check was lost, I contacted XXXX with customer service on XX/XX/XXXX who advised me to pay the previous months payment as well as the current due amount online in order to avoid scarring my credit, and stated that they would look for the check as well as request to waive the late fee again. They found the check and applied it to my account on XX/XX/XXXX, which in total took 3 months worth of payments from me in one month, again. The second request to waive the late fees have been repeatedly denied as they stated the first one was a courtesy, even though I sent no payments late and they accepted fault and found the missing checks both times. On XX/XX/XXXX I took the issue to management when I spoke to XXXX XXXX, a customer service supervisor, who again stated that my request was denied as the first one was a courtesy, she told me there was nobody else to speak to who could resolve the issue and all she could do for me was submit another request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent capital services is attempting to collect debt not owed to this company. I have contacts this company numerous times via phone, letter. This company refuses to remove debt from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all inf

ormation pertaining to the account listed above 100 % accurately. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent in a request to XXXX and Experian to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from XXXX or Experian. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents XXXX and Experian requires for XXXX straight months. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Sent {$500.00} from my XXXX account via XXXX to my niece TD account on XX/XX/2023. Her account did not reflect that transaction and she was advised by the TD bank clerk that she needed to close the account because it was not active. She was assured that the money would refunded to me.It was not. My enquiries to XXXX said that the money was in the other bank and TD made my niece close her account and said that they sent back the money to XXXX. 
I tried to contact XXXX but I don't know to reach anyone. 
I need help. please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, these companies have used my credit report illegally pursuant to 18 USC 8, I owe no debt This company is violating my consumer right to privacy to USC 1681 B 2. Company has also mo permission to report ANYTHING using my information pursuant too 15 USC 1681 4

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2023 : I attempted to receive my credit report from Equifax on XXXX 
I was refused access. 

I attempted to receive my credit report directly from Equifax with their my.equifax.com website. 
I was refused access and directed to call their customer support hotline, which was closed to calls at this time. 

XX/XX/2023 : I attempted once more to receive my credit report from my.equifax.com. 
I was refused access and directed again to call online. 

Their customer support hotline was open so I called them as directed, and attempted to resolve whatever issue they claimed I had. 
I was hung up on by an agent without explanation. 

I then tried calling again three more times, being hung up on without reaching an agent, all without explanation or with direction from a machine voice to attempt to resolve my issue online at my.equifax.com, despite my inability to access it. 

I called one more time, this time reaching an agent who claimed that there was absolutely no record of my existence, and that Equifax therefore refused my request for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: AZ

Complaint narrative:
My new mortgage processor is Valon , Inc. XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My payments are up to date. They have not paid my home insurance premium to XXXX XXXX XXXX & the policy # XXXX is expiring. 
XXXX is my representative at XXXX XXXX XXXX. The agent is XXXX XXXX XXXX. 
XXXX XXXX & myself were told by XXXX on Thursday XX/XX/XXXX  that a check would be sent in XXXX hours. She had gotten that information from a specialist in the insurance department named XXXX. No check has arrived. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief