vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: CO

Complaint narrative:
I have been a XXXX  at XXXX for XXXX weeks now. i have filled out every form and application required from me to pay for my education and other expenses that are allowed to be budgeted into my student budget. i have not received one red cent from my college yet! i can clearly see that my money is ready and available to me. this is money i signed for using my social security number. i am also responsible for the repayment of all approved moneys. i do have bills that i am responsable for paying while i a XXXX XXXX XXXX at XXXX. my school is holding onto MY MONEY until i submit proof of graduation. so fine i have done this in more than once. now my school is claiming that they are not going to be able to accept my diploma because the school is not accredited. this is horse hockey!!! my homeschool located in XXXX texas is VERY accredited!!! now they want me to provide transcripts. this is just another hassle that i do not need to waist my time on. i could use my time more productively and wisely doing something else with higher priority. i do not feel my school is being as proactive as i am being at furthering my education as a single handicapped lady. nor has my financial advisor been forth coming and showing compassion about how my student accounts are being handled. now i did not lie about what homeschool i graduated from. this school is a REAL live place!!! i di not make that up either. there is alot of money that has been awarded to ME to pay for my education and other bills that play a very important role with my further educational costs. so instead of accusing me of falsifying a school. they should be helping me. not trying to set me up for failure. this is my money and i need it now!!!!!!!!!!!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received several letters from RESURGENT  CAPITOL SERVICES attempting to collect on an unverifiable alleged debt, account # XXXX with an ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX. 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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 explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Over the course of XXXX, I've had to speak with Wells Fargo representatives more than I would have liked to in regards to my information being used, multiple times I've had to pay overdraft fees for transactions I didn't approve or have knowledge of, money going missing out of my account ( {$400.00} being the most at XXXX time ) without an explanation, random service and maintenance fees that I never had in the XXXX going on XXXX  years with the bank... I've had XXXX debit cards replaced this year and haven't received a fraction of the money that was taken from me and IT IS STILL HAPPENING, just this morning ( XX/XX/XXXX ) I was charged {$100.00} for an XXXX membership that has my debit card attached along with my email but when trying to access the XXXX account a phone number that isnt associated with me or anyone in my household is the phone number for the account... I don't take my debit card out of the house unless I'm going to purposely use it as it is and nobody has had access to my debit card or account information not even my wife .... I have lost way to much money dealing with this bank this past year and it's rolling over into this year, it's unacceptable, unprofessional & straight up WRONG... I'm the soul provider for my family and it's hard as it is with the money I make, even harder when I have money missing, account issues, debit card issues every week and then can never get any answers as to why this is happening from the company... I need these issues resolved once and for all and I would like my money back.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made 2 purchases from Ashley Furniture, in XXXX and XX/XX/2022. Both of which I had waited over 6 months to purchase waiting for their 0 % interest for 60 months promotion began. 

Once I was emailed that 0 % began, I made the purchases on the card I had applied for, and had open for months prior to the purchase ( again, waiting for the right promotion ). 

Then I get my statement and I am being charged 9.9 %. 

I called, XXXX said to take it up with Ashley. I called Ashley, they dont have a billing department, but escalated this issue, and after over an hour mostly on hold for someone higher up, I was told theyd call me back with an answer. 

And I have not heard anything from them since.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX XXXX 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
In the middle of XX/XX/2022, I learned from alerts through my XXXX XXXX account that my XXXX  score had dropped dramatically. When I researched it I learned that collection was being attempted on a debt that XXXX XXXX claimed I had with them .. when I didn't respond, they referred the debt for collection. 

This the text of a letter I sent to LVNV Funding LLC challenging a debt claim. A similar letter was sent to XXXX XXXX. 

________________________ LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference numberXXXX I received your letter of XXXX directing payment on a delinquent account on behalf of LVNV Funding and XXXX XXXX XXXX 
This letter is to notify you that I am challenging the claim. 
1. Ive never had any transactions nor communications with XXXX XXXX. 
2. Ive neither applied for nor received a {$6000.00} loan as your letter describes, however... 
3. My research yields : a. On XXXX someone opened a savings account and acquired membership with XXXX XXXX XXXX XXXX in VA in my name using an email address which wasnt mine and a phone number which wasnt mine. 
b. I spoke with a representative from XXXX who advised that the person also applied for a {$6000.00} loan about the same time. 
XXXX XXXX month later on XXXX the savings account was closed by XXXX as the loan application was found to be fraudulent. The loan was denied and no funds were disbursed. 
d. On XXXX XXXX opened an account and began to add late payment claims to XXXX. This continued until recently, LVNV added a collection/charge off claim with XXXX on XXXX, and XXXX added a, New Non-Medical Collection to XXXX on XXXX. 

____________ The total debt is shown as {$6100.00} I received a letter from Resurgent on behalf of XXXX XXXX XXXX advising that they had initiated a review of XXXX 's inquiry. I don't know how XXXX got involved. I challenged it and filed a complaint with them. 

I've also filed a police report with the local police .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX advising that I had a checking account with their bank. They report a positive balance of {$6000.00}. I did not open this account. 

***Also .. the email address showing in this form is not correct and even though I am advised to correct it in my profile.. I can't find my profile. The correct email address is XXXX. ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was looking through my consumer report and noticed a debt from XXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Transunion is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant XXXX5usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Transunion has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my XXXX nd time submitting a dispute to the company. Each time they keep sending me a letter saying they are not going to investigate. This is extremely inappropriate as I am trying to get my credit report to report accurately.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX is attempting to collect a debt of {$3200.00} from me. The original creditor is XXXX XXXX XXXX XXXX. I had no idea who either of these companies were as I never received any letter or email stating that I owed them any money. Furthermore I never signed any contract with either company authorizing them to charge me {$3200.00}. Recently I discovered that my ex roommate also received the same account in collections so I called the leasing office of an apartment that I lived in on a XXXX month lease, XXXX XXXX, in XXXX XXXX California. They responded by email without acknowledging any debt that I owed them and simply told me to contact Hunter Warfield. I am still unsure of the source of this debt in collections but I did email XXXX XXXX and showed them all of my receipts clarifying that I paid rent in full. I also sent them a screen shot of the {$9800.00} that the California Covid rent relief program paid them for the XXXX months that I was unable to pay rent due to Covid. They actually received more money from the program that I owed them! And now they are trying to collect more money from me. I kept every money order and cashiers check so I have proof that they were paid in full. And I also have a copy of what the rent relief program paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was looking through my consumer report and noticed a debt from XXXX XXXX XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Experian is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Experian has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXXXXXX XXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all XXXX major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was looking through my consumer report and noticed a debt from XXXX XXXX. XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Equifax is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Equifax has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX XXXXXXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank offered a sign up bonus of {$700.00}. I opened and funded the account. Kept required balance in for the XXXX plus XXXX days - they did not pay the bonus. Called them multiple times to no avail. Now at over XXXX  months since opening. I want my {$700.00}. I have withdrawn most of the balance and want my bonus and to close and never deal with them again

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They wont show me original documents stating that I borrowed {$30000.00} from them. They wont show me no signature that I borrowed any money from them. XXXX XXXX XXXX account number XXXX. According to 15 USC 1681 602 a and 15 USC 1681 602 b and 15 USC 1681c section 5A. Remove this account from my credit report please and thank you.

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