vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Issue number one. Charges made on my Home Depot card. Contact Home Depot was issued a new card. Thought it was an isolated incident and moved on. Issue number 2XXXX received a letter from Best Buy credit services. They informed me that my credit was denied. I did not apply for a Best Buy credit card.

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 2023-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Paramount Capital Group, Inc.
State: GA

Complaint narrative:
I have received numerous phone calls from paramount Capital stating I owe {$120.00} a month, the bill they send out monthly and the one on their site states {$84.00} a month. I paid the {$84.00} they say i owe according to the statement, then they call not long after stating i still owe {$25.00}. On multiple occasions i have explained this to them. They refuse to acknowledge the bill they send and also refuse to send an email stating amount owed monthly. I have attached files showing my bank statement for payments made, also have attached image showing what statement I receive from Paramount Capital, and also a screen shot of what it says on their webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2023-10-09 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian can not verify an old account that is 10 years im 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 2023-10-09 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: WA

Complaint narrative:
Names, addresses, phone numbers and 11accounts falsely reported on my account with XXXX they need to be removed 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This debt is becoming and more convoluted. I have been contacted by FOUR companies regarding this debt ( see attached ). I have never spoken to anyone regarding this debit until XX/XX/XXXX ( first time ever ). I did receive ONE email in XX/XX/XXXX, which went into SPAM and I didnt realize it until recently when I went to check after getting all these harassing calls. This debt is supposedly with XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX- this is RIDICULOUS! I shouldnt be contacted by all these companies at one time for a debt ( an almost 5 year-old debt from my understanding ). On my Equifax, it's listed that it opened in XXXX. Yet, XXXX said it was XXXX, which is it?????? Today is XXXX XXXX XXXX and even today do I get calls ON A HOLIDAY!!!! The attached says this debt came from XXXX XXXX  - Ive never even heard of XXXX XXXX OR ANY OF THESE people until XXXX XXXX! The abuse I get ( and my mother who is XXXX XXXX XXXX in the XXXX ) is OUTRAGEOUS!! I asked your representative to please stop calling me and I was literally told : " THIS IS THE UNITED STATES - WE CAN DO WHAT WE WANT '' - I am not sure which company it was because different companies are calling regarding for this ONE debt. I am reporting this to as many entities as I can because the attachment ( sent XX/XX/XXXX ) CLEARLY STATES IT WOULD NOT GO ON MY CREDIT REPORT DUE TO THE AGE AND YOU DID IT ANYWAY!! YOU ARE LIARS!!! If you lie about this you will lie about anything including this debit ( I am not even given the right date as to when it was opened and defaulted )! I want the calls to me and my family TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In early XXXX the company ( Capital One ) stopped accepting debit card payments. This has negatively affected my credit history and ability to pay because they take 3-5 business days to process a payment. Whereas before one could pay with debit card instantly. This has negatively affects borrowers ability to pay easily and on their schedule. It is predatory to change methods of accepted payment like that without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



DEPT OF EDUCATION/NELN XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



DEPT OF EDUCATION/XXXX  # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-10-09 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: FL

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

Account name : XXXX XXXX XXXX # XXXX ...., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I applied for a Huntington national bank credit card on XX/XX/2023 and got denied. I have the right to XXXX. Based on the Equal Credit Opportunity act denying access of my credit is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Currently banking with Bank of America, they gave me a couple of charges over the years I have being a client with them. Specially when low founds, even when I when a head and deposited the money needed to cover the transaction. They also " process '' transactions in a odd way and I feel like they are double charging on some transactions or causing my account to drop to insufficient founds. for example my wife might spend XXXX on XXXX, the mobile app will show XXXX but under processing, so I " know '' I have XXXX less on my account and it does reflect a total amount minus the XXXX so I do my spending, but by the time it " process '' there is less money than expected even do I took in consideration the minus XXXX like if they took the XXXX again and then when processed another chunk. I read about the complains other people has had with them, and I thought that it was just me thinking I was wrong with the fees and the way they Process transactions.

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 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Emergent Business Group, Inc.
State: AL

Complaint narrative:
I took out a loan for {$1900.00} on XX/XX/XXXX from XXXX. It was supposed to be a payback every other Friday on my pay date. Instead my payments were set up for every Wednesday. I contacted them by email to get it changed and also asked for automatic payments to be turned off. They did get it turned off. I was struggling with payments so I asked for a different payment plan. We were not able to come up with a plan so it got further and further behind. The last communication I had with them was an email on XX/XX/XXXX asking for payment. On XX/XX/XXXX, I received an email letting me know that my account was transferred to Emergent Servicing with a balance of {$3100.00} due. 
On XX/XX/XXXX, I took out a lease-to-own agreement with XXXX for a purchase. This is a completely different division than XXXX. I received the agreement and payments began for every Friday as agreed. On XX/XX/XXXX, I received an email from XXXX stating the following : Congratulations on your loan. Please be advised you have entered into a loan agreement with XXXX weekly payments at 164.55 % APR. Unlike the lease-to-own program, XXXX same as cash is not an option however you can pay off your loan at any time without penalty by calling XXXX & XXXX Technologies XXXX XXXX XXXX Payment frequency can not be adjusted with the loan program the payments are set to the date and day of your loan agreement. 

If you have questions regarding payments or balance please contact XXXX the servicers of your loan. 

I was confused because that was not the agreement. I called the number listed and they put me over to XXXX XXXX. I called XXXX and spoke to XXXX who was very aggressive and told me I needed to pay my loan from XXXX. She wanted me to pay it immediately on the phone. When I asked for details, she said that she would not honor any agreement after we got off the phone that day but would send me details. 

I am extremely upset with this deceptive practice of them making it sound like my lease-to-own through XXXX was now changed XXXX a loan through XXXX. And then when I called and was confused, I felt that I was being forced to do something without being able to review the documentation. I have since received an encrypted email message from them but it wants me to set up an account with them to view it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I was with XXXX  with XXXX loans until XXXX when I consolidated to take advantage of XXXX. My XXXX  forms were submitted in XXXX, XXXX, and XXXX of XXXX. I was told by Mohela I was slated for forgiveness in XXXX of XXXX because I had enough payment counts based on their looking at my ecfs. 

Long story short, they have not included the years XXXX through XXXX because they say the nslds is not updated. They say they have to wait for XXXX to update the database. The XXXX and the nslds both say that Mohela is the one to update the database. The Mohela site itself says Mohela reports to the nslds. The student.gov site says the nslds is updated by servicers and universities, not the XXXX. Mohela would certainly fall under the servicer category. 

So I am at an impasse. My account should be well over XXXX however they only show XXXX because we are missing those 5 years. XXXX of the supervisors at Mohela said she could see on another database, the cdel (? ), that I began repayment early XXXX. However, they will not update the nslds for an unknown reason that they can't even explain to me other than they are waiting for XXXX. 

I am now about to be billed {$500.00} a month for the next XXXX years until my counts are over XXXX. They have had the paperwork for almost 2 years now ; that should be long enough for the processing they have told me for a year and a half that needs to happen Since this has been nearly 2 years of communications with them, I'm not going to give you a laundry list of dates at this point. I will say that I do have copies of my ecfs, and I also have my printouts from navient showing my payments going back to XXXX. I have also requested formal payment records from navient which should be coming in a couple weeks. 

I have made several complaints to XXXX, to mohela, to the XXXX XXXX XXXX, and to my state representative. Complaint case numbers can be provided as you need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I noticed unauthorized inquires on my credit report that I would like removed. 
XXXX : CAPITALONE - Bank Credit Cards XX/XX/23. 

XXXX : CAP ONE NA - Bank Credit Cards XX/XX/23. 
XXXX XXXX XXXX - Commercial Banks XX/XX/23. 

XXXX : CAPITAL ONE - Bank Credit Cards XX/XX/23. 
XXXX XXXX XXXX  Commercial Banks XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Dear CFPB, In XXXX my loan was modified and {$85000.00} was deferred and subsequent correspondence with Ocwen Mortgage indicated it could be forgiven. In XXXX Ocwen told me it would not be forgiven and would only be deferred interest free for the life of the loan. FNMA & FHLMC loans at the time forgave the deferred amount. Accept the modification as written or they would foreclose. We made decisions based on the intimidation and subsequently on XXXX servicing mistake, stating in writing it could be forgiven. We made financial decisions based on XXXX servicing lie or mistake. That information is in my previous claim. 

This inquiry is, would this {$85000.00} qualify for reimbursement under the " Rosenthal Act '' cash settlement with Ocwen and PHH for servicing practices? Would the {$85000.00} qualify to be paid off from those funds? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 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. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

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