vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: CO

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Hello and thank you for taking the time to help out with my account I had processed a payment for the past due balance of {$1600.00} on XXXX XXXX, XXXX  Payment Amount : Payment Date : Authorization Date : Payment Account : Confirmation Code : {$1600.00} XX/XX/2024 XX/XX/2024 XXXX XXXX BMW  notified me the payment was returned however the payment was posted on my XXXX XXXX personal checking account? 

I filed a CFPB with XXXX XXXX and their executive team responded with the Confirmation of Payment page that shows BMW was indeed paid the {$1600.00} yet the balance is still present on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Original XXXX payment calculated at {$2200.00} at home purchase date of XX/XX/XXXX. XX/XX/XXXX prorated annual tax payment of {$2500.00} made from Escrow account. 
Upon incorrect review of escrow by company payment lowered to {$2000.00}. 
upon annual review of escrow in XX/XX/XXXX the company ( XXXX XXXX / Lakeview ) incorrectly viewed annual property taxes as {$2500.00} which they paid in XX/XX/XXXX not understanding that XX/XX/XXXX payment was a prorated payment of 4 months taxes from XXXX when the home was purchased. 
In XX/XX/XXXX XXXX XXXX / Lakeview claimed to refund {$5700.00} from the escrow account as a " Surplus Refund ''. They did not. I never received such a payment. 
XX/XX/XXXX XXXX XXXX / Lakeview paid the annual property taxes of {$7200.00} putting the escrow account into deficit according to them. The incorrect tax calculation caused a reduction of the PITI payment in XX/XX/XXXX to {$2000.00}. 
XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX / Lakeview claims a {$6200.00} escrow shortage and raised the monthly mortgage payment by 50 % to {$2900.00}. 
I called them around XX/XX/XXXX to correct the problem. They claimed they would return the non-received escrow payment of {$5700.00} to escrow so that it could be applied to the shortage. A new payment of {$2500.00} would be required and I would receive an updated escrow review. The updated escrow review from XX/XX/XXXX lists a required payment of {$2900.00} and does not list the escrow non-received funds of {$5700.00} as being returned to the 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
FTC IDENTITY THEFT REPORT # XXXX This is not proof that I owe this debt. This is result of identity theft. You can not provide proof or evidence that I in fact owe this debt. Providing statements and a contract without my signature is not proof that I owe this debt. I do not acknowledge this debt and I will not pay this debt. Attempting to collect on a debt that is expired is only proof of your company trying to hurt my consumer report intentionally with derogatory information. I have admitted this debt is not mine and that the burden of proof lies on your company. I have not acknowledged nor will I pay this debt. You will not receive monies from me for a debt I do not owe or obligated to pay per statute of limitations in NY. So any further collection attempts is only further proof of my previous claim. This is defamation of character. Where is the proof that I opened this account and owe this debt? DELETE THIS INFORMATION immediately MIDLAND CREDIT XXXX {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
I've recently checked out my credit report and noticed that there is incorrect information 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 2024-02-19 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: FL

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove this false account from my credit history. I never approved of its production or use. I've included the required paperwork to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
# XXXX XXXX I received above letter which states facts from Chase XXXX but does not match with statements amounts of credits and rebills Chase states XX/XX/XXXX credit {$60.00} ( where? ) just see {$130.00} on XX/XX/XXXX XX/XX/XXXX rebill {$60.00} ( where? ) XX/XX/XXXX I paid {$60.00} ( not mentioned by CHase XX/XX/XXXX {$60.00} credit courtesy Here is what I see in statements : XX/XX/XXXX statement : XX/XX/XXXX rebill {$49.00} XX/XX/XXXX statement {$130.00} charge XXXX XXXX XXXX {$130.00} I have to search statements as credit and rebills are all over the place in different statements running a years time I ask CHASE to clearly highlight all credits and rebills to arrive at a final credit 0f {$60.00} This will clearly show me proper math of zeroing out rebills and matching credits given without obsfugation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wanted to proactively reach out and report one transaction as fraud My team and I reviewing transactions and notified a transaction from XX/XX/XXXX or XX/XX/XXXX The transaction was from XXXX for {$1200.00} I filed a police report for this transaction and just wanted to ensure it gets the right resolution and credit applied 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Date : XX/XX/2024 To : Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Re : Request to Remove Security Freeze - Dear Clarity Services, I am writing to request the removal of the security freeze placed on my file on. I understand that a security freeze helps protect my information, but I now need to apply for Wireless Service. 
Please find enclosed copies of the following documents as verification of my identity : Government-issued ID : State ID with the number [ ID number ] Social Security card ( XXXX ) Proof of address : Please remove the security freeze on my file as soon as possible. I understand that it may take up to 10 business days for the freeze to be lifted. 
Please let me know if you require any further information. You can reach me at ( XXXX ) XXXX or XXXX. 
Thank you for your time and assistance.

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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
am writing to dispute an inaccurate entry on my XXXX credit report. There is an account listed under the name " LVNV Funding LLC '' that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the LVNV Funding LLC account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
Please take this inaccurate account off of my credit record. I never authorized its construction or use. The supporting documentation for my claim is included.

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 2024-02-19 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:
Please take this inaccurate account off of my credit record. I never authorized its construction or use. The supporting documentation for my claim is included.

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 2024-02-19 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: NJ

Complaint narrative:
Dear Experian Dispute Center, I am writing to formally dispute several inaccuracies on my Experian credit report. I request the immediate removal of the following accounts, as they do not belong to me XXXX XXXX : XXXX XXXX XXXX : XXXX I have never opened any accounts with these names and have no knowledge of their origin. These inaccuracies are damaging to my credit score and must be corrected promptly. 
Additionally, I dispute the late payment status listed for my XXXX XXXX XXXX account XXXX to the best of my recollection, I have always made timely payments on this account. Please investigate this discrepancy and consider my statement when updating the account status. 
For your reference, I have attached copies of the following documents to support my dispute : A government-issued photo ID ( driver 's license, passport, etc. ) A recent utility bill or bank statement I kindly request that you investigate these inaccurate accounts and update my credit report accordingly. Please inform me of the progress and outcome of my dispute within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). You can reach me at ( XXXX ) XXXX or XXXX. 
Thank you for your time and attention to this matter. 

Sincerely,

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 2024-02-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Equifax in resolving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Sunbit, Inc.
State: DE

Complaint narrative:
In XXXX, 2024 I noticed fraudulent purchases on statement and notified credit card issuer. I was advised card would be closed and new card issued. 

In XXXX, 2024 new statement was released and charges again reflect similar to XXXX, consistent with reported fraudulent purchases. 

Credit Card Issuer, did not remove interest rates for the fraudulent purchases and I have requested monthly payment be delayed to allow opportunity to insure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
Prior to MOHELA becoming my loan servicer, I expressed concerns related to the failure of the Dept. of Ed. to recognize my full time employment with the US Dept. of Homeland Security ( TSA ) and certify the months of XX/XX/2018 and XX/XX/2018. 

I have provided a W-2 and paystubs that indicate beyond doubt that I worked the required hours for a qualified employer. 

My loan servicer is now ( and has been for quite some time ) MOHELA and after numerous requests sent to them to address this issue- they have finally responded, only to state that I need to return to my previous servicer. 

Unacceptable! 

MOHELA is my servicer, and the servicer for PSLF, and they need to make this correction. 

I am only asking for what is just, proper, and right - to get credit where credit is due. I worked full time for the government and I can not believe I must go through such efforts to fix this error. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
This has been on going since the beginning of 2023. 
Some of my payments go to the balances shown online. Some of them go to an unknown balance from an unknown purchase. Currently my current balance is XXXX. Yet when I count up my standard purchase accounts, the total is XXXX. These accounts accrue interest monthly, which is typically reflected. The problem I have is why does my balance show XXXX, yet my accounts total XXXX? I get the run around when I call and get different answers. Yesterday they told me it is from a promotional balance that wasn't fully paid off. But none of that is reflected on my account page. 
Previously when I had promotional accounts, the last XXXX months of payments before the promotion expires, the payments are supposed to go directly to the most recent due promotional account. Minus the minimum monthly due. They have not applied 50 % of the past years worth of payments correctly. When I call to have them allot the payment to that specific promotion ( which it's in there rules to do ), they do not apply it correctly. Causing me to have to email them to fix it. If they don't fix it, I would be late in paying that account on time and charge me interest. 
90 % of the time I call, they try to gaslight me and never give me the same information. I am paying off my balance today so that I do not have to deal with this fraudulent company again. I want other people that deal with Synchrony Bank, to verify your account monthly. Because they will take advantage of you any way they can.

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 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I have talked to the company in regards to missed payment. Signed a deferment but still owed {$160.00}. Onemain financial calls XXXX times a day, 6 days a week from random numbers, sends emails, text " reminding me that my car is on the loan and could be taken '', sent a letter to my home that you could see through the address portion the letter was for missed payment. This is crazy and causing added stress as I am working to pay my bills. I can also submit phone records to show reptitive calls on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Open Dealer Exchange, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXX westside dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.

Company response to consumer: Closed with explanation