vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Hello I am writing to address an issue regarding my borrower defense application under the XXXX XXXX XXXX case. Although I was granted full forgiveness of almost {$40000.00} of student loans, reflected on both the Mohela and Dept of Education websites, the loans that were forgiven are not related to my attendance at XXXX XXXX XXXX from XXXX to XXXX. Instead, these loans were consolidated from another institution.

Additionally, I am currently serving in the military, and because the wrong loans have been- marked with a {$0.00} balance, I have lost valuable time toward earning Public Service Loan Forgiveness ( PSLF ). This situation is significantly impacting my progress toward PSLF, and I would appreciate urgent attention to correct the loan forgiveness records. 

Per the XXXX XXXX XXXX settlement, I am entitled to a refund of the monies I paid toward my XXXX loans. I have not yet received this refund, and I would like to know when I can expect to receive the check for the XXXX loans as outlined in the settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments listed. I sent letters about this over 30 days ago but haven't received any response or satisfactory validation. I'm seeking help to resolve this issue quickly and effectively.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2024 Wells Fargo reported a negative credit incident related to my credit card. The information provided to XXXX credit reporting agency is materially FALSE and unsubstantiated.

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 2024-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: MD

Complaint narrative:
I started a payment arrangement last year and made payments for a few months before I realized the balance wasnt decreasing nor did the status from negative standing ever change. The company said they werent in charge of reporting the payments but continued to harass me for more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a formal request to LVNV Funding LLC for validation, proof, and verification of an alleged debt they claimed I owed. This request was made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I followed up with two additional requests on XX/XX/year>, and XX/XX/year>, as I had not received any response from LVNV Funding LLC.

To date, LVNV Funding LLC has failed to provide any documentation substantiating their claims, as required by federal law. Despite the absence of validation, LVNV Funding LLC has reported this alleged debt to credit reporting agencies, negatively affecting my consumer credit profile. These actions violate my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am seeking immediate action to have all entries related to this alleged debt deleted from my credit report, as well as permanent removal of any information regarding this account from LVNV Funding LLCs database. Furthermore, I demand written confirmation that this matter has been resolved.

If these actions are not taken promptly, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have always paid online at my chase account. When I sign in it then request a code that will will be sent to me over my phone or email. However it does not give me an option to receive the code. They claim every time I call ( 7 ) that it is fixed, but it isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  pulled a report from my TransUnion credit report. They determined with that information to close my XXXXXXXX XXXX XXXX. I explained to them it was not correct when they finally explained to me why my account was closed. They stated to few accounts paid as agreed, The length of the loan not enough paid for the timeline ( It was my mortgage ) I have paid the amount we are supposed to for over 4 years. On all my accounts I have paid as agreed and pay more the minimum every time I can. I always at least pay the minimum payments though. There are XXXX situations where I was not able to pay right away on XXXX of my accounts. XXXX of the accounts was 30 days late. The other account was 60 days. Only closed accounts were XXXX XXXX  account and XXXX due to gear return issue but the balance is XXXX and stays on my report. I turned in everything they requested and was already out of the military at that time as well. They then told me I had to turn in gear that I supposed to still have but didnt it was turned in. I have called XXXX XXXX  and TransUnion to try and resolve the issue. They both tell me there is nothing they can do. I have XXXX and have served my country honorably and I feel they are closing accounts that should be still open. I got a letter when I disputed the account being closed. It arrived from XXXX XXXX  telling me their decision still stands. Even after I told them the information they used is incorrect I pay all my account as agreed and on time. The guy I also spoke with just kept asking me what do you want me to do over and over. He said transunion fixes the incorrect information. XXXX XXXX from TransUnion told me they do not fix anything that they can only do credit report in the mail to me. XXXX from TransUnion hung up the phone on me. XXXX was very rude as well she kept interrupting me not letting me fully explain what happened and why I was calling TransUnion. XXXX XXXX  told me I had to call them to dispute the information. I did dispute it and that is when the letter arrived. They closed my account out of the blue then told me to few accounts paid as agreed and not enough paid on the length of the loan which was our mortgage loan for our house. Them closing my account my credit score dropped over 67 points and negatively affected my credit when I did nothing wrong. They refuse to help any further and I feel they are discriminating based on false information. XXXX XXXX  told me they use that information to determine credit worthiness and to see if customers will pay their bills. I explained to him that I do pay on time and the amounts agreed. He stated how do I know that. When clearly that was a lie because they can see I paid mine on time and amounts agreed.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Oh XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. 
XXXX, UT XXXX Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$1300.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-19 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I attached the photos before. I disputed XXXX transactions with Goldman and Sachs Apple Card. XXXX of these disputes so far were won in my favor with the amounts being {$57.00}, {$62.00}, and {$88.00}. These amounts were never returned to me when I won the dispute. The company closed my credit card account without any reason or explanation and after a month have not provided me with XXXX as per their policy. During the period that my account has since been closed I received emails from Apple that I won these disputes and the disputes were resolved in my favor. The money was never returned to me. The credit card company is just taking the money they owe me to keep for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Thank you for working with me on my credit dispute. Unfortunately this is a unique situation ( atleast to me it is ) where the Barclays may not be appreciating the nuances and are going through their normal processes which don't apply to this situation. In summary. I closed my account / credit card with Barclays. I also changed my primary email address. It turns out that Barclays did not close my account and credit card resulting in a subscription charge from a third party for {$5.00} being put onto the card. Since I had changed email addresses, Barclays did not have the correct email address and thus I was unaware of the {$5.00} charge. I came to find out when a debt collector contacted me much later on that month after month Barclays was applying a XXXX XXXX  late fee charge each month and applying interest. All stemming from a {$5.00} charge from a third party after I had instructed them to close my account. In conclusion, after what feels like thousands of calls with Barclays and the debt collector, I have settled the debt ( even though I didnt do anything wrong, just want to move on from the situation ) but am now trying to tackle getting the late payment reporting off of my credit score. Barclays refuses to do any actual work and keeps trying to push me to the debt collector which isn't reporting anything to the credit bureaus. The credit bureaus have instructed me that Barclays sees the information as accurate but I can't speak with anyone at Barclays. When working with Barclays customer service they are incapable of even getting me to the right team to address this matter.

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 2024-09-19 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:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-09-19 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: FL

Complaint narrative:
The credit reporting company is in direct violation of U.s. code 1681 EB This law states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Attached below is where XXXX is reporting this as being ok and paid as agreed.

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 2024-09-19 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: FL

Complaint narrative:
The credit reporting company is in direct violation of U.s. code 1681 EB This law states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Attached below is where XXXX is reporting this as being ok and paid as agreed.

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 2024-09-19 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-19 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: FL

Complaint narrative:
There are several unauthorized hard inquiries and XXXX collections that does not belong to me on my credit report.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collections on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts 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
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I wrote to Experian in XXXX and asked for the removal of the accounts mentioned below for inaccuracies. they have not removed them. I request the immediate removal of the following negative items from my credit report, as they are unjustly affecting my creditworthiness : XXXX XXXXI have not been provided with an account number or details, yet this account appears on my credit report. I can not validate this account, and I believe it should be removed if they can not provide appropriate information. 

XXXX XXXXI have no open accounts with XXXX XXXX, yet I am being reported for delinquent accounts every month. I request that the CFPB ask XXXX XXXX to validate these accounts or remove them from my credit report.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments listed. I sent letters about this over 30 days ago but haven't received any response or satisfactory validation. I'm seeking help to resolve this issue quickly and effectively.

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