vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XXXX I discovered fraudulent activity involving my name thru numerous bills and other documents being delivered to my address claiming I own a vehicle that I never purchased or drive. Im also receiving tolls and a poor credit score because of this problem. I asked the company on a numerous of occasions to have my name taken off that account or I will press charges they agreed to disagree and I now have the police report to prove my innocence. And will go further with the law in order to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
It is now XXXX XXXX, XXXX, NewRez Mortg offers a change in payments in regards to monthly vs biweekly. The form is impossible to find which means you have to call. The ONLY people you can speak to are initial customer service reps. Any other department the customer is refused a transfer. The offer is to USPS mail any paperwork or fax. The mortgage company is capable and does electronic drafts so why can't a customer access any modern day business industry standard communication. The company either misplaces your expected email or doesn't receive the forms you are trying to provide. Changing my payments to biweekly has taken me over two months with REPEATED requests and followups on my end only. I do not know how the lack of electronic access has impacted other customers but it is frustrating and should be considered an unacceptable business standard. The only email the customer receives is a vague appreciation for contacting the business with no follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/23 signed up for TJX Rewards Platinum Mastercard ( last XXXX XXXX ), but did NOT use at checkout ( XXXX, North Carolina location ). 
Did not receive the credit card. Instead, received at letter from Synchrony Bank dated XX/XX/23 indicating there was a charge to the account, but they believe it XXXX not be me. " With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges. '' I called the number listed on the letter ( XXXX ) on XX/XX/. Spoke to XXXX in their Specialty Department. Account was " compromised ''. They would handle it on their end, close the account, and not to worry about it. Will receive a confirmation in 7-10 business days ( did not receive ). 
XX/XX/23, XXXX, I called back and spoke with XXXX XXXX She confirmed the account was closed, but the charges were still there, including late & interest fees. I was transferred to XXXX, Acct Mgr in Fraud Dept. Investigator assigned to me. To clear all, receive confirmation in mail ( did not receive ). 
XX/XX/23, I had not heard or received anything from them. I filed a complaint with XXXX. 
Then they closed account, but left the balance with interest and late fees accruing. They are texting and calling me while I am at work. Not me, never used, they can't follow through with what they said they would do. They should listen to the recorded calls!

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 2023-09-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-15 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: MI

Complaint narrative:
For the past week since XX/XX/XXXX I repeatedly called MOHELA requesting why my payment amount when from ~ {$500.00} to XXXX per month. I am currently on an income based repayment plan and was automatically switched to SAVE from REPAYE. After this switch the payment amount changed. Multiple people at MOHELA have said it is a glitch without giving any actual information as to why this happened and how it can rectified. The SAVE program if anything should have a lower payment than REPAYE not a 3x higher payment. They kept asking me for my income information over the phone and I refused because I am not scheduled to give my new income recertification until XX/XX/XXXX and I DO NOT want to recertify until I have to. They will not or can not even tell me what information the new payment amount was calculated using. This glitch they keep referring to is given no good explanation or timeline as to when it will be fixed. They said they would submit an IDR request to have the payment switched back to what it was with REPAYE but that should technically not be possible given it does not exist anymore so I am not sure what they are doing. Regardless they have been entirely unhelpful and almost purposely deceitful trying to get my to do a recertification many months before I am scheduled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Submitted my SAVE application XX/XX/XXXX was told 10 days for processing. No word or updates. I called on XX/XX/XXXX at XXXX. Was on hold for XXXX hours. Finally spoke with someone. She said it was still being processed. Today i get an email about my loans going into administrative forbearance. I thought that was strange so i logged into nelnet. My payment has gone up {$600.00}. I barely make {$50000.00} a year. Where is my SAVE application? How am i expected to make this payment? I have a job and had to take time away Wednesday to call. Am i supposed to take more time/money away to call for a 2nd time? Ive sent several emails with an automated response. This is ridiculous. Customer service is terrible. Making someones payment {$600.00} more without notice or an explanation is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Torriere Holdings INC
State: GA

Complaint narrative:
XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for SRS is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website XXXX XXXX Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You may also contact our office at XXXX or chat with us on our website. 

View your secure message in two ways From the Spire Recovery Solutions Mobile app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Over XXXX was taken from my account and I had to make claims because they kept missing out on everything and didnt want to give me my money back when my phone was stolen and someone had access to all my information

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 2023-09-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX  XXXX bankruptcy, 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 non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
I received several phone calls from this collection company along with my mom about this debt. I have a voice message stating that they were contacting my job. I had a loan originally with XXXX XXXX, but they sold my debt to a collection company. I spoke with this collection company and asked for information about this debt, but all they kept telling me was I was going to court. I called a second time and the young lady wouldn't provide me with the name of her company, All she kept saying was the name of this company is called " XXXX '', I asked her for more detailed information and she would not provide it to me. I asked if they could mail me information about this debt to my home and they refused. The young lady even told me that they were no longer interested in payment, but I was confused as to why she was contacting me if you did not want any payment. On XX/XX/2023, I called XXXX XXXX and spoke with a representative who was able to give me that collection company 's real name. The debt collection company 's name is Reel Time Capital, LLC. There is no way you can tell me I owe a debt, but you're not able to provide me with anything in writing. I think this company is committing fraud and using bad collection practices. All I wanted was for them to be honest and provide me with more information, preferably in writing. That is the only method of communication I am open to having with this company if they're legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
My credit card was cancelled due to a fraud complaint, and a new replacement card was issued. So far, so good .... 

The problem is that in less than two weeks, two merchants who had the OLD card number were permitted to charge to the NEW card WITHOUT my permission. In one case, the merchant never had permission to do recurring billing. In the second case, I had granted permission for recurring billing, but was having trouble canceling. In both cases, I anticipated that my trouble with the merchants would be fixed as a side effect of the fact that the card they were using was CANCELED. 

But this is not what happened. Instead, they were allowed to continue charging the NEW card. I asked the company to explain how this could happen, and they were evasive at best. They said they would " look into it, '' but this is an unsatisfactory response given that the NEW card was less than two weeks old. It feels as if there must be some unacknowledged " back channel '' way that new card information is shared to merchants who do repeat billing. I understand that in some situations this may seem like a convenience to customers, but the lack of transparency is disturbing, and may be causing a lot of unauthorized transactions completed without consumer awareness.

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 2023-09-15 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:
On XX/XX/2023 I was charged {$770.00} by XXXX XXXX XXXX XXXX in XXXX XXXX. When I later arrived home a few days after, I reviewed the contract with the company where I had purchased their Total Protection Package and realized I had been overcharged {$400.00} as a towing and rescue fee when it was supposed to be included in the package purchased. I have contacted XXXX XXXX XXXX XXXX to refund me the {$400.00} that had been overcharged, they keep stating the policy is invalid due to negligence, but nowhere in their policy does it state that a policy becomes invalid due to negligence or under the exceptions that towing and rescue would need to be paid for if negligence was the issue. I contact Chase Bank in regards to the situation and they denied my dispute because the company sent a signed invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief