vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: OK

Complaint narrative:
THE ITEMS LISTED ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CO

Complaint narrative:
My loan is on a repayment plan based on my income, Mohela never reports correctly they are reporting Im late on every payment but my payment is XXXX $ they are affecting my credit score weekly its consistently saying I owe XXXX but then theyre reporting me late every month sometimes more than once a month. The information is never the same from them Ive been at it with them since XX/XX/2023 2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A complaint was submitted against XXXX on XX/XX/XXXX ( complaint XXXX ) for not providing disclose that a hard inquiry would be made on consumer credit reports. XXXX responded on XX/XX/XXXX, stating they do not report to consumer reporting agencies and, if they did, it would be a soft inquiry. The CFPB closed the case. 

However, XXXX did in fact report, and that of a hard inquiry as evidenced by the attached consumer report. Credit scoring has been impacted negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TN

Complaint narrative:
I have noticed an address on my credit report that is not mine. I have reason to believe that this address is associated with known fraudsters. I have spoken with Experian about this false address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We had a car broken into. The thief stole credit cards, purse and wallet. The card within an hour was used at a local mall and combined spend over {$1000.00} within a few hours. 

Once we were alerted by the card of high transactions, we froze all cards. Police report was filed and theft was reported. 

Reported the theft to Bank of America and requested new card. They reversed charges, today after a month they reversed charges to our account claiming we gave the thief permission to use the card. 

We sent in police reports and validated that these claims are completely false. We have no idea who broke in nor would we allow them to use the cards they stole.

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 monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank reduced my two retail credit cards line of credits that affected my whole credit usage and thereby reducing my overall credit score which my other creditors are looking as negative. I have a Synchrony Car Care card that I use for care repairs when needed. Since my car do not break down every month, I do not use the card. I had {$1800.00} credit list on the card, XX/XX/XXXX, I used the card for some emergency repairs on my car. Almost immediately after I used the card, my credit limit was reduced to {$900.00} which was about what I used on the card. As a result of this action my credit score and account credit usage went up and showed negative because it showed that I maxed out the card by using all my credit limit. I had never missed any payment on any of y account since 2017. My XXXX Credit Card for travel only and which I only travel when necessary was used in XXXX for {$350.00} airline ticket to visit my son 's wedding out of state. I had {$1500.00} line of credit on this card. Synchrony Bank again reduced my credit limit to exactly the amount used for the airline ticket. Again this affected my credit usage and my credit score. So I contacted Synchrony Bank and was told that the reason they reached my credit limit was because my Credit Usage changed and my credit scores no longer meet their requirement to allow me to keep the same credit limit. They cut my credit limit to minimum which affected my credit usage and my credit scores and then they pulled my credit after the fact to tell me that my credit score went down below their requirement. I started to research if anyone had the same problem with Synchrony Bank reducing their credit limits which affects their credit scores. Lots of people have many complaints on social media about this problem. My other creditors are now looking at my other accounts to see if I was having problem paying back on my account. Because of Synchrony action, my XXXX XXXX account with no limit was cut off and new limit set to my balance. When I contacted XXXX, they told me that my credit usage and credit score changes was the basis of their decision. Synchrony Bank is ruined my credit score and tarnish my record with 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
BMO stated I need a hold harmless to release my funds, I provided documentation multiple times proving that my funds were legitimate. There is no reason that I am suffering to regain control of my funds in this manner. Im attaching multiple images from XXXX stating that BMO Harris is responsible for reaching out to them from a financial institutional stand point regarding a hold harmless letter. I have reached out to the Federal Bureau multiple times about this situation at this point I feel as though BMO HARRIS is asking for something they know I wont be able to receive, just to confiscate my money. I am a business owner this has impacted my business in multiple ways, I am now homeless due to the incompetence of this situation and lack of asking for more documentation. There is no reason my money should be going to uncollected claims when I showed proof of the check from XXXXXXXX XXXX and I also attached a letter of XXXX XXXX stating BMO HARRIS would have to ask for a hold harmless letter from XXXX XXXX and not me as a individual.

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 monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a {$3000.00} cash deposit at XXXX on XX/XX/XXXX at the atm machine XXXX. The atm machine malfunctioned and then I received a receipt for the transaction which did not note the amount of the transaction and said " A machine error has occurred, and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number of the back of your card ''. 

I did contact US Bank and filed a dispute. However, the funds are not available and now my account is severely overdrawn and the bank has not credited my account for either the deposit OR overdraft fees leaving me in a serious financial situation. 

The branch manager at that location said there was nothing he could do which I've now found out is not true. I need this resolved immediately and not wait 10-45 business days like the bank is telling me. I deposited cash, not a check. The atm accounting for XX/XX/XXXX needs to occur and one should be able to clearly see me count out the money in front of the camera as that is XXXX when i deposit. Additionally, my banking pattern clearly shows that every other Friday I make a large ( $ XXXX $ XXXX ) deposit at a US Bank ATM . 

US Bank has completely stonewalled and has made zero progress and on my follow up calls they just say there is nothing they can do to expedite which is completely unacceptable and unfair to me the consumer. This is 100 % US Bank 's issue and not mine so I shouldn't be the one penalized. 

I am requesting that my account be credited for not only the {$3000.00} deposit I made, but clear ALL overdraft fees incurred in the months of XX/XX/XXXX and XX/XX/XXXX as a result. 

It is unfair and unjust to penalize the consumer for the bank 's mechanical failures on their ATM at one of their branches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
This collection agencies REPORTING I own them, I have never open an account with them or have any contact with i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I co-signed my son 's student loan as a co-borrower or guarantor of his loan and the Massachusetts Educational Finance Agency ( MEFA ), without my knowledge, assigned me as the primary borrower. I am not the primary borrower, my son is. My son makes all payments of both principal and interest on his loan not me. By MEFA assigning me as the primary borrower all paperwork including IRS 1098E comes in my name and not my son 's. 
My son is due a {$490.00} refund on his federal income taxes from the student loan interest which he paid which he can not get because MEFA put my name as the primary borrower not my son. I did not sign up as the primary borrower and the IRS will not give him his refund because the 1098E is in my name and also say that I should contact the lender ( MEFA ) which I did multiple times and was told the only way to have this poor policy on their part changed is for my son to refinance his loan and we all know where interest rate have gone since this loan was applied for in 2019. The next time I called I was instructed to call their billing department and that maybe they could help me, which turns out to be XXXX XXXX XXXX ( XXXX ) billing and payment service company who MEFA uses whom I had already called asking why they kept sending the monthly bill to me and not my son. When I called XXXX I was told that I had to talk to MEFA and that is just how MEFA handles their loans and I do not think this is right. It is fraudulent to assign me as the primary borrower when i was the co-signee of the loan. 
I had my son sign up for autopayment of his loans plus a little extra principal every month to shorten the loan and pay less in the long run, to keep me from receiving monthly bills and to make sure that all payments were made on time to aid my son in developing some credit for future borrowing if needed. So XXXX and presumably MEFA knows that my son is paying the interest, yet the send the 1098E form in my name knowing that I don't pay the interest and have no right to claim my son 's valid deduction for the interest paid. 

So now my son and myself are stuck between the IRS, MEFA, and XXXX and they are all point to each other to have this issue resolved and get my son the refund he is due. I believe that this poor policy by MEFA is just wrong and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet - Loans transferred from Great Lakes -Nelnet website is failing to process payments ( as seen online, this issue is effecting multiple people using Nelnet ) and refusing to resolve the issue -When entering valid bank information ( triple-checked ) and attempting a payment, they will show the payment in processing but then say the bank failed the payment >>When checking with my bank, they said there was zero indication a payment was ever received or attempted >>Customer support wait times are around ~2 hours and millions of borrowers are incurring late penalities as a result >>When calling Nelnet, they refuse to escalate this issue and will put you on hold for hours on end and never pick back up >>When attempting to escalate, reps will intentionally divert you to hold till you hang up Nelnet is potentially intentionally making it impossible to make payments so that millions of borrowers incur further interest and late penalties that they can gather on. There customer service line is abysmal and makes it so few callers can get through and those that do are intentionally ignored or put on hold for hours on end till they give up and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must 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
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
The payment that I made to Arvest mortgage in early XXXX ( {$5000.00} ) was evidently misapplied towards my automatic payments in XXXX and XXXX. I told them that was not what I had requested and was told it could not be fixed. This was costing me interest. I tried repeatedly to get them to correct the mistake and apply it correctly along with taking out the automatic payments correctly and they said it could not be done. Even the XXXX payment which had not occurred yet could not be corrected. It was extremely frustrating since it was the bank 's mistake, so eventually I went to my bank and had them wire the payment to completely pay off the loan which cost me an additional {$20.00} for the wire. I am no out the interest from the payments that should have been made as well as the wire fee. It was not the mistake that bothered me as much as the fact they said the mistake could not be corrected even though I had automatic payments and had paid an additional {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which are causing significant distress and financial harm. Specifically, this account : XXXX XXXX XXXX XXXX XXXX It is of utmost importance to underscore that this account do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax. However, they have failed to resolve the problem. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must 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
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Headway Capital has sent my account into collections. 

In writing, via email, I have asked them to cease and desist all collection activities. They have boldy refused to ... going so far as to email me back refusing to cease communication. 

I've also requested validation of the debt as the total is wrong. Months later and they have provided me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: LEXISNEXIS
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.

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 non-monetary relief