vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my XXXX XXXX account and notice that I have a hard inquiry on my personal credit report. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry. TransUnion told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and they told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with fraud alerts. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have never had an account with Capital One and they are sending me bills that are not mine. I am XXXX and a documented victim of identity theft. When I call their phone numbers their representatives put me on hold and don't return to the phone calls. I am refusing their mail from this point forward because they have the wrong person and have never provided the original contract and arbitration agreement that an account holder would have signed to verify that this debt is mine, because there is no original contract due to me never having an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-12-19 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am a XXXX woman, a XXXX XXXX  once and currently my XXXX has XXXX  and I am in the process of eliminating it with XXXX  and surgeries. In less than 6 months I have had XXXX XXXX  and taken XXXX. I am a single woman, without children or family, I work hard to survive but since XXXX when I was diagnosed with XXXX  while I had XXXX my life has been very difficult, most of the time working and in hospitals, therefore I have fallen behind in paying my Mortgage, California Relief helped me pay once, after that my payments continued and when I thought the battle was finally over, the XXXX XXXX  at the end of XXXX, the doctors forbade me from working for most of XXXX so I could have the XXXX and having my XXXX, I asked SPS to give me a forbearance and they only gave me repayment options with high payments that I could not pay because I was not working, I sent them tests from my hospital and letters from doctors and they kept giving me repayment. 

Currently I will return to work in XXXX while I take my treatment because my expenses have accumulated and I want to avoid losing my house, I applied for a modification and on XX/XX/XXXX I was approved for a repayment plan with payments of {$6000.00}, I don't even make that amount of money, I survive on a low salary and help from the government, there is no way I can make those payments and I don't want to be on the street while I continue the XXXX XXXX XXXX, please help me get a Modification with a lower payment. I have even been thinking on going to the TV to see if possible they can hear me in that way as i have sent several proof of my illness and they just ignore them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I pulled my credit report in XXXX and noticed an account I didn't recognize. I reached out to the company National Credit Adjusters about the debt. In a letter I sent certified mail ( Tracking Number XXXX ), I told them, I was unaware of the debt and requested them to provide notification of the debt to me with a TRACKING NUMBER and signed postage receipt acknowledging that I was made aware of this debt. I also stated that having an opening date on my report is a misrepresentation as I have never done business with this company nor received a service. I do not have a contract with nor did I authorize NCA to obtain my information. Obtaining this information without my consent is a form of Identity Theft. 

In the letter, I also asked for the Forward Flow Agreement/Original Purchase Agreement with the ORIGINAL CREDITOR signed by all parties involved. I requested this, because I have had multiple companies reach out to me about this same alleged debt. 

Finally, I stated if you are unable to provide this information, you are required to cease all collection efforts and remove any references to this debt from my credit report. 

It has been over 60 days, and I have not received any of the above requested information. I am asking that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a dispute against RentDebt Automated Collections regarding an alleged debt of {$2400.00} that has been attributed to my name. This communication is to seek your assistance in resolving this matter and ensuring that my rights are upheld under the Fair Debt Collection Practices Act ( FDCPA ). 

To date, I have not received adequate validation of this debt from RentDebt Automated Collections despite my formal request. To clarify, I have requested the following information from them : Validation of the original creditors name and address. 

A detailed statement of the account in question, including how the amount of {$2400.00} was calculated. 

Copies of any agreements or contracts that led to this alleged debt. 

Proof that their company has the authority to collect this debt on behalf of the original creditor. 

Despite my efforts, these requests have gone unanswered, leaving me in a position where I can not confirm the legitimacy of this claim. Moreover, I am concerned about any adverse impact this may have on my credit report or financial standing while the matter remains unresolved. 

I kindly request that the CFPB review this matter and investigate RentDebt Automated Collections to ensure that : Adequate documentation and proof of the alleged debt are provided. 

All collection activities and reporting related to this debt are suspended until its validity is confirmed. 

My rights under the FDCPA are respected throughout this process. 

I believe that your involvement will help expedite the resolution of this matter and ensure that all parties adhere to ethical and legal standards. 

Thank you for your attention and assistance. Please feel free to contact me at the above-listed email if you require any further information from my end. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
I enrolled approximate 5 years ago for credit repair. Nothing was changed. No improvement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
100 % total and permanent XXXX  with so many hits on my credit. 
None of the crddit except for the car loan was actually me and resulted in debt added. 

My health have barely allowed me to love let alone have so many inquiries. 

The only credit that was tried was to obtain housing as the veteran was harassed in her home while trying to focus on her health. 

I was approved for home loans but never able to get a loans. 
The car is being used as a home as this is the only loan the veteran was able to obtain

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
synchrony bank has every intention of refusing to accept payment in full and adding fees and charges to continue demanding payment after the account has been paid in full. synchrony bank refuses to issue a final payment agreement with the intention of stringing along an extortive relationship. synchrony bank uses deceptive ploys to avoid resolution of the account such as falsely claiming to not be able to find the account or using my attempts to discuss and resolve the account as information fishing opportunities; refusing to discuss any account information unless I give them personal information other than my account number, name and phone number. these are not honest business practices and not oriented to account security in any way ; this is extortive and part of a consistent pattern of criminal behavior by synchrony bank. I am trying to pay off a debt to protect myself from a criminal organisation masquerading as a legitimate business. synchrony bank refuses to allow me to pay the debt at its actual value and release me from any business relationship with them. their intention is to continue to extort, defamate, harass and thieve as they have demonstrated is their business model.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Debt collectors are not reporting my payments. I am currently making monthly installments on every debt listed on my credit report. However, when I apply for credit, my report shows delinquent accounts, which negatively impacts my chances of being approved. My FICO score is higher than my bank score, but financial institutions are stating that my delinquent accounts need to be settled, even though I am making payments. The debt collectors are not reporting my payments accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is the people I would like to complain about. 

I had a paypal account that i had for many years, and I suddenly started getting these fraudulent requests for refunds. They created complaints against me with PayPal, saying I didn't send them the goods they paid for and never recieved ( i wasnt selling those goods or anything for that matter ), or I broke into an apartment ( in a XXXX  when I live in XXXX  ) and stole items from him. There were multiples of these, and their money was never deposited into my account. There was later two transactions that paypal had put on hold and never released funds into my account and paypal still refunded their money. It's like these transactions were done and immediately went to complaint status. I contacted paypal on each of these, gave them transaction history to show that i never recieved funds from these people. They automatically sided with the buyer and gave them the refunds, taking money from my account that had XXXX dollars in it. Now I am XXXX XXXXXXXX, and they have been calling me three times a day, after i spoke with them about the situation, and now I have a notice that they are sending me to collections. When I reported these issues via phone, paypal message, or a response to the buyer complaints. They were rude, on the phone, didn't look at evidence, respond to my messages, or give a XXXX about the seller. I even told them that I was being scammed. When they called for the pay back they demanded half, they would not budge to even try a payment plan. 

I am so frustrated, I will avoid dealing with them at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint to US BANK for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.

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 2024-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Requested a XXXX XXXX XXXX of XXXX signed contract I made with this company. Have yet to provide anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my 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 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Santander consumer USA regarding my car loan, which I recently paid off. Despite fulfilling my payment obligations, I made an additional payment by mistake and have not received the refund for this amount. 
Upon contacting XXXX customer service, I was informed that the refund check is considered lost in the mail and there is speculation that it may have been stolen. I was told that once the check is cashed, Santander would not be responsible for any losses incurred, which I find unacceptable. 
Additionally, I have faced numerous challenges attempting to resolve this issue due to poor customer service. My calls to the bank often go unanswered and the online chat feature routinely disconnects after being on hold for XXXX minutes. This has made it exceedingly difficult to follow up on my case or to receive any clear information. 
As there is no reference number associated with my claim, I feel that my situation is being neglected without any avenue for proper resolution. I am very frustrated with the lack of responses and resolution from Santander Bank regarding my funds. 
I kindly request that the CFPB investigate this matter to ensure that consumers like myself are treated fairly and that our concerns are addressed promptly. 
Thank you for your assistance in this matter, and I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief