vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
This account is in violation of 15 U.S. C. 1681 ( c-1 ). I have made several attempts to notify the original creditor and the collection agency about this account that's fraudulent or came from identity theft. 
This isn't my account nor do I owe 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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX XXXX XXXX and Experian were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 XXXXXXXX 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 XXXXl XX/XX/2022

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, reviewed my consumer report on XX/XX/2022 and identified that Experian is willfully reporting inaccurate information, which is unfair to me because I was never notified during Experians initial investigation nor when this inaccurate information was furnished. Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ), Experian is violating my consumer protected right by continuing to report inaccurate information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Experian has committed a grave error and undermined my belief in their abilities.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : Experian assumed the role of accurately reporting consumer information, and a competent court of jurisdiction or me did not give them express permission. Experian failed in their initial investigation for accurate information, and they assumed the information was valid, which is another violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) : Experian did not ensure this informations accuracy or exercise any grave responsibility with fairness and impartiality.

In good faith, I notified Experian, in writing the attached inquiries were inaccurate and of no benefit to me as a consumer and to delete them. They did not fulfill my request, so I must file this federal complaint because I communicated directly with Experian only to be ignored and violated!

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a copy of my drivers license to Equifax That is government issued if am not mistaken that clearly shows my name as XXXX XXXX and my address Never in my life have i been known by XXXX so i would like to no were is proof that i actually went by this name and from who? I should not be jumping thru hoops and sending my social security # by mail enlarged with a copy of my driver License enlarged. I supplied required documents and i receive a letter it doesn't match what they have on file. Like they have a FBI file. False Reporting. Also they are reporting i owe XXXX and the address and phone number reported on report for mcu is false it is not Municipal credit union bank address or phone Number on report bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Myself XXXX XXXX ( XXXX ). and my husband XXXX XXXX ( XXXX ) both have loans with Mohela. On XX/XX/XXXX they received a discharge list with our names for XXXX. Our loans are not being updated. They are sitting there. 

After several attempts we get the same response or a clueless response. It will take XXXX days to process. On one occasion we are told they need to send the list to Department of Education for review. However, this is false. The Department of Education sent our names in a file to them on XX/XX/XXXX. I have an Obudsman from the Department that contacted us the day our file was sent for discharge. I was told it would take a couple of weeks. 

Nothing has been done and it is over a month. 

This nightmare has gone on far too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Credit Corp Solutions Inc. is in violation of my rights. Not only was I not notified of this debt before the company sued me, but they also are in violation of Fair Debt Collection Practice Act again as they are conveying False and Misleading Representations as a debt collector. Credit Corp solutions is not licensed in Georgia as a debt collector, neither do they hold any Georgia licenses as per the NMLS Consumer Access database. Furthermore, they are in violation of my rights under the law in regards to privacy, as I did not grant this company permission to have access to my nonpublic personal information. I have never done any business with this company nor do I have any contracts with my signature from this company. Lastly, this company is suing me for alleged debt but they can not declare under penalty of perjury that this debt even exists nor have they produced a valid copy of a contract with the so called creditor with my signature as verifiable proof of the alleged debt which is also a violation of my rights as according to FDCPA debt collectors must validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Each time I call Navient, Department of Ed, or email FASFA I receive different information. I currently have a Joint Spousal Consolidation Loan that is serviced by Navient. Law was passed on XXXX XXXX allowing the separation of these loans. I have called all three agencies to get information and am told there is no process in place. I called Navient about a forbearance while DoE figures out the separation process and was told that I need to continue to pay my and exes portion of the loan until it is paid off. I have filed for PSLF after 23+ years in public service under qualified employers and the application can't be processed and was told that it can't be processed until separation is complete. Navient says to call FASFA, I call them and am told to call Navient who then says to look on studentaid.gov where there is no information. No one has answers and in the meantime, I continue paying for a loan that should be forgiven and on a portion that isn't mine.

I have asked Navient for a complete history of my loan. Payments as well as times in deferment/forbearance as was sent an incomplete list missing. The first papers were missing 12 years, when I sent them an email letting them know that is was incomplete they sent me a new one missing 10 years of history. Navient then said that since my loan had been transferred from servicer to servicer after they were all shut down there is no record of about 10 years of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.

Complaint narrative:
On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took XXXX business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem for almost a month asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
Dating back to XX/XX/2022, multiple inquires are on my credit report from sources i never applied to/ through. I am unable to contact these companies to get these inquiries removed, and the 3 major credit reporting agencies has requested a fraud letter. No loan was taken from most of these inquires it appears like. Totaling 45 inquires dating back to XX/XX/2022 XXXXXXXX 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 explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank reduced the credit line without sending prior notice, a letter arrived explaining the action they took afterwards, the credit limit was XXXX they reduced it to XXXX in this way the card appeared completely full, this affected my credit, the payments for this card have always been on time, we could not go online to see the statement because we are XXXX  and we were XXXX, the amount of the card for that month had changed, we did not notice it, we paid the same amount from the card previous month, the TD Bank system said that there was no payment received, we tried to call but the call system was not very accessible, immediately we noticed what happened we sent the money that completed the payment plus the late fee, all this happened because it is more favorable for us to receive the statement in the mail, when we explained the situation to TD Bank in writing, they did nothing to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022, I received XXXX emails from Bank of America. The first email was asking to verify my email address. The second email was notifying me that an online application is in progress. This email had my full name and a confirmation number of XXXX. The email aslo states that another email will be sent when the application is processed. Seconds later, another email is sent telling me that my application was approved and a new account called Bank of America XXXX XXXX Banking with account # : XXXX ( stated exactly in the email ). A minute later another email from Bank of America was sent welcoming me to Online and Mobile Banking. Three minutes later I received the last email notifying me that my email address was updated. I did not open an account with this bank or tried to do so.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, 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 contacting you because I was a victim of identity theft I sent all proper documentation to Transunion and they failedtofollow ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.. 
I contacted the Federal Trade Commission and filed a complaint # XXXX and are attached And the tracking number of the XXXX XXXX XXXX Account Number : XXXX This will be reported to the CFPB, the XXXX  and the general attorneyimmediately!!!

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
Re : Account XXXX. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XX/XX/XXXX. My father, XXXX XXXX, was the signer on the account and I was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XX/XX/XXXX. In XX/XX/XXXX, nearly 2 years after the lease ended, KIA added XXXX XXXX late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. KIA sent me a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XX/XX/XXXX, we called to speak with a supervisor. Throughout the month of XXXX, we called over 10 times. We sent KIA Finance a letter at the end of XX/XX/XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. I am now logged out of the portal with no way to pay or contact the supervisor. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 

We would like two things : to pay the account in full along with an itemized list of what we are paying, which weve been trying to do since XXXX, and late payments removed from our credit reports immediately.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Klarna AB
State: OH

Complaint narrative:
On XX/XX/22 I placed a small order through XXXX shopping at XXXX and paying with Klarna. I recvd a notice from XXXX that they put a {$180.00} hold on my debit card until my order was completed. I then recvd final receipt iao {$140.00} and I was charged immediately the 1st payment XXXX  {$35.00} on my debit card. One of the items-a playpen- was not needed anymore so i reported the return to Klarna and they paused my payments and for some reason refunded my card back the first installment of {$35.00}. They stated I needed to return it to store by XX/XX/22. On XX/XX/22 I took the playpen and the receipt the shopper had attached to the box and returned item to XXXX in XXXX XXXX. They provided a return receipt iao {$75.00} but it was credit back to a card ending in XXXX which XXXX told me is the shoppers card. XXXX will NOT report the XXXX return to Klarna so they are keeping my payment arrangements the same as if I had no return. Both stores keep telling me that I do get my refund iao {$35.00} implying that is for the playpen but it was my first installment that I had paid. I have made numerous calls to all 3 institutions but they are all blaming the other and this is still not resolved. I refuse to pay for an item I no longer have! I only owe Klarna {$67.00} and I need the amount adjusted so I can pay this and be done with all of them.Klarna is about to auto deducted the entire amount of {$140.00} and this is theft of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NBT BANCORP INC.
State: VT

Complaint narrative:
NBT Bank, a New York bank, failed to cancel a car loan payment made through their internal bill pay services after I had explicitly canceled internal bank payment. 

On XX/XX/2022, I called to have their internal payment canceled. This was in order to control my payment through their provided web portal. In the call with customer service, I was sent a form to fill out, sign, and return by email to cancel their internal payment. I returned that same form on XX/XX/2022 to XXXX. 

On XX/XX/2022, I found that not only did they NOT cancel their internal payment for my auto loan, but also the payment that I setup to replace their internal payment was charged. I called their customer service questioning why my cancelation request was not put through. I was informed that they had received the request but had failed to cancel their internal payment. I was then informed that they could not cancel, refund, or stop either payment made to NBT Bank. 

As a result of this, I have been double billed for an auto loan payment and was required to make efforts with my own bank to cover the unexpected expense of double billing.

Company response to consumer: Closed with monetary relief