vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I attempted to call my student loan servicer in order to get info about the SAVE repayment plan and their part of the application as I have just been laid off from my job and would like to work with them on sorting out my payments. I was put on hold for over 1.5 hours and my call was never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I had reviewed a call from my bank stating that they saw suspicious transaction made in XXXX Arizona and they wanted to confirm that if that wasn't me and I told them it wasn't. They confirmed my address and wanted to confirm my card number and I did input my information falling for their scam call. At the end they told me that I would only be able to make purchases within the city I live for my safety. However, at the time they called, I was on my way to pick my boyfriend from work and once I had picked him up I received a message from my account stating my checking was below XXXX XXXX I login to my Chase Mobile app to see what it was about and it showed that I allegedly made multiple withdraws from an ATM machine, as well as a purchase from XXXX and a smoke shop nearby the same location from the ATM withdraws. I quickly called my bank and they were able to refund me the purchase for the smoke shop and XXXX. They also told me the location of which ATMs they withdraw the money and that they linked their XXXX XXXX to make those withdraws. The ATM machine the scammers used was for a local chase in my city. As time went on I have been waiting for the rest of my money and have called weekly for updates. Until yesterday, ( XX/XX/2023 ) I called in for another update and the information I received was that the claim I inputed had now been closed because the withdraws that had been made didn't show any errors based from my account, or the pin. And I believe it was because of their link from my bank account to their XXXX XXXX. So the information that was clearly given on that call on XX/XX/2023 was that they would not refund me my money because the bank believed that I made those transactions, which I clearly did not because I was on my way to picking up my boyfriend from work. I've also made a police report on the XXXX of XXXX to see if they could help me by the time by the officers told to to reach out once again if the bank refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Voluntary Surrender Agreement ' Dated & signed XX/XX/XXXX Notice of Our Plan To Sell Property from Upstart Dated XX/XX/XXXX Last conversation with Supervisor XXXX? ( No Name ) stating that I needed to contact the CARS repossession team at XXXX because Upstart had no knowledge of my cars sale? And that CARS could keep my XXXX XXXX XXXX indefinitely, but I would still be responsible for the full amount owed of loan & charge-off? 

I was also told by XXXX ( Upstart ) on XX/XX/XXXX that if I wanted to avoid the CHARGE-OFF on my credit, that I would have to pay a {$350.00} fee? None of this information is stated in my Voluntary Surrender Agreement or was I told that prior to agreeing ( due to poor health ) to relinquish my car? 

I literally feel like they stoled my vehicle & are taking advantage of me, because I'm having XXXX & XXXX XXXX & I can't fight back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MD

Complaint narrative:
I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2023-11-01 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: MD

Complaint narrative:
I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
Always calling and i kept disputing for many many years and they always pop up. I always had insurance in fl and in ny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
ACCOUNT NAME ABILITY RECOVERY SERVI Account : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is failing to provide me accurate and true statements from XXXX and XXXX. Bank closed on my twice for my checking and savings and I have proof they e committed theft and fraud with both previous accounts checking and savings and made up transactions not valid as confirmed with XXXX XXXX XXXX transactions from XXXX, XXXX in XXXX, XXXX in XXXX, XXXX and XXXX in XXXX, checks returned not deposited but also debited from my checking account also in XXXX. For XXXX Ive confirmed with XXXX and XXXX they were never paid as the bank claims they have. My money has not been refunded back to me since the account got closed in XX/XX/XXXX. The bank also fails to provide a statements for XXXX since I opened with them on XX/XX/XXXX with {$800.00}.

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 2023-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LCS FINANCIAL SERVICES CORPORATION
State: CO

Complaint narrative:
I received a letter dated XX/XX/XXXX, indicating my information was part of a data breach from LCS Financial ( principal ). The letter came from a company called XXXX ( 3rd party, attached ), but the information was held by LCS Financial. 
I made multiple inquiries. During which the 3rd party eventually shared LCS was a debt collection agency who had my information for a XXXX or XXXX XXXX loan. I DO NOT HAVE either. I am current on all my obligations and have been since my XXXX XXXX XXXX XXXX. 
That XXXX was the result of taking care of a parent that initially needed 3-6 months of care and wound up needing 3 1/2 years of care. None of those loans were XXXX or XXXX XXXX. More importantly, they were XXXX in XX/XX/XXXX. Therefore no debt collection records should exist. And no collection agency should have possession of my information, specifically LCS Financial. 

It appears LCS Financial illegally obtained or retained my information that was then subjected to this breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
ACCOUNT NAME XXXX XXXX XXXX Account : XXXX AMSHER COLLECTION SERV Account:XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: AZ

Complaint narrative:
This complaint is for nonpayment/not paying full amount of homeowners ' insurance from my escrow account. ClickNClose did receive my Declaration Page and Invoice for payment on my homeowners ' insurance. However, only a payment of {$120.00} was paid out of the {$890.00} due. I have spoken with XXXX of their representatives on the following dates : XX/XX/XXXX, XXXX and XX/XX/XXXX. Each stated that they would put a note in my file and send it to the Payment Department. The payment was due by XX/XX/XXXX. If payment is not received by The XXXX, then they would have to review and perhaps increase my annual insurance amount. The amount of XXXX annual amount was {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-11-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Repo XXXX rting act child support Account 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

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2023 I wrote a check for estimated taxes to the GA Department of Revenue in the amount of {$1600.00}. In XXXX of XXXX I discovered that the check was never applied to the payment account with the Department of Revenue and I uncovered that the check written had been stolen from the US Mail and had been signed over to a person named XXXX XXXX with my forged signature below. A XXXX XXXX XXXXXXXX branch honored this forgery and cashed the check to this person. My bank, Region Bank, debited my account and paid the funds. 
I have filed multiple claims with Regions Bank beginning in XX/XX/2023 and on XX/XX/2023 I was informed that Regions would not be able to refund the stolen amount unless the Department of Revenue files case with them. The Department of Revenue will not be able to do this nor should they need to do this.

The fraud and theft happened to me and my account NOT the Department of Revenue.

All past checks written to the Department of Revenue are clearly marked with a stamp indicating the funds are deposited by the Department of Revenue.

This is a clear case of someone fraudulently signing over a check not made out to them and a bank honoring it and deducting funds from my account.

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a list with yall where I been providing information to all the loans companies and credit bureaus. I filed XXXX XXXX XXXX and navient and department of Education was included. XXXX I filed a XXXX XXXX and all loans was discharged. Why are they still billing me. Messing up my credit at the bureaus with wrong information. I wish someone look into this. How can I start a Class Action Lawsuit this is unacceptable all partied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MN

Complaint narrative:
I want to present my disputes with Experian because I believe that the accounts are not being reported with correct information, but they have denied me my right to present them, according to them they give me options where I can enter my disputes but XXXX does not let me register them, I sent them my letter and they responded refusing to investigate, I went to their website and they told me that I can not register it through their page and they forced me to call but at a time that I do not have because I work, and because the time I called I did it on my lunch break from my job and they transfer me from one operator to another and that takes more than 30 minutes, this is very stressful and they are denying me my right to dispute incorrect information. I include the letters and evidence of the attempts I have made to dispute.

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 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: GA

Complaint narrative:
CAPIO PARTNERS LLC XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote to Experian and asked them to send me a copy of my XXXX mothers credit report. I told them there will be no probate of my mothers estate. On XX/XX/XXXX, Experian responded with a form letter saying that they wont send her credit report unless I send them a signed, sealed, and stamped court document stating that I am the executor of her estate. 

To state this as clearly as possible, I told Experian there will be no probate and they responded by asking me for a probate document. If this werent so absurd, it would be funny. So how do I get a copy of my mothers credit report from Experian? 

I understand and appreciate that Experian wants to keep my mothers information from falling into the hands of identity thieves. To that end, I provided Experian with a certified copy of XXXX XXXX XXXX, a copy of her will which names me as the executor, a copy of my drivers license, a copy of the first page of my Experian credit report, dated XX/XX/XXXX, and later another copy of the first page of my Experian credit report dated XX/XX/XXXX. Why isnt this sufficient to prove that I am not an identity thief? 

Both XXXX and XXXX sent me copies of my mothers credit report. I handled it exactly the same way with them as I did with Experian. I wrote them the exact same letter, included a certified copy of the death certificate and a copy of her will, a copy of my drivers license and a copy of the first page of my most recent credit report. Neither of them insisted that I go to probate court to get a court document. 

I cant be the only person who has requested a copy of a decedents credit report when there is no probate. There must be lots of people in the same situation. 

I am not going to go through the cost and expense of probate just to get a copy of my mothers credit report. That would be absurd. It appears that Experian is saying that unless I put my mothers estate through probate, there is no way they will provide me with a copy of her credit report. Is it legal for Experian to do this? 

I tried calling Experian twice ( once in XXXX and once in XXXX ) and I was unable to find any option that connected me to a human being. I have written four letters to Experian. Their four replies were pro forma, irrelevant, dismissive, meaningless, and unhelpful. In short, they have refused to honor my request.

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 2023-11-01 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: NC

Complaint narrative:
XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

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 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
XX/XX/2018 amount XXXX. 
Merchants adjustment services is holding me accountable for a debt I've never heard of XXXX XXXX XXXX, I've disputed this action, but they still accuses me on my XXXX report, but no other credit agency has this on theirs, please remove this fraud of my account, thanks

Company response to consumer: Closed with explanation