vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: SLM CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX settlementXX/XX/XXXXXX/XX/XXXX I had 3 loans which met this criteria each one was established during XXXX by XXXXSallie Mae XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XXXX XXXX XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XXXX XXXX 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With Sallie Mae still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and XXXX and all remedies applied per the settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
Dear Coast Professional, I recently received a communication from your company stating that I owe {$620.00} to the IRS. When I contacted the IRS to verify this debt, they confirmed they had received my tax payment but could not verify the additional amount owed. 

I was never provided any information from the IRS or your company about this additional debt amount or given an opportunity to verify and validate it. Under the Fair Debt Collection Practices Act, I have the right to receive information about the origin and validity of this debt. 

Please provide me with a detailed breakdown of what this debt is for, including the dates and nature of the debt. I would like to resolve this, but need more information first. Please send me written documentation validating this debt within 30 days as required by law. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased two Vanilla Gift ( VISA debit ) cards last year. But these two cards were stolen by someone else. I have contacted the XXXX company for almost one year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? 
My case numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2023, I got a call from Radius Global. They called to collect a debt that my husband owed before we got married. I am not liable for any debts from before our marriage, which was last week. This debt was two years ago.

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 2023-09-18 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: NY

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS 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 2023-09-18 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: WI

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
How are there 3 PMI payments deducted for 1 month by previous mortgage company and transferred to a new servicer less than 8 days later? Dovenmuehle nor XXXX will not explain, and they will not explain how my Escrow account only has {$6000.00}. 
On XXXX XXXX there was a third-party payment to Dovenmuehle Mortgage Inc. on my behalf. There is an ERROR with the way money has been disbursed towards my account. 
XXXX XXXX XXXX XXXX  ( DOVENMUEHLE ) XXXX XXXX id # XXXX is very rude and disrespectful and still give the wrong information about not locating my third party payment. On XXXX XXXX there was a new direct deposit third-party payment again on my behalf and XXXX XXXX XXXXXXXX and Dovenmuehle Mortgage Inc. accepted the payment but did not apply and did not transfer the funds to the new mortgage loan servicer. I have been given the runaround for weeks about this payment. I have called numerous times, I have sent several emails as well. I keep being told that the back end office are not able to locate the payment. THIS IS FALSE INFORMATION. The money cleared per third-party payor, which is how I was able to provide : PAYMENT REFERENCE NUMBER, BANK PAYEE NUMBER, BANK TRACE NUMBER and all other receipts from XXXX as proof of PAID for XXXX XXXX. 
I called again today @ XXXXXXXX XXXX and XXXX/DOVENMUEHLE MORTGAGE INC has still been lying saying they only received XXXX payment when I clearly provided the XXXX payment information. 
DOVENMUEHLE AND XXXX KEEPS LYING SAYING THEY CAN NOT LOCATE PAYMENT TO TRANSFER TO FREEDOM MORTGAGE, also they will not provide me with a tracking number either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
Anything you say can and will be used against you in a court of law. To whom it may concern, it has come to my attention that " Experian '' is in fact a consumer reporting agency in accordance with the Fair Credit Reporting Act 15 USC 1681a ( f ). Pursuant to 15 USC 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers privacy. This CRA has not respected my rights, they were unfair, partial, and furnished these accounts without my consent violating my privacy. Identity Theft is defined in the FCRA 15 USC 1681a ( q ) ( 3 ) as a fraud committed using the identifying information of another person, also see 18 USC 1028A ( a ) ( 1 ). I am XXXX XXXX, Consumer/Natural person. Also a CRA may only furnish in accordance with the written instructions, needs permissible purpose 15 USC 1681b ( 2 ) from the consumer to whom it relates, Experian never received my authorization, nor consent. I am demanding a block of this information 15 USC 1681c-2 ( a ), my FTC report is attached, all information will be included below, none of this information is in relation to any transaction committed by me, XXXX XXXX XXXX Consumer/Natural Person ). 
Experian Report # XXXX ( XXXX ) Address Record XXXX, XXXX, XXXX, XXXX, & XXXX .... 
( XXXX ) Accounts - XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX All the information listed shall be blocked in accordance to 15 USC 1681c-2 ( a ), within 4 business days of receipt as it results from identity theft as well as violations of privacy ( GLBA ) and the FCRA guidelines.

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 2023-09-18 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: Revolut Technologies Inc.
State: FL

Complaint narrative:
On the XXXX XX/XX/2023 I tried to buy some bags online, using 1 physical card from XXXX. When I was completing the transaction they took my card details and after a week ( XXXX XX/XX/2023 ) they steal me XXXX $ in 6 transactions of XXXX $ each to XXXX in Florida from my XXXX account. Obviously all UNAUTHORIZED Transactions. I informed immediately the banks that those are unauthorized transactions but they replied to me that for them the transactions arent suspicious. How can I proceed in order to get a refund for my losses?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have an issue with the fact that I am so upside down I cant trade my car in. No one will take my car because I owe XXXX and my car is only worth XXXX. I need some answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

OnXX/XX/XXXX I successfully had AXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account removed from my credit report. 

OnXX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As ofXX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After XXXX rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully had XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account removed from my credit report. 

On XX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ONXX/XX/XXXX 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

On XX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. XXXX XXXX, did not reach out until XX/XX/XXXX via text message only ; no formal documentation. The company also violated no.39 of the contract which states any changes in this lease must be in writing and signed by you and Assignee. 

I originally got this leased vehicle with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully haXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account removed from my credit report. 

On XX/XX/XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY XXXX XXXX XXXX FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH XXXX XXXX XXXX. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XX/XX/XXXX. 

XXXX XXXX XXXX, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at 9pm!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.

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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Tried to call the bank to open a merchant dispute but nobody answered the phone call, so I want to dispute it through here.

I made 4 purchases on the store, but they didnt have stock of the products at the same place so they will send it from their warehouse to my address. 
XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00XXXX XXXX XXXXXXXX XXXX XXXX All items must be delivered on or before XX/XX/2023, but never arrived. Also the merchant never provided a tracking number, delivery confirmation or any other shipment information. I tried to reach them several times to get that information by the website and phone calls but nobody respond. The first contact was in XX/XX/XXXX and the last was XX/XX/XXXX. Im not on that city any more so its impossible for me to go in person to the store. XXXX ending in XXXX I have the invoice that I want to share with the bank to support my case where is written they will send the purchase by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the XXXX XXXX XXXX, this creditor has violated my rights. Under 15usc1681 section 602 states that I have the right to privacy. 15 usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as later for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I have reached out to Shellpoint mortgage service, and now Newrez, XXXX times to resolve a simple mistake the mortgage company made when creating my loan. The loan added a parcel that was not to be in the loan. Multiple agents at Shellpoint confirmed it was an error and even told me they would resolve it. After several months and endless attempts with multiple people and divisions, no one ever did anything to actually resolve this matter. I have to now pay off the loan, pay pre payment penalties, and get a higher interest rate of about 3 % just so I can release the lien on my property that this loan was not suppose to be on. I have every bit of evidence and hired a firm to write the letter so all they had to do was sign the release. Unfortunately they never did and left me in a major financial hardship and endless stress and time wasted that I will never get back. This is the worse and most unprofessional experience Ive had to date with a company in my XXXX years on this earth.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation