vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Great Lakes ( XXXX XXXX  ) transferred all consumers to nelnet ( XXXX  ) in XXXXThe last time XXXX  reported to XXXX  was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX  report are still reporting a balance as well and the new XXXX  loans are reporting a balance. I confirmed with XXXX XXXX  that my loan balance with them is XXXX yet XXXX  has been reporting a balance of XXXX from XXXX XXXX  it has been 4 months since the transfer and they have not updated with XXXX. I was unable to get a home equity line of credit because my XXXX  score was XXXX XXXX  to low. Undoubtly caused by the XXXX XXXX  misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXX XXXX  they dont actually owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX We are behind on our mortgage payment because the high payment from new modification we were forced to except last year by Fay servicing to avoid losing our home and this problem its going since XXXX With Fay its a long story with couple different attorneys. 
So we received a demand letter from Fay to pay XXXX to cure our mortgage account and we got the money together try to pay but Fay blocked us on line and phone from making the payments and we only have till the XX/XX/XXXX to pay. 
Finally about the last week of the month of XXXX I was able to speak to My Account Manager and she make me email her a letter from each attorney I had in the past that Im not longer represented by the Even bankruptcy attorney from last year, which is was dismissed and done. By XX/XX/XXXX she got everything she needs and she still wont take my payment over the phone and I called on XX/XX/XXXX and she said no the balance is higher now I said how todays is XX/XX/XXXX it the last day for us to pay or we will lose our house and my account manager didnt care she said she had to get the new balance. 
XXXX we received certify mail from them telling us they trying to reach us for a long time by phone and mail, and was no success to talk to us witch is not true because I was calling every day. And today XXXX I called my account manager and she said now your balance is XXXX because of fees was added to my accounts XXXX fees??????? 
Now I have to file bankruptcy chapter XXXX this week to prevent losing our home. 
I have proof with all the phone calls and documents I received and I contacted local channel news to do investigation on our situation because its been going for a long time since XXXX it was just a small issue back in XXXX. Also we applied for modification and help until now. We havent got an answer of denial letter in the mail or email him now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery filed a lawsuit against me in the amount of XXXX without notice or even responding to my letters requesting validation of the debt and name of the creditor it brought the debt from. I notified them by certified mail on XX/XX/2023 and sgain XX/XX/2023. No answer to my request and the law suit is set for trial XX/XX/3023. I never received notice of the law suit except letters from attorneys offering their service to defend. The case XXXX for the suit in XXXX XXXX XXXX XXXX is XXXX. They are seeking a judgement in the amount of XXXX plus court cost sites I not willing to pay. Pay who?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Discover Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Where do I begin.. I opened a loan with XXXX XXXX for an XXXX in XXXX of 2022. After XXXX days with the loan open, I had cancelled with dentist and loan company, as well as did not pick up the product. The loan company was bought out by Westlake Portfolio Management. I have called multiple times and was told my account had been closed, but that was never the case. I had found out recently when being pre-approved for a mortgage that my credit score dropped over XXXX points for delinquency. I called the loan company, and they told me that they could not make any changes and to contact all three credit bureaus. 
I have put in numerous disputes and Westlake Portfolio Management is providing the credit bureaus with false information. First off, my loan was for an Invisalign ( not auto loan - I would like to report fraud ). Second the account was supposed to be closed of XX/XX/2022 not XXXX of 2022, again fraud. Not happy when my credit score is affecting my life before getting married and purchasing a house. I know that this company has been reported before so I figured this process would be simple, but it has been rather frustrating. I need these delinquency marks to be removed from my credit score as they should not have been there in the first place. 

Also, every time I ask for written confirmation, they refuse to give it so I can not provide supporting documents to the credit bureaus.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) BRCLYBANKDE ( XX/XX/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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
principal reduction not applied correctly, overcharged interest, see attached document for details requested an audit, got nowhere with request, refused to audit account pg 4 shows where the errors are, with marks in the margin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
This loan was previously with Springleaf, acquired by OneMain Holding , Inc. This is a trailer that was originally purchased in XXXX. This loan was paid off in XXXX with OneMain. After paying the loan off we were told by OneMain that we had missed payments and therefore we would need to keep paying although we disputed this and when asked how much longer we would need to pay OneMain would not give us a date and told us they would let us know but in the meanwhile just keep paying. We are XXXX  XXXX Americans and the original account holder will be XXXX ( XXXX ) XXXX XXXX next year, the joint account holder is in his seventies, as well we are XXXX and on a XXXX income. We felt as if we were being taken advantage of due to our age and just not knowing how to handle the issue or who we could turn to for help. We never received any documentation from OneMain to sign or give us the details of the claimed missed payments. Over the course of almost XXXX XXXX, we have asked many times when we will be done paying this loan and we never get specific answers, nor have we ever received anything in writing. We are paying XXXX percent interest on this loan, which is very high. In XX/XX/XXXX we were told by OneMain that we had not made our XXXX, XXXX and XXXX ( XXXX ) payment although all payments had been made. We finally confided in our daughter who asked that we call OneMain and give her permission to speak with them to help us get the necessary answers needed. We contacted OneMain in XXXX with our daughter conferenced on the call. When asked about the missed payments for XXXX XXXX the representative ( XXXX XXXX stated that the payments had been made but that they were delinquent due to missed payments in XXXX XXXX and XX/XX/XXXX which was the first time this had been brought to our attention. When asked who the CFO or CEO XXXX was placed us on hold and refused to tell us only saying we can speak with the XXXX. Our daughter told the representative that their practice was predatory and that they had violated our rights. We have the receipt showing the payment made from XXXX XXXX. In XX/XX/XXXX OneMain offered to give us what they called a " Settlement '' option to resolve payments that we had made although they were claiming the payments were never made from XXXX and XXXX which they counted as the XXXX, XXXX, and XXXX payments of XXXX. We don't have any idea what type of loan this is that OneMain has us in because we have only received statements. We need help. We feel as though we are and have been the victims of unfair, predatory as well XXXX abuse treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
An inquiry from Capital One has appeared on my Credit Report once again and I haven't applied for credit with them in years. 

XX/XX/2023 I was notified and called XXXX and was told to contact the FTC to file my complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
My mortgage loan was sold and the transferred account balances are very wrong. The transferred loan does not show the correct payments and escrow balances. The balances are off by more than {$5000.00} at least 1 payment of {$5000.00} has been been credited to my transferred loan. I should not have had 1 early payment applied to the escrow account as well. 
Either Loandepot.com is trying to take my money or did not appropriately plan for a successful data transfer of account balances to the mortgage servicer, LoanCare.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
Good Afternoon I am submitting a complaint against CitiBank and XXXXXXXX XXXX XXXX 

I had placed an order with XXXX XXXXXXXX XXXX  and the company was non responsive with the order processing, I sent a cancellation request to the company and order the pergola curtains with XXXX. The package from XXXX arrived, however a second package arrived and unbeknownst to me was placed in my garage. I received an email from a XXXX XXXX XXXX informing me that the goods were sent. I then searched my house and discovered it was placed in the garage. As per XXXX XXXX instructions the goods were returned via XXXX on XX/XX/2023 to an address he provided via email. I put in a dispute request for a refund with Citibank before the money was released and Citibank refuses to refund my $ XXXX goods that were returned to XXXX XXXXXXXX XXXX 
Citibank reason for not refunding me my money, the company stated I never cancelled the order but the company has the goods. 

Your assistance will be greatly appreciated.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX ( XXXX XXXXXXXX ) transferred all consumers to XXXX ( XXXX  ) in XXXXThe last time XXXX reported to experian was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX report are still reporting a balance as well and the new XXXXXXXX loans are reporting a balance. I confirmed with XXXXXXXX XXXX that my loan balance with them is XXXX yet experian has been reporting a balance of XXXX from XXXX XXXX  it has been 4 months since the transfer and they have not updated with experian. I was unable to get a home equity line of credit because my fico score was XXXX point to low. Undoubtly caused by the XXXXXXXX XXXX misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXXXXXX XXXX they dont actually owe

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