vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
I have request a investigation of Fraudulent Account on my XXXX report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

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 consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

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 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
An account appeared on my consumer report name Debt recovery Solution and this is not my debt they are collecting on behalf of APP XXXX. I have never been to this hospital nor have I had medical treatment in well over 3 years and I have XXXX XXXX. I am a victim of identity theft in the pass and I have notified the XXXX major consumer reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello, I wanted to report Paypal for harassment. They keep assessing a claim on my closed XXXX for {$180.00}. I keep calling to get this reversed, but PayPal is continuing to put this charge on my account. 

During the summer, I opened a Paypal XXXX account ( there was an incentive ). It was advertised to me because I had a regular paypal account that I used to make purchases. I made some purchases on the card and paid off the purchases, as i always do. 

Then, on XX/XX/XXXX, there was a charge on my card for {$180.00} that I did not make. 

I reported this transaction for fraud and it was reversed XX/XX/XXXX. 

On XX/XX/XXXX, PayPal reassessed this charge of {$180.00} on my account. 

I called customer service and reported the charge again. They said there was an error made by the first agent and so it was handled by the wrong department. 

Today, I spoke with the investigations department for XXXX XXXX, and it was confirmed that my XXXX was closed on XX/XX/XXXX ( but as I remember it, I had closed it beforehand ). Sometime during the summer, I believe I had also reported the card as lost or stolen and locked the card to prevent any further transactions but I can not remember when this occurred. 

After, the charge reappeared on my *closed XXXX , in the amount of {$180.00}. Again, I called XXXX XXXX  and had the transaction reported for fraud. I never authorized PayPal to charge my closed XXXX. 

This amount was reversed on XX/XX/XXXX, as promised by the representative. 

Then, on XX/XX/XXXX, an amount of {$170.00} and ( {$18.00} ) ( for an interest charge???? ) was made on my account. 

I called again today to have this reversed, as soon as I had noticed. 

PLEASE help me put an end to this. I have made multiple phone calls, and spoken to multiple agents, from Paypal and XXXX XXXX. I don't want any more charges on my account or to pay for a transaction that is not mine. I asked for written confirmation to prove that this charge would not reappear but they refused to issue such a document. 

I can supply all the statements, proof, or documentation that I have or that I can reasonably access. All their calls should be recorded. I placed all my calls from my cell number. 

Please, please help me put an end to this harassment. I have done everything in my power to get this resolved but I have not been successful. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase early XXXX regarding a credit in my account for {$110.00}. They sent me an email on XX/XX/2023 that states " we have sent you a payment ''. The choices to collect the refund were click accept money and continue on to create an account or let the email expire for 4 days then they will send a physical check to my address. I waited for a month, no check arrived. 

I called on them on XXXX XXXX, XXXX, the person that I spoke asked to verify the address, it matches their record. She said she will send me the same email and to not do anything with it, this way the paper check will be mailed. It is XXXX XXXX and I still no check. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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:
GREEN V. Experian, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing Experian suppose to remove the negative item but Experian don't want to remove the item, Experian, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,

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 2023-11-21 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: PA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXXXXXX XXXX  and TRANSUNION located in XXXX, XXXX XXXX has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-21 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: CA

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXXXXXX XXXX and XXXX located in XXXX, XXXX XXXX has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2
State: AL

Complaint narrative:
XXXX XXXX account has a balance of XXXX on my credit file, this debt was paid off on XX/XX/2023 through wage garnishment. 

The outcome Im looking for is deletion of the debt collections from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has caused me jobs, mortgage loan and bank accounts. When creditors pull my file it shows XXXX ( XXXX ) like I have my credit locked or frozen. XXXX XXXX Phone number XXXX ( Experian Consumer Affairs Department ) called me said him and supervisor & manager XXXX XXXX ( Experian Consumer Affairs Department ) decided to kick me out the Experian system.They will no longer handle my credit file. I found out that was a lie through numerous of Rep in that same department. A Rep in that department told me in that the department that they cant kick you out EXPERIAN. I spoke to another Rep and he told me XXXX XXXX let his power and ego get in way because he have the manager and his friend XXXX XXXX to back him up for all the low down and dirty stuff he do with people credit file once people challenge him about their credit report. He ( XXXX XXXX ) told me 3-4 years he going to teach me a lesson.He talk me a major lesson by playing with my career and livelihood. 
. I tried to contact the new Supervisor XXXX XXXX from XX/XX/2023 to XX/XX/2023. I have left messages twice a week for 9 months and no return calls from XXXX XXXX ( Experian Consumer Affairs Department ). I found out from another REP in that department that they got on file that Im a victim of the 911 DISASTER. I never been a victim of 911 DISASTER or my family. Experian and these employees have affected my livelihood and my profession career. They let their ego affect their job and its not fair to me and other people thats having the same problem.I Know Im not the only one. Somebody need to fix this problem before it come public and cost the company EXPERIAN millions.

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 2023-11-21 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: NY

Complaint narrative:
I requested my credit report and saw that I had a mixed file. I contacted Equifax to fix the information by submitting a dispute online but wasn't able to. That happened in XX/XX/. I called them and tried to submit a dispute over the phone. They weren't able to do it. I sent in mail to fix the dispute in XX/XX/, but they haven't fixed it since. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
In XXXX, I applied for XXXX funds through the Commonwealth of Pennsylvania in order to achieve full reinstatement of my loan, along with six months of future payments. During the late spring of XXXX, Lakeview and/or Loan Care ( the sub-servicer ) confirmed to XXXX that {$13000.00} was needed to fully reinstate my loan and also confirmed that {$4800.00} was needed to maintain my account in current status for the following six monthsthrough XX/XX/XXXX. XXXX then provided said amounts to Lakeview and/or Loan Care. 

It is my understanding that Lakeview and/or Loan Care servicing provided the wrong amount to XXXX initially, and that XXXX actually made an overpayment. Lakeview and/or Loan Care nevertheless claims that the account is delinquent and that {$2400.00} is owed. 

In order to accept XXXX funds, Lakeview and/or Loan Care agreed that my account was current. Given that the full payment ( s ) have been made, I do not understand why my account is in delinquent status. 

Please immediately correct this failure, ensure that the mortgage delinquency as of todays date is set to {$0.00}, remove any and all late fees, and place my account in current status as of todays date, so that I may continue to make my normal monthly payments starting XX/XX/XXXX. 

If some genuine delinquency remains, please immediately contact XXXX to inform them of the shortage so that the issue can be rectified on their part. Please correct any erroneous reporting of my account status to the credit bureaus.

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 2023-11-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$3600.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX {$26000.00} XX/XX/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 2023-11-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to dispute the credit reporting practices of Synchrony Bank concerning my SYNCB/Pay Pal Master Card account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Synchrony Bank has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, Synchrony Bank has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by Synchrony Bank. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting Synchrony Bank to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/23, I did two ATM withdrawals back to back ( ATM XXXX XXXX XXXX XXXX XXXX CA XXXX ), one for {$800.00} and another for {$200.00}. The transactions deposited {$750.00} and {$150.00} back ( {$100.00} short ). When I saw that the bills being dispersed were crumpled in the machine, I counted and realized I was short {$100.00} total. There was a post-it note saying broken. I called my bank and they said they would process it, but I have just been rejected. This is unacceptable as the ATM was broken and my funds were not deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name Comenity Capital/Seph. I called them inquiring about the charge along with the reporting credit bureau. Comenity said they had no record of me and that there was no further information that they could provide to me. I have never inquired with Comenity, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
The complaint covers THREE ( 3 ) loans with this company, as EACH loan has the SAME ISSUE. 

There is a BLANKET insurance policy, and each loan must collect ONLY its portion for the escrow account. This has been explained to this company since they became the servicer in XX/XX/2022, was explained again during the insurance renewal, and for two months now, has been explained again by me, via their portal, Email, phone and XXXX mail, as well as explained by the insurance company, that it is a BLANKET insurance policy. This company services 3 loans, another company services the other 3. In the most simplest of terms, a blanket insurance takes the total policy premium and divides it by 6. NOT ONLY have we done this math for them, we have provided paid in full invoices and individual declarations pages to show them how to do the math, and what escrows they need to be collecting. 

Every time we contact them, they say it is fixed, but it is NOT fixed.

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