vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NH

Complaint narrative:
I cosigned for a loan with my daughter through Earnest.

Although shes on automatic payments twice now Earnest has called me ( without speaking to her ) demanding I immediately pay the amount due.

The first time I paid it but this time it had a scammy feel to it ; she was actually here so I told the woman on the line I was talking to my daughter first and hung up.

Theyre way too pushy and I think they should contact the borrower first if there isnt a chance of default. Shes days late and on automatic payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I had a medical debt with XXXX and have been paying them no fly to solve. There was an invoice they sent to an old address and never attempted to send to correct updated address they had in their system. They sent me to collections with Capio. I contacted Capio, requested itemized statement. Called XXXX to solve this issue as it should have never gone to collections in the first place. XXXX told me to contact Capio to solve and make payment arrangement. Capio told me XXXX can pull the bad debt back to XXXX. XXXX refuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
I am writing this complaint to Experian regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Experian is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Experians duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In a nutshell, two flights were booked through XXXX XXXX. The first one was made by mistake. Told that we were going to be refunded never were so disputed it with the credit card company, and the credit card company says that they refuse to pay.

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 2024-02-21 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: NY

Complaint narrative:
Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/2024 I contacted Upstart to confirm payment process via check. I received an email with payment instructions and mailing address. On XX/XX/2024, I mailed the final balance of loan {$14000.00} to arrive on XX/XX/2024. I was provided a tracking number and confirmed it was received on XX/XX/2024. My account also showed the payment would be processes on XX/XX/2024. On XX/XX/2024 the payment possessed for {$15000.00}. On XX/XX/2024, I received an email for a check error and an assessment of a {$15.00} fee for a returned check. When I called upstart.com. I explained they made an error and processed the incorrect amount. I sent them a copy of the check and showed the error in the amount. I was told this would get taken care of. I called on XX/XX/2024 and XX/XX/2024 with no resolve. On XX/XX/2024, I called and spoke to a supervisor that advised me the process could take XXXX. I advised there is a payment due and was advised I would have to pay that. I need this error that was cause by Upstart.com to be corrected. I should not have to pay any additional interest for their error. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc.
State: AR

Complaint narrative:
An XXXX XXXX with XXXX XXXX keeps calling from a blocked number. I spoke to her and let her know when I intend on paying the debt and she said okay. Prior to agreeing, she said that I had a scheduled service date to sign for papers that would be delivered to my house and if Im not home to sign for these papers that they will be sent back and deemed as failure to comply. I she calls from a block number but leaves XXXX as a call back #. I told her I just started a new job and plan to pay, but got another call this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Account number : XXXX XXXX XXXX Bank of America has declined to reimburse me for missing funds totaling over {$15000.00}. I suspect that Bank of America has misappropriated my funds and is disguising it as fraud. I initiated a fraud claim in XX/XX/XXXX, which went unanswered. Despite multiple attempts to follow up via phone, I received no resolution and was continuously redirected. In XX/XX/XXXX, Bank of America requested that I resubmit the claim and email the documentation to their specified address, yet this request was also disregarded. Without prior notice or explanation, Bank of America subsequently closed my account during the ongoing claim process. 

Today, the bank has acknowledged that their account was compromised by hackers and fraudulent activity did occur. However, they persist in refusing to reimburse me for my losses. The hackers initiated numerous transactions using the identity of my payroll provider, " XXXX ''. I suspect that there may have been additional fraudulent transactions disguised under the names of legitimate vendors with whom I have conducted business. It is imperative that I recover my funds without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: AL

Complaint narrative:
My paycheck was garnished by XXXX XXXX which I has submitted to Derek Williams Law group who is doing debt consolidation for me. XXXX XXXX did not recognize that I had given them a POA. After the garnishment I notified Derek Williams Law group and they removed the debtor. The judgment was settled and should have been removed in XX/XX/year>. On XXXX XXXX I received a random email from a XXXX XXXX for XXXX XXXX XXXX XXXX stating they were working on this debt with XXXX XXXX XXXX and it was already settled in XXXX. I emailed her at XXXX and received no response. I tried to get a lease and they said there was a judgment. So had to call everyone to figure it out. XXXX XXXX can not talk to me because it still shows this XXXX XXXX person as my " attorney ''. I don't know who that is or what is going on. But no letter of revocation was sent by XXXX XXXX or Derek Williams Law Group to date. I called Derek Williams Law Group to see if they could send one ASAP. I was told to wait 48 hours. My primary complaint is against XXXX XXXX and his associates. I need this judgment removed from my credit asap because I can't find a place to live and I will be homeless. Emails used wrong heading for case title.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

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 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MO

Complaint narrative:
I reached out via phone, email, and customer service messenger for my chain of title documents on my loan, as well as my fathers parent + loan. Over the phone the very nice lady told me they would get it to me in XXXX business days, which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair Credit Reporting Act the creditor of Capital One and XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681, section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am reaching out to seek your assistance in addressing a concerning matter regarding inaccurate personal information on my credit report, which is adversely affecting my creditworthiness. 

The specific issues are in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681i : As per FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information on their credit reports. I have identified inaccuracies in my personal information, specifically incorrect names, phone numbers, and addresses, which are negatively impacting the accuracy of my credit report. 

Fair Credit Reporting Act ( FCRA ) - Section 1681e : FCRA Section 1681e mandates consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my personal information demonstrate a failure in these reasonable procedures. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt correction of the inaccurate personal information on my credit report. Enclosed with this letter, please find supporting documentation highlighting the discrepancies in my personal information. 

Your prompt attention to this matter is crucial in maintaining the accuracy and fairness of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, 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 2024-02-21 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: NY

Complaint narrative:
Subject : Formal Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am reaching out to seek your assistance in addressing a concerning matter regarding inaccurate personal information on my credit report, which is adversely affecting my creditworthiness. 

The specific issues are in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681i : As per FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information on their credit reports. I have identified inaccuracies in my personal information, specifically incorrect names, phone numbers, and addresses, which are negatively impacting the accuracy of my credit report. 

Fair Credit Reporting Act ( FCRA ) - Section 1681e : FCRA Section 1681e mandates consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my personal information demonstrate a failure in these reasonable procedures. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt correction of the inaccurate personal information on my credit report. Enclosed with this letter, please find supporting documentation highlighting the discrepancies in my personal information. 

Your prompt attention to this matter is crucial in maintaining the accuracy and fairness of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: IA

Complaint narrative:
I received a text from a XXXX number ( XXXX ) that said the following ( the errors and starting comma included ) : ", This is ARC Management Group contacting you on behalf of XXXX XXXX XXXX XXXX. 

Reply ARCMED to receive additional details. 

Para recibir detalles en XXXX, po favor responda con ARCSPA Reply STOP to cancel, msg & data rates may apply ALL REPLIES OUTSIDE OF STOP or the Keyword. PLEASE DIRECT TO reply@arcmgmt.com, and please include identifying information when emailing ( account number, phone number, etc. ) '' I looked up ARC Management, and they're a debt collection company in Georgia. However, their phone number did not match the one this text came from, and their contact email used XXXX '' instead of XXXX ''. 

I've never been a patient at XXXX XXXX XXXX XXXX and don't even know where that is. Nor have I ever received any bills from those hospitalists. 

When I tried calling them, I couldn't reach a real person. So I called the main XXXX XXXXl in town, and they had never heard of this ARC Management Group either. They transferred me to the hospital VP ( I think ), but she didn't answer so I left a message and never got a call back. 

I hope this is a scam text, so I tried to report it to reportfraud.ftc.gov, but since this dealt with debt collection, they sent me to the CFPB address and this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL HAS NOT PROVIDED PROOF OF ME CONSENTING TO BE AN AUTHORIZED USER ON ACCOUNT XXXX. Navy Federal XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2024 Dear NAVY FEDERAL CREDIT UNION XXXX I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card account [ XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on this account. 

Until such proof is provided, I insist that you immediately remove me as an authorized user from the account and cease any further reporting of this information to the credit bureaus. Failure to comply with this request may result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
Please remove hard inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Issues as follows : 1.After applying for IDR plan, told to print out application and mail to address not listed on site. XXXX. Contacted customer service through studentaid.gov, told to email application and submit through loan servicer. Email provided was incorrect. XXXX. Applied to IDR plan to make sure they have my application before my loan repayments start and was told I couldn't apply because my loans weren't due yet. Yes, I know they're not due, that's why I'm applying ahead of time to give me a margin of error that seems to infest student loan servicers, but can't.

Company response to consumer: Closed with explanation