vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC
State: CA

Complaint narrative:
Contacted XXXX LoanCare by phone on XX/XX/XXXX and requested written payoff of mortgage that was required for sale. Close date should have been XX/XX/XXXX. The breach they experienced was never communicated to me until XX/XX/XXXX, saying their systems were back online. A payoff has still not been provided, despite 3 additional requests sent by myself and the closing title company ( XXXX XXXX ). Im now being forced to close on the sale without any knowledge when Ill get the money from the sale ( over $ XXXX is due to me ). Attempts to call the company say our agents are unable to help you at this time. Press 1 to return to the main menu or hang up. The attached communication is the only information Loancare has sent regarding any of this- received XX/XX/XXXX at 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 2023-12-02 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am attempting to obtain information about how to pay off the credit card. I have called, but since I no longer have the credit card, I can not bypass the prompt to verify who I am. The credit card is very old as well, so it should not be on my report. I am unable to speak with anyone at Chase ; thus I am unable to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am attempting to obtain information about how to pay off the credit card. I have called, but since I no longer have the credit card, I can not bypass the prompt to verify who I am. The credit card is very old as well, so it should not be on my report. I am unable to speak with anyone at XXXX ; thus I am unable to get the issue resolved.

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
SCAMMERS! VENMO IS A CRIIMINAL ORGANISATION! 
Beginning XXXX I tried to withdraw funds from my account and they immediately froze my venmo account after I tried to withdraw asking for me to submit my ID. on the XXXX of XXXX I have received this email that my account has been unfrozen : We're contacting you because your account was recently frozen. 
After review, we have unfrozen your account. You should be able to use Venmo as normal, but you may need to log out and back in to see this change reflected in your app. 
We apologize for any inconvenience this situation may have created. Please reply this this email if you have any questions. 
Team Venmo -- -- -- -- I then tried to withdraw my money once again on XXXX XXXX XXXX! first I got a message that funds or on their way and then again!!!! guess what account frozen!!!!! VENMO JUST FOOLS PEOPLE IN ENDLESS VERIFICATION LOOPS IN ORDER NOT TO PAY THEM. I will inform the FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Company : Lexis Nexis Consumer Number : XXXX Case Number : XXXX 1. The company records show an address history at : XXXX XXXX XXXX, XXXX, FL XXXX. I have no knowledge about this address. I absolutely never lived at this address, knows no one at this address, or never received mail of any sort at this address. Please remove this address from my files. 

2. On my auto Insurance report, its shows a claim or an accident reported by XXXX XXXX on XX/XX/. I never had an accident or reported a claim to anyone. Even though it reflects on LexisNexis, when I called progressive to dispute the item, they denied it. 
Please remove the incorrect information. 
3. I also find it unnecessary to list my entire life span address history. It serves no purpose to me or my credit file. Under the Fair Credit Reporting Act, I'm asking that my address history be limited to a few years or as required by law. whether it be three or five, seven, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-02 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: OK

Complaint narrative:
I was a victim of identity theft back in XXXX of 2023. My Fraud Protection company XXXX XXXX and XXXX got involved and we got everything corrected with all Credit Reporting Agencies except Equifax. The companies involved with the fraud were XXXX XXXX XXXXXXXX for {$16000.00} first then XXXX XXXXXXXX XXXX  for an unauthorized credit card account, both of the institutions quickly closed the accounts and posted as fraud to all three of the credit bureaus and then a XXXX account was reported as delinquent for some {$200.00} that they determined was fraudulent and corrected quickly as well along with reporting to all the Bureau 's XXXX XXXX and I have been working with Equifax now since XXXX of 2023 providing all requested information to them that they asked for to resolve the issue. They removed the account but not the " Hard '' inquiry. They continue to say it is legitimate and that I have to go back to the original company, XXXX XXXX XXXX and have them resolve it. I recieved a letter back from XXXX XXXXXXXX XXXX  and also provided this letter to Equifax obsolving me of this fruad in XXXX of 2023. Equifax will not budge. When they remove the 'fraudulant '' account they should have removed the " Hard '' inquiry at the same time. This has caused me serious stress and wasted way to much of my time. Please help me get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
On XX/XX/XXXX, my TransUnion credit score increased by XXXX points. However, on XX/XX/XXXX, it dropped by XXXX points. Notably, there were no new factors mentioned during this period.

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 2023-12-02 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: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-02 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: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: MO

Complaint narrative:
I moved from XXXX XXXX XXXX  in XXXX and had XXXX XXXX XXXX on my house that I was renting. I moved into my in-laws house in XXXX of XXXX. Called XXXX multiple times and told them I dont have a house of my own to put the system on. XXXX was okay with that as long as I was paying my security equipment loan. I paid the loan off in the middle of XXXX. Two months ago I got a text message out of the blue saying I owed {$1700.00}. I called the number to find out what the issue was. They said that XXXX had sent me into collections. I havent heard from XXXX since XXXX and now it has hit my credit with a Derogatory mark and lowers my score by XXXX points. I was never notified of a debt of that amount and furthermore was never provided any notice that I would be sent to collections. This debt needs to be removed from my credit report and the collection account closed. I do not owe it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: MOHELA
State: GA

Complaint narrative:
Mohela is my loan service for my student loans. My income driven repayment income renewal date on the Mohela website is XX/XX/XXXX ( or XX/XX/XXXX depending on where you look on the website ). According to studentaid.gov ( representing the Department of Education ), the earliest you renewal date can be is XX/XX/XXXX. If your renewal date is before XX/XX/XXXX, your date gets pushed out a full year. This can be found under the " Income Driven Repayment '' section of this webpage : https : XXXX I called Mohela XX/XX/XXXX to confirm I would then renew XXXX of XXXX. The customer service agent had no idea what I was talking about and gave me the run around giving a lot of excuses that made no sense. I told her I needed her to talk to a supervisor since she wasn't aware of the rule at all. After talking to said " supervisor '', she starts telling me that date listed as my IDR renewal due date is just a 60 day notice and that my renewal is actually in XXXX. This was so interesting that she and her supervisor came up with this after I told them about the rule above- when I first brought it up they did not even know it existed. I told her that was awfully coincidental and suspicious that all of a sudden thats not my real renewal date and it just happens to be actually in XXXX and that I needed the website to reflect that if that is the case. They are telling me that they can't do that. 

I then told her I needed to speak directly to a supervisor. I was " approved '' to do this ( what?? ) and sat on hold. About 30 minutes later a supervisor picked up, I told her about my renewal date and the info on studentaid.gov. She said she wasn't aware of this rule and would look into it, putting me on a brief hold. I then sat on hold for the next 3.5 hours before the phone got disconnected. I tried calling back and long story short got disconnected again after about an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Someone stole my credit card information and made purchases on XXXX through her XXXX account. I called XXXX and I found out that the person who used my information without my authorization was my ex girlfriend where we broke up 2 years ago. I haven't seen her since then and I've never gave her my credit cards or authorized her to use my cards. I already filed a police report and an FBI report against her. Also I have an appointment with a lawyer next week. I contacted CITI to dispute the charges and they sent me a letter where it says that I knowingly provided access to my financial information, including credit cards and bank accounts which implies the authority to act on my behalf. They're asking me to pay otherwise they'll report my account.

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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a delinquent account with capital one in my credit report. The account doesnt exist, I called them to verify I wasnt missing something. XXXXXXXX XXXX  and XXXX reported the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XX/XX/2023 I had a credit of {$2100.00}, but then in XXXX it was removed, need to know why and no one could tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act has been infringed upon by XXXX  about Account Number XXXX, thereby violating my rights. 

According to 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy rights.

Furthermore, under 15 U.S.C. 1681, Section 604 ( A ) ( 2 ), it is stipulated that a consumer reporting agency is prohibited from providing information about my account without receiving my explicit written consent.

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