vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
Good Afternoon, I am a homeowner in XXXX XXXX and need help with my lender. I bought my house in XX/XX/XXXX with an FHA XXXX loan program. At the time I was working at a XXXX XXXX as an XXXX XXXXXXXX. In XXXX of XXXX I lost my job due to the COVID pandemic. My lender offered a forbearance during the time I was not able to be employed. When the pandemic was abating, my lender then asked me to pay back all of the missed payments in a lump sum or offered to refinance which would also give me a lower monthly payment. I did not have the money to pay the lump sum and was not able to resume working as an event manager at that time so I chose the refinance option. However, I now have paperwork saying that in addition to the missed payments, I owe an additional {$27000.00} over and above the missed payments due to the refinance. I was never informed about the additional money that would be owed and would not have been able to avoid it anyway as I did not have the money to pay the lump sum of the missed payments. Now due to escrow and the rising costs of everything, my monthly payment is higher than it was before the refinance in XXXX. Is there anything I can do about my monthly payment and/or the additional {$27000.00} that has been added to my amount due. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>, made a purchase through Paypal ( synchrony Bank ) for an XXXX item. 

Purchased additional shipping protection for any damages. 

The item arrived damaged but was accepted. 

I contacted the seller regarding the issue, but there was no resolution. The seller would not honor shipping protection nor rectify the damages. 

Contacted PayPal and opened a claim against the seller. Paypal found in favor of the seller. 
I reopened the claim ( I believe ) 6 times with the same result. 

I am left with a damaged item and no resolution to make it functional.

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 2024-02-28 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 XXXX 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

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 2024-02-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my Experian credit report. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
during the month of XX/XX/XXXX i had XXXX XXXX  XXXX as my internet provider from the affordable connection program and they got there payment from them. on XX/XX/XXXX i return there modem to them and on XX/XX/XXXX i had XXXX as my internet provider. XX/XX/XXXX or XXXX XXXX i filled a claim against XXXX XXXX XXXX for unauthorized of {$34.00} from my checking account and my bank refunded me back into my account on XXXX XXXX XXXX {$34.00} from my claim on XXXX XXXX XXXX. then on XXXX XXXX XXXX the bank took back the {$34.00} and refunded XXXX XXXX XXXX. i requested to the bank proof that i sign a document for XXXX XXXX XXXX to take out fees for there service but at the time i had the affordable connection program during the month of XXXXXXXX XXXX  XXXX and i told my bank i have documents when i return the modem to XXXX XXXX XXXX and when i got service with XXXX from the affordable connection program. i talk to claims on XXXX XXXX about this problem and rejected me to show proof of the documents i had with XXXX XXXX XXXX internet. as of XXXX XXXX the bank still has not refunded my {$34.00} back into my account. the representative that i talk to on XXXX XXXX was rude to me and my wife and the supervisor on XXXX XXXX was very not helpful in the matter except all she did was listen to my complaint of the problem and did nothing.

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
i never opened this card balance {$480.00}

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
i never make this card. somebody make this id theft

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 2024-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The lender conducts very predatory and malicious acts. The lender failed to mail notice/information regarding right to redeem the vehicle and list the outstanding balance, fees, and issues that must be satisfied including the deadline. The lender failed to provide the notice once the vehicle was auctioned with the amount sold or recovered from sale. The lender reports interest monthly increasing the amount of debt each month to credit bureaus despite the account being closed. They lender is reporting inaccurate data to credit bureaus monthly. The lender flags the account monthly to credit bureaus despite the account being closed in 2020. The lender is violating every single FCRA law and needs to be penalized for such offenses.

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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received a letter stating that " this is an attempt to collect a debt ''. The debt involved is a loan payment. The payment is not due until XX/XX/year>, which is clearly stated in the letter. I am current with the loan. This does not become a debt until XX/XX/year>. The company sending the letter has collected the previous two payments through automated payments. I called the company and told them what my problem with them is. I was told it was due to an automated system. As I told the person I spoke to the automated system did not automate itself. Sending a letter indicating that they are attempting to collect a debt before it is due and already collecting on the debt through automated payments is harassment. I was told that they sent this letter to everyone. Just as I pay a penalty when I am late, they should pay a penalty when they are early.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And one more thing according to 15 USC 1681s-2 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I made multiple student loan payments from my bank account or through debit card payments from XXXX all the way through XXXX. So when I heard of the cares act that president Biden announced that I would be able to get refunded for payments made during the pandemic, I say this is great. Seeing as it was a very tough time at the time and I still tried my best to make those payments. I made a few calls to my student loan servicer who at the time was Great Lakes borrow services. I contacted them to get more information on this matter and also to ask about the initial student loan forgiveness plan that the Biden administration tried to get to pass before the Supreme Court shut it down. In those conversations I made it clear that I was requesting a refund for those amounts, it was so clear that the person I spoke to multiple times broke down exactly how much I would receive back in refund. Well it is now XXXX and still have not received a refund. My loans were transferred to a new borrow derive named nelnet. Once president biden announced he would forgive more student loans through the save plan, Ive called in multiple times to see whats going on with the process. Today I called to get more information because only some of my loans were forgiven and I still have a balance on the account, Im the process of asking these questions I also asked about the pandemic cares act refund that I should have received. Being that I didnt originally start my loan with nelnet XXXX wasnt sure what steps I can take. They then confirmed that they have correspondence from my former student loan servicer but that they did not see where I requested a refund. They said that they only see I requested a refund through the Biden XXXX or less plan or something like that. So you can see how shocked I was to hear this when I clearly made it abundantly clear that I was requesting a refund with my former student loan servicer. Im so distraught I dont know what to do. I made it clear that I requested a refund and now theyre telling me that I requested something else. This is the worse experience Ive ever had with a loan servicer and now theyre refusing to process any kind of refund this is terrible and unconstitutional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
As I was going over my credit report I noticed that my account was not being reported accurately. I have a late payment being reported that was paid on time. Consumer credit agencies are required to report complete and accurate information. Im attaching proof along with this complaint showing that I did in fact pay my account on time. The date in question is XXXX. Based on the proof submitted, youll see that XXXX and XXXX both reported accurate information. Information that the account was paid as agreed. I request that you investigate this matter and provide official documentation showing that I made a late payment. When this information cant be verified, I demand that this payment be reversed to paid as agreed paid on time immediately. Your prompt action in this matter will be greatly appreciated. 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 2024-02-28 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: MO

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. With FTC report Here are the inquiries listed below. 
Account Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 explanation
Consumer complaint received 2024-02-28 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this identity theft report in response to the derogatory remarks that JPMCB CARD ( CHASE ) and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with CHASE BANK. However, JPMCB CARD ( CHASE ) is reporting a fraudulent account to the credit reporting agencies with a balance of {$20000.00}. Immediately after I noticed this account, I contacted CHASE BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that CHASE BANK can remove the fraudulent and derogatory remarks they report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I moved out of my apartment complex, The XXXX Apartments, in XXXX, OH on XX/XX/XXXX. Upon leaving, we were told we would have a final payment owed that included a final electric bill. The amount originally owed was XXXX, I called after the first week we moved out and they adjusted that price down to {$210.00}. I paid that amount via check ( that I have receipt of ) on XX/XX/scrub>XX/XX/2024. That would be on day 87, well within the threshold of 90 days that I was given by the XXXX to make that final payment. I have a ledger balance of {$0.00} on MY END through the payment portal, and I have confirmed with the XXXX 4 times that I was squared away and had paid on time. The XXXX even sent me a ledger on THEIR END displaying a {$0.00} balance that I owed. Surprisingly though, I received an email from National Credit Systems onXX/XX/2024 stating that I " have not made suitable arrangements to satisfy this debt owed ''. They clearly had not checked with the XXXX at all whatsoever. I immediately sent a dispute to this email from National Credit Systems stating I am not responsible for any of the debt referenced. I also requested that if they believed I was responsible for this debt, to mail me the documents proving this. I received NOTHING from National Credit Systems and instead checked my credit report this morning on XXXX to see I had dropped XXXX points from almost perfect credit, to just good credit. This is going to have a huge impact on me, as I am desperately trying to secure a loan to purchase my first home.

Company response to consumer: Closed with explanation