vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX am I received a phone call from XXXX an unknown number to me, originating in XXXX XXXX XXXX. The individual on the phone, speaking broken XXXX and very difficult to decipher, asked to speak to me. They proceeded to tell me they were from a collection agency ( could not understand the name ) and that I owed {$780.00}. I asked for what and was told XXXX XXXX. I denied having any knowledge of the account and I attempted to verify the phone number they were trying to reach and the account number associated with the delinquent amount when the person hung up on me. I then received the same type of odd calls with broken XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. After XX/XX/XXXX I blocked the caller. I assumed this was a scam that I hear about all the time on the news, especially after the individual hung up on me when trying to verify. On XX/XX/XXXX I received notice from my credit monitoring service that a collection remark had been added to my credit report. I obtained the number to Sunrise Credit services, the company that placed the collection located in XXXX  and the same number from which I received the prior calls from XXXX, and informed them that this was not my account, that they did not properly notify me of the collection, and that they needed to remove the collection remark from my credit report. I was told I had to file a dispute and that it was not their policy to remove a collection from my credit report. I personally dont care what their policy is, they failed to notify me properly in order for me to dispute this account PRIOR to adding a collection remark to my otherwise outstanding credit report. This is a horrible way to do business, how many unsuspecting people, who dont actually owe any money to this company, pay them? They need to answer fro their disgusting business practices.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/year> I applied for a business credit card, which they gave me, which I used but they sent the bill to the wrong address. They called me in XXXX for the first time and they said that I was late, the next day I went to the Bank and paid, they did not give me a courtesy call, then I found that they were using the wrong address for the mail and I dispute the late payment and proof to them that was the wrong address, I dispute with XXXX twice, two bank managers submit the dispute and they keep saying that they were right, my credit score decrease XXXX points and I have a financial hardship for their fault, they have not treated me as a client, they treat me as an enemy. In my dispute, I sent them my credit report to show them that I have never been late and nothing happened. Even though I have a business loan with them and I show them that I always pay on time. I don't know if they discriminate against me for being XXXX, but they abuse me.I called them and explained, I asked to talk with a supervisor and their attitude was the same. I am retired and receive a direct deposit and they keep charging me the {$25.00} service, I even was trying with a Lawyer. I work in XXXX XXXX and XXXX, I know the importance of my credit and they have been pushing me to not pay them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXX XXXX is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXXXXXX XXXX is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
I made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXX XXXX  is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.

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 2024-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Fairly new accounts with XXXX  to go and XXXX, paying on time, and after a few months they reduced available credit on both accounts, that again changed the usage percentage of line of credits in my credit burau, and this resulted in my XXXX XXXX dropping below the XXXX mark. I understand this is something that Synchrony Bank have done to thousands of account holders without notice to account holders

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
I am asking for your assistance regarding this incorrect account showing on my credit report. This issue has affected my reputation, and I need your help. Your mishandling of my credit report has caused significant harm due to the false reporting. You must eliminate this incorrect information from my 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 2024-09-12 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: NC

Complaint narrative:
I was shocked to discover incorrect accounts on my credit report this evening, and I can't explain why theyre there. Ive always checked my credit report consistently without issues, but tonight, I was hit with these strange discrepancies. I even refreshed my browser to see if it was a mistake, but the inaccurate accounts persisted. Its really distressing, and I would appreciate it if the documents I sent are closely reviewed so I never have to face this again.

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 2024-09-12 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: TX

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-09-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent account. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-09-12 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: IL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told by Navient they were now my loan servicer since Sallie Mae stopped. I've had a Sallie Mae Stafford Loan since XXXX. I attended University XXXX XXXX XXXX to XXXX program in XXXX XXXX. Navient told me it was now a private loan and didn't qualify for any of Biden 's payment plan or reductions. I tried deferment, and recently paid off the XXXX dollar loan in XXXX. That's over 25 years of dealing with Navient and Sallie Mae. Navient kept denying my attempts. Even after stopping work with the birth of my child who has XXXX XXXX. I couldn't get Navient to listen to anything I had to say about the Stafford Loan. The just decided to change it to a private loan with no explanation. Please help if you can. I was over charged by Navient since they took over for Sallie Mae. Not sure of what year Navient took over my loan. I think it was about XXXX. So that's 10 years at least of payments and deferment requests and loan overcharges.i tried several times to apply for Biden 's loan relief, but Navient kept saying I didn't qualify. That wasn't true in their part, but I'm one nurse who couldn't fight them and raise a XXXX child at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
l amwriting to delete the following information from my file. the items l deleted are listed in the report l am a big team of identity theft and l did not make the charge. l reported the theft of my identity to the federal trade commission identity, theft, affidavit. 
please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-12 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: LEXISNEXIS
State: CT

Complaint narrative:
am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a rarely used American Express Card which when used was still providing snail mail statements, which was misplaced. I had a balance of {$190.00} due XXXX XXXX XXXX  I went online and the balance was {$190.00} and I paid in full. Immediately a {$40.00} late fee showed on the account ( why wasn't it there when I was paying?? ). I called and was told that they were unable to help since at one point in the 23 years I had been a member they had waived a late fee. Fine - my mistake - so I handled the {$40.00} late fee with the person I was speaking to and got assistance to switch to a paperless statement going forward as I do with my other cards. On XX/XX/XXXX I received a statement with a {$4.00} balance. I have now gotten off the phone on XX/XX/XXXX with a representative who shared that that was interest and most likely I will be charged that again in the next payment cycle!

How is this possible in today 's situation??? On a {$190.00} bill that I mistakenly paid in full two days late I will incur {$48.00} in fees and interest. When is someone going to control what these loan sharks are doing. 25 % in fees and interest for two days!

I have paid the {$4.00} and cancelled the card and will see if they send yet another interest bill. What is being done to protect consumers from these criminal actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I signed up for XXXX XXXX XXXX and received a XXXX XXXX loan. I was not in school 30 days when the course was cancelled due to no XXXX. I never received the education promised. As we all know, XXXX XXXX XXXX was permanently closed. Evidently, XXXX XXXX sold my loan to Navient. I have tried to get help from Navient, although no results. I have paid massive money on this loan, still with a balance due, that I do not owe. I need help please to resolve this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief