vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) to Select Portfolio Servicing as of XXXX. Property taxes were due to the XXXX XXXX XXXXXXXX  XXXX on XXXXXXXX 
- XXXXXXXX  : knowing that SPS had not yet paid my real estate taxes, I notified them of the omission. 
XXXX XXXX  : I paid my taxes myself and submitted the receipt from the XXXX XXXX XXXX XXXXXXXX tax assessor to SPS - XXXX : I spoke to XXXX, a customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. She told me that everything would be resolved by XXXX. I received no further communications from SPS. 
- XXXXXXXX  : I spoke to XXXX, another customer service representative from SPS, to request a escrow refund to reimburse me for the taxes I paid. XXXX assured me that she would research the issue and to call be back by XXXX. I never heard from XXXX nor did I receive an escrow refund from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Subject : Request for Assistance - Discrepancy in Credit Reports Following Loan Forgiveness Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter related to the forgiveness of my student loans through MOHELA, and the subsequent discrepancies in my credit reports. I believe your office can provide valuable assistance in resolving this issue.

Identify the Problem and the Reason Behind It : Recently, my student loans with MOHELA were officially forgiven on XX/XX/2023. The forgiveness resulted in a XXXX balance, and my accounts are currently in good standing. However, despite this forgiveness, my credit reports inaccurately reflect that the accounts are still open and active. 

Define Expectations : In seeking your assistance, my primary expectation is to rectify the inaccuracies on my credit reports. I anticipate that, with your intervention, the correct status of my student loan accountsclosed with a XXXX balancecan be communicated to the credit reporting agencies. 

Describe Actions Already Taken to Resolve the Problem : To address this issue, I have taken the following actions : - Contacted MOHELA to verify the forgiveness and status of my loans. 
- Obtained documentation from MOHELA confirming the forgiveness and a XXXX balance. 
- Disputed the inaccuracies with the credit reporting agencies, providing them with the supporting documentation. 

Despite these efforts, the credit reports continue to incorrectly reflect that my student loan accounts are open and active. 

Supply Documentation to Support My Position : Enclosed with this letter, you will find copies of the relevant documentation from MOHELA confirming the forgiveness and a XXXX balance. Additionally, I have included copies of the dispute communications sent to the credit reporting agencies. 

I kindly request your assistance in investigating and resolving this matter. The inaccurate reporting is adversely affecting my credit profile, and I believe that the XXXXXXXX XXXX  XXXX can help ensure that the correct information is communicated to the credit reporting agencies. 

Thank you for your attention to this matter. I am willing to provide any further information or clarification that may be necessary. I can be reached at XXXX or 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 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I purchased a {$400.00} AMEX gift card from XXXX XXXX XXXX to utilize while on vacation. This card has declined at over XXXX different merchants, in person, over the phone and online retailers. Ive made several calls to AMEX Customer Service to receive no other answer than it is for the safety and security of the funds. I believe this is too secure if I cant access ANY of the funds EVER. So there is {$400.00} on this card that is not available for use. I would like refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
Volkswagen Credit is in violation of the Fair Credit Reporting Act, pursuant to 15 U.S. Code 1681a ( d ) ( XXXX ) ( A ) ( i ), by reporting transaction history/experience on my consumer report. Transaction history includes " late payments '' and is to be EXCLUDED from any and all consumer reports. 

I have sent notice to Volkswagen Credit 's dispute address of this inaccuracy with the letter attached below over 1 month ago, XX/XX/2023. And I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have had a Citi Best Buy credit card for 9 years. I am XXXX. I have never missed a payment on the card or a minimum payment. I'm 100 % on time. Citi bank has decided to call me 4 times a day every day. This is violating basic rights. 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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX has updated Experian several times of my XXXX balance on all XXXX accounts that were paid in full. Experian is the only company out of the three reporting agency that has refused to update its system. However, I have sent verifcation that I have a XXXX balance with XXXX, along with XXXX reflecting this to Experian and in their system. I currently do not owe XXXX in student loans. Please help my loans were transferred from XXXX and paid in full by XXXX. I have not balance with XXXX at all. This can be verified with them 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 2023-12-26 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: TX

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.

has violated my rights. Or a list of inquiries : 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 a 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 convictions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

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.

has violated my rights. Or a list of inquiries : 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 a 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 convictions 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 explanation
Consumer complaint received 2023-12-26 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: CA

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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 convictions 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
Consumer complaint received 2023-12-26 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:
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.

has violated my rights. Or a list of inquiries : 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 a 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 convictions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: MI

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.

has violated my rights. Or a list of inquiries : 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 a 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 convictions 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
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a little upwards of {$1000.00}, in order to prepare for our mortgage payment. I know this because my husband paid me his share of or monthly mortgage, and went to the bank with me to deposit his share of the money. We were given a statement showing we deposited only {$63.00} on the XXXX of XXXX, we do not have the deposit slip, but we both definitely remember making a deposit. Our mortgage payment was returned, as if we never made the deposit. there are cameras pointing at each teller, and we even know which teller it was, but that teller was not there today, when we went in to ask. We were told they could do nothing for us, unless we had a receipt deposit. I feel that a review of the camera footage could clear this up.

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 2023-12-26 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:
Attached is the initial request for Experian to investigate the inquiries that appears on my consumer report. They have, thus far, failed to comply and therefore have violated the law. 

For over XXXX years I have requested investigations on the inquiries and have not received evidence of XXXX. Experian is breaking the law and causing injury. 

This is my final administrative attempt prior to filing suit.

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 2023-12-26 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:
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.

has violated my rights. Or a list of inquiries : 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 a 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 convictions 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 explanation
Consumer complaint received 2023-12-26 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: NJ

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I called capital one settlement department regarding if I was involved in the settlement. They verified my information, and they stated they sent XXXX emails. I did not receive a email or was never informed by capital one my information was hacked or that I needed to submit a claim for this settlement before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
In XXXX of XXXX my XXXX  and I applied to the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  for an apartment. Prior to signing the lease we were notified that the apartment we had applied for was no longer available and we notified XXXX XXXX XXXX XXXX XXXX in writing that we were no longer interested in pursuing a residence at the complex as our selected unit was unavailable. We paid the fees associated with the application process and ended our relationship. On XXXX XX/XX/XXXX XXXX XXXX  the billing agency for XXXX XXXX XXXX XXXX XXXX sent me an email indicating that we had a {$200.00} dollar move out fees for the XXXX XXXX XXXX XXXX XXXX. I informed them in writing that we had never signed a lease and could not possibly have a fine associated with moving out of a property that we never lived in. 

On XXXX XX/XX/XXXX, I received a notification letter from Columbia Debt Recovery LLC DBA Genesis of Everett, XXXX indicating a potential debt of {$200.00} dollars due to alleged administrative fees associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I responded by certified mail to dispute this debt and to request validation of the debt. Within this letter I included an annotated copy of the pre-leasing agreement with the XXXX XXXX XXXX XXXX XXXX that indicated the fees were not required to be paid as neither my spouse nor I ever completed the leasing process at the XXXX XXXX XXXX XXXX XXXX. The apartment we had applied for had been unavailable and we responded in writing to XXXX XXXX XXXX XXXX XXXX  that we were no longer considering the property per the terms of their agreement. 

On XXXX XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC DBA Genesis that included our partially completed application to the XXXX XXXX XXXX XXXX XXXX ( less the terms and conditions portion ), a sheet that indicated we had passed their leasing criterion and an invoice for administrative fees dated XXXX XX/XX/XXXX. I returned in an email that this was not adequate proof for the debt as the terms and conditions had been omitted from the agreement which indicated that no debt was owed. I called Columbia Debt Recovery LLC DBA Genesis on XXXX XX/XX/XXXX and was told to respond via email and that they were unable to provide a phone number to the division of Columbia Debt Recovery LLC DBA Genesis that validates the debt. 

On XXXX XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC DBA Genesis prompting me on the disputed amount. Columbia Debt Recovery LLC DBA Genesis had not yet responded to my previous email disputing the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto has violated The Privacy Act of 1974 and negatively affected my credit by reporting derogatory marks against me without my written consent continually without giving me the option to opt-out per 16 CFR 313.7.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
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 XXXX  Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.

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