vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.

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 2023-08-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX FROM : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX TO : EQUIFAX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX USPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : SETTLEMENT OFFER FOR CASE NUMBER : XXXX DEAR EQUIFAX, You have broken the law by knowingly and willfully obtaining, possessing and reporting information that has resulted from Identity Theft as defined in 15 USC 1681a ( q ) ( 3 ) & 18 Pa. C.S. 4120. I have made multiple attempts to resolve this matter with your agency privately, but my private complaints have been ignored and mishandled. Due to my unsuccessful attempts I have been left with no other choice but to file a lawsuit against you on XX/XX/XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE SEE ATTACHED SUMMONS ). I am attempting one last time to resolve this out of court, but if we can not come to an agreement, I will see you in court on XX/XX/XXXX at the hearing. 

If you would like to settle this matter out of court, you must comply with the following : Permanently delete the following accounts from my consumer report and send proof in writing that you have done so to the mailing address attached as well as email : XXXX within 5 business days from the receipt of this notice : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY REFERENCE XXXX XXXXXXXX -INQUIRY - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX In exchange for your expedited and full compliance of the above offer, I will withdraw my claim and or file a motion to dismiss with the herein mentioned court. I look forward to resolving this matter amicably. You may contact me at : XXXX if you would like to discuss this matter further. 

If I do not hear from you within 7 days of the receipt of this notice you leave me no alternative but to move forward with the lawsuit already filed against you in which I intend to seek redress in the amount of {$5000.00}. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
I called all reporting credit transunion, & only advised to speak to the creditors and did not offer any other assistance. I have fraudulent inquiries reporting to credit bureaus not authorized or done by myself these inquires are negatively affecting my credit score putting me in a financial bind .The following fraudulent unauthorized inquiries are listed by name and date of occurrence. total of 14 inquiriesXXXX 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

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 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/ and I have not received any correspondence back from XXXX XXXX  This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.

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 2023-08-28 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: MS

Complaint narrative:
On XX/XX/ I mailed XXXX XXXX XXXX a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX  This letter was delivered to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XXXX XXXX XXXX  and I have not received any correspondence back from XXXX XXXX This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX  NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
My XXXX account was hacked and money was transferred out of my checking on XX/XX/23. I notified my bank, Regions Bank, IMMEDIATELY and asked them to place a hold/freeze on the account so that XXXX could not take out funds. Regions does not have any agents working on the weekends that can tend to bank needs. Everything has to wait until Monday ( this is the first bank I have ever heard such an absurd thing ; most had fraud departments to help 24/7 ). Come Monday, the funds had time to process and Regions says there is nothing they can do.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have three American Express card that i made timely and perfect payment. Then i tried to made payments 2 out if the cards and tried to make a third payment thee app told make no payment was due. Then i called the customer service they confirmed that no payment is due. 
By 5 days the Amex closed all three accounts and i filed a complaint they agreed that it is an error and not my fault. 
Now they charged of the accounts and illegally charged my XXXX XXXX XXXX account that caused {$780.00} with of insufficient funds fees by my bank that reported on my XXXX  Amex incorrectly put a {$0.00} credit limit on the closed account and then keep changing and charging the balance to reflect additional settlement late fees eventhough there was no settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: EdFinancial Services
State: MA

Complaint narrative:
I pay {$2600.00} per month on student loans. They just doubled my payment to {$5300.00} in error. There is a 4 hour wait for a return call and I have done this 3 times. Their email does not work. The online chat disconnects me each time. 

This treatment is illegal. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
International money remittence for amount of XXXX was initiated on XX/XX/2023. 
After waiting for 7 business day ( XXXX as k for 4 days ) I reached out to customer support center requested for status update since XXXXXXXX XXXX was show transaction completed but the recipient never received the money. They requested recipient account details and bank statement to show that money was not received. Which was shared within days. 
I was told thirdparty bank confirmed that amount was not delivered and they will refund the money.

I have been reaching out to customer support every week from past 90days requesting for my refund without any update. I have left with no option now but to log grievance with CFPB to help me get back my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My XXXX loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I cashed a check for a friend and I sent them the money after the checked cashed. Now the check was bounced and is void. My debit account and saving account are both negative. My account will close XX/XX/XXXX and not sure what to do

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: KS

Complaint narrative:
I scheduled a payment to my mortgage company through Commerce Banks online banking for XX/XX/2023. The money, {$1500.00} was taken out of my account on XX/XX/2023 by XXXX, the company Commerce contracts with to handle their online banking. On XX/XX/2023, XXXX, the mortgage company, sent me notification that my account was delinquent. I called them to find out why. they informed me that the check they received was denied payment by Commerce bank. I called Commerce to find out why since i had over {$50000.00} in that account. Customer service for their online banking is handled by XXXX, the same company that sends out payments. they told me that they had the cancelled check from the payment. I requested a copy of it and was emailed a copy of a check that was written by a lady in Indiana to something called " XXXX XXXX XXXX. '' I do not know either the woman whose account the check was written on or the organization it was written to. The check wasn't even from my bank or account. It was sent by XXXX XXXX XXXX. I have spoken with several people at Commerce Bank, XXXX and XXXX and can't get any answers except, " I'll get back to you. '' or " I'll have someone call you. '' the only exception to that is Commerce Bank. The branch manager and his assistant have been putting forth an effort to reconcile the issue. Both XXXX and XXXX reps told me they opened investigations on it and that I would hear from them in no more than 5 business days. That was three weeks ago and I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received an email from my boss regarding wage garnishments, when i saw from whom I contacted them and asked from what company, the account was one I had disputed due to me being unemployed during XXXX. they insisted that i pay the XXXX immediately, money I do not have and that since I can not pay the amount they will move forward with wage garnishments. My employment is the only way i pay my bills and rent I can not afford to have wage garnishments when the account was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Ascent Holding Co
State: MD

Complaint narrative:
This company denied my loan taking away my right to access my credit based on an inaccurate consumer report.

This is against the equal credit opportunity act that states access to credit is a right that can not be taken away for any discriminatory reason.

This company is discriminating against me by using a consumer report. They have taken my private information including my social security card number and other personal information with no benefit to me, the consumer in this transaction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My mortgage was with Rocket mortgage for the past 4 years. I took out a loan with Rocket because their mortgage banker XXXX XXXX who sold me the loan promised me that Rocket would service my loan for the life of the loan and never sell it and provide outstanding service. On XX/XX/XXXX my loan was sold to XXXX XXXX XXXX XXXX. My property listed on the Mortgage is located in an AE flood zone and I hold a flood insurance policy which is automatically paid from my escrow account yearly. XXXX mailed me a letter stating my flood insurance lapsed. The letter threatened a deadline to produce proof of a new flood insurance policy or I would be charged 4 times the current amount for a lender provided policy.I called XXXX on XX/XX/23 and a customer representative informed me Rocket did not transfer any flood insurance information for my escrow account with the loan transfer. I received multiple letters from Rocket about my loan being sold and transferred to XXXX stating all accounts, insurance, escrow, and auto pay would be transferred smoothly with no action required form me. I called XXXX flood insurance and they verified no updated mortgage information or payment was received from Rocket. I called Rocket to let them know the issue and the first representative verified no flood insurance letter was sent to XXXX. Then I was transferred to a supervisor who stated the loan was transferred to XXXX with all required information. I feel I was placed in a damaging situation by Rocket mortgage selling my loan and not transferring the loan properly. If the mortgage banker and employee XXXX XXXX would have not lied and committed mortgage fraud by making a fake promise I would not be in this situation all caused by a faulty mortgage sell and transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: MD

Complaint narrative:
Good morning, when I called, who I believed I was talking to XXXX ( Nelnet ) department of education about my student loan, but I am now realizing I was transferred over to a scam. They transferred me over to a company called XXXX XXXX XXXX XXXX. This company had all my information from Nelnet, including the exact number of my student loans and my address and social, so they convinced me I was talking to the right people. I was calling about loan forgiveness and they put me on hold, came back and said I qualify and would only have to pay {$490.00} down and then {$59.00} for the next accrued months. This was in 2021. I signed a E - contract and everything, filled with all my personal info that they had already from Nelnet, including my social on XXXX XXXX. I have been paying for what I believed were my student loans from the department of education since XX/XX/2021. They not only were taking XXXX out of my account they doubled it through different names like ( XXXX XXXX ) and ( XXXX XXXX XXXX  ) making my monthly payments 2x. When I looked at my statements, I started to realize this pattern and contacted my bank. I then had received a notification that I was to start with paying my " Student loans " with ( XXXX XXXX  ) after XX/XX/XXXX. So, I reached out to ( Student loan processing center, and no one answered me. I stopped the payments and started to do my research and noticed a lot of other individuals have been targeted by this company through Nelnet ( XXXX ). They have a site that states to file a claim against them for doing this! They are now trying to reach out to me since I stopped my payments which was doubled without my knowledge. 

When I reached out to them what my current balance is on my loan and they never answered my question just texted me saying they emailed me with it, but the email is requesting my XXXX due to the stopped payments that were ensured from my bank. 

The way I was scammed through a government department of education site has caused me so much stress that they have my information my social, my families address, and date of birth. And being that I thought my loans were being paid this whole time I am lost on the next steps I have to take. 

I would like my money returned to me. I would like this company shut down and charged for doing this to people who work hard to repay their debts. A investigation should be put into the company at Nelnet transferring protected calls over to these scammers. Please help me I don't know my next steps other than I believed was paying this whole time for 2 years almost 3. 

I will attach files only to a trusted government official. The files I have attached are not the only evidence I have that show clear scamming has been done to me through the department of education ( NelnetXXXX ) and this third party they connected me with ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation