vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I believe that it is a fraud. The name of the company is phoenix financial XXXX. They called me using the phone number of XXXX with my name and asked for my date of birth for verification. I asked why, and they told me that it was about a medical transportation bill with the correct hospital names, which I did stay in during that time. They said that I still owe them the fees for transportation, and I asked them why since I believe my insurance took care of it. They told me that the insurance paid their balance but I still owe mine. Then, they directed me to a website of www.phoenixfinancialsvcs.com to pay. When I went into the website I was told to click the pay your bill online button. After I clicked it, I was directed to another website of XXXX/phoenixfinancialXXXX Then I was told an account number and to click the continue button after typing in the number. I saw a balance but no corresponding bill. When I asked for the bill, they just hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axela Technologies, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I receive a note on my door showing an intent to file a lien on my home. I never received a verification letter. On XX/XX/XXXX the company received a validation letter via certified mail from me. At the end of XXXX i receive another letter stating that the company started the process to place a lien on my home after never responding to my letter. I called the company stating they never responded to my letter and sent the receipt showing of when the letter was mailed with the tracking number showing when they received the letter. This company then sent an email with information 99 days after receiving my letter and is still trying to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I applied for an account at a credit union. Shockingly, the credit union denied my request to open an account stating that I had to contact Chex Systems. 

I attempted to obtain a report from Chex Systems online but the website did not work. 

I would like to see my Chex systems report so that I can identify what information they provided to the credit union. 

I would like to obtain a report from Chex Systems as soon as possible. 

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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
this GENERAL MOTORS COMPANY credit account has been charged off. so this means that GENERAL MOTORS COMPANY has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681XXXX ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of 1933 and 1934.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute on XX/XX/23 due to the inaccuracies on my credit report in regards to my XXXX XXXX account. There are different things reported on this account with each credit bureau. Attached is the records in regards to this. Each credit bureau should be reporting the same things.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet did not provide me with an answer for my recent inquiry. Nelnet 's answer was for another or previous inquiry and they are not the same. 

I would like to know how many cumulative years I have been on the income driven payment plan and similar programs since I still have XXXX student loans that must be paid. 

I am trying to find out about my eligibility for a discharge of my XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to address a matter of utmost concern to PORSCHE FINANCIAL SRVC regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that PORSCHE FINANCIAL SRVC conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 15 U.S.C 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 by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
DISPUTING BECAUSE THIS DEBT IS NOT MINE I DO NOT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. 

I am not liable for this BUSINESS debt with SMALL BUSINESS ADMIN, I do not have a contract with SMALL BUSINESS ADMIN, they did not provide me with the original contract as requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my Bank of America account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called B of A 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " Bank of America '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/XXXX and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at Bank of America and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY BANK OF AMERICA ON XX/XX/XXXX AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a Bank of America as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. 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 explanation
Consumer complaint received 2024-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My credit card failed to folIow its own procedures in a dispute about a fraudulent {$650.00} charge by a third party hotel reservation website. See attached XXXX document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I am in the process of selling my home, which was paid for with a VA loan. The loan was originated at XXXX XXXX XXXX. I accepted an offer on my home in XX/XX/XXXX from VA buyers intending to assume my loan. On XX/XX/XXXX, my loan was sold to Mr. Cooper. On XX/XX/XXXX, the buyers walked due to a complete lack of communication from Mr. Cooper about the status of the loan or the assumption process that we had been engaged in for nearly four months. I then listed the house for sale again and accepted a new offer on XX/XX/XXXX from VA buyers. On XX/XX/XXXX, we and the buyers emailed the Welcome Packet as instructed by the forms ( including the 3rd party authorization form, assuming party questionnaire, selling party questionnaire, and required identification like social security numbers ) to Mr. Cooper and XXXX XXXX XXXX  with all required information and documentation. It is my understanding that Mr. Cooper has 3 business days to send us a loan estimate and follow up with any additional requests for information in order to render a loan decision within 30 days. The first deadline has been missed and the second deadline is approaching quickly. 



We have not been able to reach a point of contact at Mr. Cooper. Mr. Cooper has disabled its online chat support function since XX/XX/XXXX. When we call customer service, it only loops through automated options with no option to talk to a human customer service representative. The automated options do not include anything about assumptions. The automated options only route us to XXXX XXXX XXXX, who refuse to speak to us as they no longer service the loan. They route us back to the same customer support line at Mr. Cooper. We have found 3 different email contacts at Mr. Cooper, XXXX, XXXX, and XXXX, and we have emailed each account with a summary of our transaction, requests for information, and status. We have not received a reply from any of these email addresses. 


We are extremely frustrated with the lack of communication from Mr. Cooper, which has led to us losing one buyer already and has stalled progress with our second buyer. We believe Mr. Cooper is not fulfilling its obligations to service VA loan assumptions granted as a right to U.S. veterans, evidenced by their lack of communication and tardiness in responding to the applications and materials we have sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation