vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: PA

Complaint narrative:
I have a mortgage with Loancare , LLC. In XXXX, XXXX the company updated their payment site. This is the portal where the company accepts payments. When they did this, the company completely stopped recognizing my banks routing number and account number. I called the company at least twice to report this. The companys representatives told me on both occasions that this was a technical issue that would be resolved shortly. I was unable to make my monthly payments in a timely fashion via their portal and instead needed to make them over the phone. 

Now, again, I am still unable to make a payment. The process of calling and making a payment over the phone is cumbersome and has now caused me to make payments in the grace period since XX/XX/year>. 

Can you please have the company fix this The second issue is that the company does not accept debit card payments on their site or over the phone. This is the fastest and easiest way for consumers like me to make payments. 

Can you please ask the company to amend their payments to accept debit card payments?

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 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I never received any information about continuing to pay my loan off during the payment pause for covid 19. During this time, from XXXX of XXXX through XXXX of XXXX, I continued paying my minimum payment that was due every month because I was under the impression that the life of my loan was going to be extended if I didn't pay. They continued to deposit this money every month without notifying me via mail or phone call or email that I didn't need to pay. During the summer of XXXX I applied for loan forgiveness. I spoke with multiple people at Mohela during this time and all of them stated that I would be reimbursed for those payments because I didn't need to pay them and that the federal government had a policy for repayment. They told me to wait for my loan to be forgiven ( I had applied for XXXX and was in the process of waiting ) because I had already made over XXXX payments. They all assured me that I needed to wait out the process and then fill out the appropriate reimbursement paperwork after my loan was forgiven. I called to follow up again in XX/XX/XXXX and during this phone call they told me that my loan was officially forgiven and that they will reimburse me for XXXX payments ( because I made XXXX payments ). During the same phone call they also told me that the window for applying for reimbursement for payments made during the covid payment pause closed in XX/XX/XXXX and that I can no longer apply for reimbursement. This company deposited all my payments from XX/XX/XXXX through XX/XX/XXXX and the amount they owe me is approximately {$13000.00} ( they reimbursed me for my last XXXX payments ). Every time I have called since, they try to transfer me to a supervisor. I have never been able to speak to one. I have left my phone number for call back multiple times and have received no follow-up. They are at fault because they never should've taken my money to begin with. They didn't send any written documentation explaining the payment pause and they failed to notify me during multiple phone calls that the window for applying for reimbursement was closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I pulled up my personal credit file and discovered an item being reported as in collections. Filed a dispute with the credit bureau as I have no knowledge of this debt nor have I received any formal communication from nither the creditor and/or the debt collection agency. 

Have never contracted with the creditor XXXX XXXX XXXX for any TV services.

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 2024-03-04 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: CT

Complaint narrative:
I am writing to dispute unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be unauthorized. These inquiries are not associated with any applications or transactions I initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
THIS IS NOT A REPEAT OF MY OTHER FILING AGAISNT THIS COMPANY, THIS ARGUES AGAINST ENTIRELY DIFFERENT ASPECTS OF FIRST INVESTORS. PLEASE DO NOT REMOVE OR DELETE THIS!! 

I called First Investors to make a payment on my loan : -I asked them why in the world after I redeemed my vehicle and am only one payment behind are you trying to take my vehicle? I was told " It appears that your account has out been updated and this can take several months. '' I was this very hard to believe since this loan was redeemed almost two months ago and in this age of internet and electronic push button databases. Why the on purpose delay? 

-I was read some biolerplate legaleze statement after I paid my $ XXXX  monthly payment. " Repossession can stil occur, please call us immediately if this occurs. '' Used vehicles in this economoy are held in higher value with inflation. It is my belief that is a veiled attempt to form a constructed repossession, poor customer service, and displays their motive in wanting to act in bad faith to steal my property and delay/stall tactics to push for the auction/sale of the automobile and to find a way out of their loan agreeement with me. 

-They furthermore act in bad faith by not updating my customer web portal account. I was free access to my account so that I dont have to get verbaly berated and abuse by their call center staff. 

-Finally, First Investors has another aspect of cosntructive repossession : They only have four hour phone access to their customer service during a weekday, limited to one time zone. This is to create a burden on the consumer and increase the opportunity for a tow truck third party to steal people 's vehicles and then not give the consumer a decent chance to redeem and cure any late payments.

These deceptive business practices/acting in bad faith needs to change - CFPB need to place sanctions through the Court to bring First Investors into consumer law complaince.

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 monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/24, Chime deducted {$450.00} from my account, for a " Web Upgrade ''. They will provide no information regarding this bizarre charge, and when I attempted to dispute it has fraudulent, they told me I can not report fraudulent charges, and forced me to close my account instead. They've stolen XXXX from me, and will not allow me any form of recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of XXXX XXXX. XXXX || Date of XXXX XXXX. XXXX || Date of XXXX XXXX. XXXX XXXX || Date of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed inaccurate and incomplete information on my reports for over 1 year since XX/XX/year>. The credit reporting agencies has failed to do a proper re/investigation. This violates my consumer rights. As a consumer, I have the right to dispute any inaccurate information on my credit report, and the credit bureaus must investigate your disputes promptly. 

See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 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 2024-03-04 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: Experian Information Solutions 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 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 2024-03-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XXXX I received a letter where you are trying to collect a debt, I do not nothing about that owe I thing that own do not belong to me. I'm not the person you looking for. please you can contact me by call or email. phone number is XXXX email XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrucciones

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX - XXXX/XXXXXXXX {$590.00} ( I provided documentation the supports this account was opened fraudulently ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$770.00} ( I provided court documentation that I am not legally responsible for medical debt per court order ) XXXX XXXX  XX/XX/year> {$790.00} ( requested account validation ) XXXX - XX/XX/year> {$1600.00} ( requested account validation ) XXXX XXXX XXXX - XX/XX/year> {$3100.00} ( requested account validation ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$4800.00} ( I provided court documentation that I am not legally responsible for medical debt per court order ) XXXX XXXX XXXX XXXXXX/XX/year> {$4800.00} ( requested account validation and signed contract, document provided is not my signature or correct address, it was computer generated )

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 2024-03-04 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
XXXX XXXXXXXX is reporting ino accurate info. someone stole my identify and opened a fraudulent accounts.

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 2024-03-04 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: PA

Complaint narrative:
XXXX XXXX  is reporting ino accurate info. someone stole my identify and opened a fraudulent accounts.

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