vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Dispute XXXX Texas Attorney General Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SUN LOANS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SUN LOANS reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XX/XX/2021 I was a victim of fraud. I received a text message from my bank asking if I was attempting to make a purchase as they were believing it was fraud. I responded I didn't make the purchase. After the text I received a phone call, from the number on the back of my debit card. The man identified himself as a member of the Chase fraud department. They reviewed the purchase they had text me about and once again verified that it wasn't me. They said that they would stop the charges as they were still in a pending state and that the money would be refunded to me the following day. They then talked to me about security measures to take on my account. By the end of the phone call I noticed that {$5000.00} was gone from my account. The next day {$5000.00} more was taken. Both amounts were taken via a XXXX transaction and the notes on the debit line had my name, so it looked like I transferred money to my own account. I hadn't even set up XXXX with my business account. Someone had hacked my password, entered my bank account, set up XXXX with their phone number and transferred funds. Whomever the person I was speaking to was in my account as they knew transaction amounts and the total amount of money in my account without me saying anything. Again, this is why I believed that it truly was my bank. I alerted the police. They advised me to work with my bank and that they would do what they could to help, but that Chase bank isn't helpful with police and often use the phrase that they can't give out any information due to protection of the clients. I immediately called Chase bank and they confirmed that they had no notes in their system of a phone call and they also alerted me that Chase bank doesn't text it's members ever. For the next week I spent countless hours calling Chase bank, being transferred to numerous different people. Each of them all told me different things, but it all came down to they blame XXXX and XXXX says its the banks issue. I called XXXX and they wouldn't help either. I called a local Chase branch and made an appointment with a local advisor for XX/XX/2021. She was very sympathetic and agreed that I wasn't in the wrong and that this needed to be escalated to a supervisor. She said she would do that and follow up with me the next day. I never heard from her again. I also emailed her on XXXX XXXX, 2021 to check status and she never responded to that either. I have begged, pleaded and told my story to 20+ people whom work for Chase Bank and none of them helped me in this situation. They said it was my fault even though I wasn't the one who set up the XXXX account or authorized any money to be transferred to any accounts. I was a victim of fraud in the amount of {$10000.00}. As a XXXX XXXX XXXX who at the time had only been open for 2 years, this is a huge loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: TX

Complaint narrative:
Date Assigned XXXX XXXX, XXXX Account Number open Fin Cr Netwk Original Amount Owed {$150.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My XXXX statement had a balance of {$260.00} reflecting a {$45.00} made on XX/XX/XXXX. The minimum payment for the month according to the Comenity statement, due on the XXXX XXXX XXXX, was {$37.00}. I noticed a promotional balance for a previous purchase 's promo rate expired on the XXXX XXXX XXXX for {$110.00}. I sent $ 120 days afterward that didn't post until the XXXX XXXX  XXXX. I realized that was much later than I intended so on the XXXX XXXX XXXX I called Comenity to see what the status of the account was. I was told that only {$5.00} of my {$120.00}, my second payment in under thirty days, was applied to the plan with the outstanding {$100.00} that expired the month of XXXX and that the entire rest of it would be applied to a plan that expires in XXXX. When I asked about how this breakdown was justified when I enough to cover the minimum payment, the expired plan and then some and everybody Inspoke with just kept repeating how they work on " billing cycle dates ''. But when I asked for a breadown of how my payment would be applied I was told that information couldn't be seen by a customer service MANAGER until the XXXX XXXX  XXXX. My payment due date for XXXX is the XXXX. How is it they can immediately apply my payments in a way that maximizes what Comenity can collect in fees and interests but can't tell me how that was applied until after the due date? I feel my intelligence is insulted and my payments were maliciously applied when I've sent them on time to minimize my debt. This is an unconscionable, deceptive, unethical, and willfully punitive application of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Lincoln Educational Services Corporation
State: CT

Complaint narrative:
I have a student loan from Lincoln tech XXXX  XXXX XXXX {$3500.00} from spring of 2021. They use their own lender called XXXX. I started by having auto payments taken out of my account monthly. My problem is I had no receipt or statement billing statement sent to me. So I canceled the auto payment ask the company to send me monthly bills in which I can send a check in order for proof of payment. My problem here is I never get my statement of what is built what is old what Ive been paid I have to call monthly in order to get that. If I forget to call XXXX XXXX  then they called me in which I ask for a bill to be mailed to me. Then I pay by personal check. They are not sending me anything monthly but harassing me saying they are going to send to collections or to the credit bureau I would like help on what to do in the situation even though I contact the lender. Is it my Responsibility to call every month in order to receive my bill and even when I get my bill it just shows me the amount that is owed to pay no other details. When I last spoke with the XXXX Representative he has told me I am not the only person who has been having this problem he also said that there is a website I can go on to see this but does not have that information of how I can login when I called Lincoln tech today its XXXX  and XXXX told me he does not have that information does not know about that. I uploaded all bills I have received since having this loan. Is this legal for a loan company want payment yet they do not sent monthly statements on what is own and what has been paid. I have other bills where I can go on their website or get my statements every month. I would greatly appreciate someones help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is reporting on my credit that I have an account with XXXX XXXX  I have no knowledge of that account at all. I contacted both TransUnion and XXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
TransUnion also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why TransUnion would say I do. 
Also XXXX is reporting a fraud report and so is XXXX XXXX and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.

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 2022-09-07 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: NY

Complaint narrative:
XXXX is reporting on my credit that I have an account with XXXX XXXX I have no knowledge of that account at all. I contacted both XXXX and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with XXXX XXXX XXXX I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also XXXX is reporting a fraud report and so is Experian XXXX and Experian have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
I opened account at my local Umpqua Bank XXXX the XXXX because I took out a lawsuit loan from XXXX settlement loans to able to receive the wire transfer. My partner and I were in court for a XXXX weeks and had to borrow a lot of money to get through those XXXX weeks of not working. I received the transfer on XXXX for {$8000.00} with no problems, I was going into the bank withdrawing {$1500.00} - {$2500.00} each day then on XXXX the XXXX of XXXX I received the second transfer from XXXX for the same amount when I attempted to pull money out the manager from the Umpqua bank in XXXX Washington told me the money transfer was still pending and it wasn't available until the coming XXXX. What she didn't tell me was that she froze my account and still hasn't given any information as to why. On XXXX the XXXX I went to talk to her gave her copies of the loans and receipts from XXXX confirming the XXXX transfers were loans to me. I haven't been able to go to work because I have no money I told the manager that and she asked me how much I needed I told her XXXX she then Tells me she's sorry but can't.

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 2022-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I purchased this car in XXXX. The amount I owe isnt correct. This car was repossessed in XXXX due to me not being able to make payments. They keep re-aging the dates and the account is open. This has been on my account for 6 years. I have tried to get this disputed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Checking Account had a withdraw of {$8500.00} from Chase Bank Employees claim to have closed the account without notice, letter, text, call, etc. 

Internal Theft Chase claim someone took the money from a local bank and closed the account. Internal Theft Chase claim someone used a debit card in XXXX XXXX. Internal theft of Chase claim a check was mailed to me? NONE OF THIS HAPPEN. 

Chase left me without medical care, medication, food without resolution for over a week and threaten to reverse other chages from another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CA

Complaint narrative:
Accordance with the fair credit reporting act XXXX acct # XXXX was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Date Assigned XX/XX/2019 Account Number Open PORTFOLIO Recovery Original Amount Owed {$440.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
After the CARES act went into effect in 2020, I called Navient on XXXX/XXXX/2020 to ask what I could do as I have 2 FFELP loans and they say federal in the title. I was told it's considered a private loan even though it's federal protected but it's not a federal student loan and that I didn't qualify under the CARES act. I asked if there was anything I could do to essentially have the loans to be considered a DE federal held/serviced loan. They said I can refinance my loans but that won't make them federal but it will make them private and may reduce my payments. 

I told them I did not want this option as that did not make sense for me to do. 

However, I just learned that I could have consolidated my 2 FFELP loans into a Direct Consolidation Loan which then would make them fully federal loans and as such this would have made me eligible for the CARES act and received the 0 % interest during this time and I could have not had to have been having to pay for my loans without penalty. 

I've been paying for the past 2 years with interest on something that I didn't have to if I was provided accurate information. Instead either by malicious design by the company ( to keep my loans with Navient and me paying ) or by accident ( agent truly was not educated or trained to this information ) and as such did not provide accurate and complete information to allow me to make an informed decision. I paid an additional {$2900.00} ( plus accrued interest ) in the past 27 months that I wouldn't have had to due to the CARES act. 

I'm very frustrated as if I had been informed of this option, I would have done just this back in XXXX of 2020 to save myself and my family money that we could have spent on our day to day living. 

I consolidated into a Direct loan this morning ( to be covered under the CARES act as well as the loan reduced under the Biden Administration 's Student Loan Debt Relief Plan ) but still upset that this should have been presented to me as an option back in 2020. That would have meant that I could have not had interest during this time ( increasing my student loan cost ) I would love for all the interest to be removed from my loan due to their inaccurate information. I called Navient to get answers, clarification, choices and was led astray and it costs us thousands.

Company response to consumer: Closed with explanation