vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld sent paperwork for me to complete after the first complaint l completed all paperwork and sent it in XX/XX/2024, I called on XX/XX/2024 and was told my email was received an XXXX would call me back, no call back at all I called Transworld on XX/XX/2024 and spoke with XXXX XXXX she had no idea the email was received asked me did I send in all the information which I did on XX/XX/2024 attached there is also two different account numbers on my paperwork from Transworld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I got my Chase freedom unlimited credit card & had XXXX transactions stopped within the first few times trying to use it. The XXXX  time was at a gas station, while I was XXXX XXXX  away from home depending on this card for travel. The credit card company was closed over the weekend. The XXXX time was at XXXX getting groceries & vitamins for my kids. The XXXX was trying to pay for food or my hotel. I would have to look @ the receipts. I have over {$100000.00} in my main Chase account & told them this credit limit is very low! You have my open end credit & are discriminating on how much credit I can access!!! They told me they wouldnt change it. Chase has used my application to fund this account via my social security # & consumer credit transaction. My birth certificate is authenticated on the state & federal levels. I have the full faith & credit of the United States. As a American National per 8 USC 1101 a 21 I demand & require that I have complete access to my unlimited open end credit. I can not be denied access to my consumer credit per federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: AZ

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
My mother passed away in XX/XX/XXXX. Due to the accounts being representative payee accounts, I had to go through probate to close the accounts and disburse the funds to my brother and me. On XX/XX/XXXX, I was appointed as the Independent Administrator of her estate. At this point, I talked to my attorney and was told that due to the nature of my mom 's assets, I wouldn't need an estate account and could disburse the funds directly from the existing bank accounts. On XX/XX/XXXX, I went to one of the bank 's branches to get the accounts numbers and balances to provide the court. After showing the employee the death certificate and my Letter of Administration, I was told she would have to send it to legal to review because she didn't think I had the right to the information. She told me I would hear back in a couple hours. I waited over a month to hear back from her and never did. On XX/XX/XXXX, I went to a different branch to request the same information. I was given the same response by this employee. I told him that his legal team already had the documents. The next day, he called me and said someone else, outside of their legal team, reviewed it and I could get the information I requested. On XX/XX/XXXX, after finishing the probate process with the court and them approving my filing, I confirmed again that I would not need an estate account, then I called the bank to confirm that I had everything I needed to close the accounts. I was told that yes, I had what I needed and they could close the accounts and disburse the funds to my brother and me. On XX/XX/XXXX, I went to the bank and spoke with the branch manager. At this point he told me he would have to check with their legal team about whether I need an estate account or not. I was told I would hear back in a couple hours. On XX/XX/XXXX, he called me back and said that I would need an estate account. He also confirmed that the documentation I had was exactly what they needed, and if I also got a tax ID number, I could open an estate account to move the funds to. On XX/XX/XXXX, I went to the bank with the documentation and a tax ID number. I spoke to the assistant branch manager. After looking at my documentation, she told me she would have to have their legal team review my case because my Letter of Administration is more than 90 days old. I was told I would hear back in a couple hours. On XX/XX/XXXX, I filed a complaint with their corporate office. As of XX/XX/XXXX, I still have not heard from the assistant branch manager. This morning, XX/XX/XXXX, I filed a second complaint with the bank. I was also told that when they reached out to the assistant branch manager, she said she was not familiar with the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Reopen complaint XXXX and escalate this to a manager who will actually read and respond appropriately. The company 's response was entirely inadequate and illustrates that they did not read the complaint at all. This issue remains unresolved and the company is knowingly publishing an innacurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Have called customer service multiple times. 

Payments not showing up on Aidvantage website and not credited to my loan balance. Still accruing interest and fees. 

XXXX payments XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: AZ

Complaint narrative:
XX/XX/2024, an identity thief attempted to open a credit card with XXXX XXXX XXXX using my information except the correct middle name. The card issuer requested additional information and sent a letter requesting more background data. The letter was sent to the home address at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Upon discovery of the attempted fraud, XXXX XXXX XXXXXXXX was notified and asked to remove the credit inquiry from my credit report XX/XX/2024. The representative I spoke with gave his first name as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I requested a refund of student loan payments made during a forbearance period in the fall. This would be payments of {$450.00} in XXXX and XXXX, total sum of {$910.00}. Per the Biden administration, I am legally entitled to the money I paid. I called in early XXXX, and Mohela confirmed that they would refund the money. I have yet to receive the money. I have called at least XXXX times ( for a total of eight+ hours on the phone ). They stated the refund was sent to my bank in early XXXX. I confirmed with my bank that no such payment was received. When they have attempted to transfer me to somebody to help solve this issue, I have been disconnected twice. I am wasting my precious time dealing with these incompetent fools. Please, help me force them to refund the money I am legally entitled to. If it will help, I can execute an affidavit attesting to the fact I never received the money owed. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from a credit monitoring system stating I had an account in collections. The account balance was {$1100.00} from MRS BPO LLC. The account was originally from XXXX XXXX XXXX XXXX XXXX. When I spoke with MRS BPO LLC, they requested I submit a payment and I informed them it was a fraudulent account. They stated they would send me a fraud packet to complete via mail but I never received it. I contacted XXXX XXXX XXXX XXXX XXXX and informed them of the fraudulent account but they couldnt provide me with much information due to the account being set up using my social security number and the account requiring a PIN to access it. The XXXX XXXX XXXX XXXX XXXX representative did tell me the account was created in XX/XX/XXXX and they gave me the address the XXXX XXXX service was being provided at.

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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management Reporting account # XXXX I am unaware of this debt. I didn't have an opportunity to dispute this debt. I didn't receive proper notification of this debt. 

If in fact you believe you gave me proper notification as required by federal law, please send me the certified mail receipt with my name and signature validating that I received proper notification from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I am being reported late for XXXX and XXXX, when both payments were made on time. In fact XXXX statement has not come out yet and I am being reported late in XXXX. Payment was due XX/XX/XXXX and it was paid XX/XX/XXXX. Attached is statement and payment. I want lates removed from Credit reports asap as I was not late. They are always marking me late and not posting payments when they should be and reporting late in the wrong month. I can not be late for XXXX when the statement for XXXX ahs not come out yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I submitted a request to both XXXX and Equifax advising that XXXX  XXXX or XXXX XXXX  XXXX XXXX  accounts were fraudulently opened ; I have tried going to the credit bureaus and have been unsuccessful as they have been saying it has been " verified as accurate. '' Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS XXXX PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary 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 2024-03-22 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: FL

Complaint narrative:
XXXX XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I WENT INTO TRUIST BANK ON XX/XX/XXXX. I MET WITH A BANKER IN ORDER TO OPEN A SECURED CREDIT CARD. I GAVE THIS BANKER {$500.00} AND HE GAVE ME A RECEIPT WHICH I STILL HAVE. I RECENTLY WENT INTO THE BANK AND I ASKED TO CLOSE THE ACCOUNT. THEY INDICATED TO ME THAT IF I BROUGHT IN {$500.00} AND GAVE THIS TO THE BANK THEY COULD CLOSE THE ACCOUNT. I ASKED WHERE WAS THE {$500.00} I GAVE THEM ON XX/XX/XXXX THAT WAS PUT INTO A SECURED SAVINGS ACCOUNT? THEY SAID THEIR RECORDS DO NOT GO BACK THAT FAR AND THAT THEY GAVE THE MONEY BACK TO ME BUT THEY HAVE NO RECORD OF EVER GIVING IT BACK AND I HAVE LOOKED THROUGH ALL OF MY STATEMENTS AND THERE IS NO RECORD OF ME RECEIVING THIS MONEY. THEY ALSO TOLD ME THE BANK DOES NOT KEEP RECORDS PAST XXXX BUT WHEN I WENT HOME I COULD GO BACK TO XXXX AND I WENT THROUGH ALL MY STATEMENTS AND I NEVER RECEIVED THE {$500.00}. I JUST WANT TO RESOLVE THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
TransUnion, Re : Letter to correct Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX ) XXXX You claim that I am 30 days late but you also reported the last payment date is XX/XX/XXXX. That is a whole another year. That is inaccurate I would like it to be updated to pays on time. 
XXXX ) XXXX the report states that I am 60 days behind and the last date reported was XX/XX/XXXX but that can not be accurate when your report also states that the last payment date is also XX/XX/XXXX. Please update to pays on time. 
XXXX ) XXXX report states that I am 60 days behind and the last day reported was XX/XX/XXXX but that is not accurate when your report also states that the last payment date is XX/XX/XXXX. Please update to pays on time. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and reported as pays on time on report. It is my understanding that you will recheck these items with the creditor who has posted them. Please correct any information that the credit can not verify as pays on time. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NJ

Complaint narrative:
I asked this company for the original contract with my signature on it to validate this debt, and they havent yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
XX/XX/XXXX I called Truist to pay off my car. had a influx of money and it was almost paid off. given a pay off amount of XXXX i paid this amount got conf number XXXX. 

i celebrated. i paid off my first car!! then XXXX i had not gotten a tile and so i called to find out how that happens. told it takes a few months to process. that if i didnt get it by XXXX to call again. i mentioned how exciting it is to pay off my car. never once was i told i still had a balance. 

then XXXX. i get a postcard in mail saying im past due by XXXX bucks ( dont have the exact number ) i thought oh, must be interest. i called and im told im past due by XXXX and change.?? i then told them that i will make a payment later that evening sinice i needed to see what was left as i thought i had paid off the car and already alloted the money elsewhere.. told that was fine. i made a XXXX dollar payment. now we get calls XXXX times a day the following week on the exact date the bill pay payment goes through and is posted ; my husband gets a call saying that if we dont make a payment that my car would be repoed. SERIOUSLY!?!??!? i called and found out why. and was told that my account has not been sent to repo department. that it was only 3 days past due. i asked to speak to repo department to verify and then moved on today XX/XX/XXXX i get an email saying im XXXX cents past due. i called to pay it to stop the harrasing calls to both myself and my husband. i am hung up on XXXX times. was not able to connect using a landline that my hearing XXXX can use. had to use my cell phone which my hearing XXXX dont like and i had a very difficult time. told im 25 days past due. and that i needed to pay XXXXand some dollars. 

i told him i want to pay what the email from them says. he would NOT accept a payment using the source that all of my payments came through. 

the numbers have never been the same. my husband gets different numbers. there is no communication. i have no faith that i will get a title. or be able to pay off the car with the different numbers im given each time.

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