vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
My escrow amount changed on XX/XX/2023. 
for my truist mortgage my mortgage amount went from XXXX to XXXX I pay on auto draft. 
I didnt realize the change. 
I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. 
In XX/XX/2023 I got a phone call from Truist saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. 
In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. 
I was on the phone with the bank for 1 hour and got confirmation of my new amount. 

It was also my understanding that I had a {$25.00} dollar offset. 
So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. 
I got a letter from my bank saying I never paid XXXX. 
I called them right away because I had the cashed check. 
They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. 
they reported me to the credit agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023, I purchased furniture from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - items purchased included a bedroom set ( King Size bedframe, 2 nightstands, storage bench, dresser, warranty on these items, delivery fee for these items ) and a living room sofa set. Less than 2 weeks into ownership of the bedroom set, my wife and I woke up at 3 in the morning because our bedroom crumbled beneath us while we were sleeping. Upon going into the store and requesting a refund for the bedroom set, they offered an even exchange to replace with a new set. However, I showed them on the showroom floor why the bed 's design is flawed and an even exchange would not be acceptable as the quality was not as advertised. After much back and forth with the store, they resisted giving us a refund so we filed a dispute with Synchrony Financial on XX/XX/2023. I kept communication with the store and continued to leave honest, yet negative reviews, on their social media so they finally agreed to refund us for the bedroom set and pick up the items over over multiple days in XXXX. The items were all removed from our house by XX/XX/2023, however, as of XX/XX/2023, no refund has been processed for the items that we are no longer in possession of. I called Synchrony Financial Services as I noticed my auto-pay was getting ready to process from my account on XX/XX/2023 and they explained they closed my dispute altogether because the store did not respond to their inquiry. The only option Synchrony gave me was to open a new investigation as of today with different verbiage around the items not being delivered. I asked them to raise an executive complaint about this to which they responded that they do not have an escalation process to get complaints to executive management. Our current balance with Synchrony Financial is {$5600.00} when it should reflect the reduction for the cost of the bedroom set ( {$4300.00} ) so our balance should only be {$1200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I contacted Great Lakes regarding my Bankruptcy and that I was ordered into repayment of $ XXXX because of the student loans which I have been paying for several years and Great Lakes is also wanting to me to repay them also the $ XXXX. 
I sent Great Lakes the Bankruptcy Order of repayment. My student loans with Great Lakes were put into Default and now sent over to Nelnet and I must set a up a payment schedule. 
I am still paying the court order bankruptcy repayments as ordered by the Bankruptcy Ordered to pay off the Student Loans. However, by setting up a payment scheduled payments with Nelnet I would be paying double the amount. 
I Filed Bankruptcy in 2015 here in district of XXXX of Florida and submitted my repayment and court ordered repayment to Great Lakes a couple of years ago and to date have never received any response. I have also talked to them on the phone a few years ago and they have told me that as far as they were concerned, they have no records of the bankruptcy, and I must repay all student loans. 
I also enrolled at XXXX University Online under the guise that I was taking courses for XXXX and XXXX XXXX and that was not the case. After many inquiries after a couple of years of them telling me to continue taking classes and the classes would get to the XXXX XXXX and XXXX one person finally told me they did not offer XXXX XXXX and XXXX at their college. They deceived me and signed me up for courses I was not interested in and beyond my scope or educational background.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I recently received a phone call from Paypal explaining that my funds were not with Paypal. I also received a letter explaining why my I never received my refund. The letter stated that it was because I did a chargeback on the issued refund, which is not true as I did not have access to this card due to it being closed more than a month before the refund was issued. I began a claim with XXXX XXXX and they told me that although they did receive the refund on XX/XX/2023, they sent it back because they don't keep money for closed accounts. On XX/XX/2023 they sent the money back to Paypal, the reference number for this return is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Equifax ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: NC

Complaint narrative:
i contacted XXXX and asked them to do an investigation into the inquiries on my report because i had not given consent or signed anything for anybody to check my credit report i put a fraud alert on my report and they supposedly did an investigation for a couple of hours and emailed me that the information was verified and accurate and i know that is not correct at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i contacted XXXX and asked them to do an investigation into the inquiries on my report because i had not given consent or signed anything for anybody to check my credit report i put a fraud alert on my report and they supposedly did an investigation for a couple of hours and emailed me that the information was verified and accurate and i know that is not correct at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights. XXXX XXXX XXXX XXXX account number XXXX. XXXX account number XXXX. XXXX account number XXXX. XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. XXXX account number XXXX. XXXX XXXX XXXX  XXXX account number XXXX. XXXX XXXX XXXX account number XXXX some of these are duplication and is really affecting my credit. In 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian been holding negative reporting close accounts on my credit report that I no longer need. All the accounts are closed in the negative reporting information is affecting my ability to get a house. These accounts close during the years of the XXXX which drastically affected my ability to keep these accounts open. Ive been repairing my credit ever since then, but Experian just wont remove these accounts. And to me, it isnt fair. So Im here to solve this issue. In these counts shouldnt be held on my credit report for over at nine years thats not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I'VE SENT LETTERS TO XXXX XXXX ASKING FOR DEBT VALIDATION INFO, THE WET INK SIGNATURES THAT BINDS BOTH PARTIES TOGETHER IN THIS CONTRACT BY CERTIFIED MAIL, EQUAL CONSIDERATION ( SHOWING THAT THEY PUT UP THE MONEY THAT WAS LOANED TO ME FOR THIS MORTGAGE. FULL DISCLOSURE THAT I WAS THE ACTUAL PERSON FUNDING THE MORTGAGE. IT IS MY UNDERSTANDING THAT MY SECURITY COLLATERAL IS OWED SECURITY INTEREST THAT PHH IS REFUSING TO PAY IN THE FORM OF SETOFF OF MY MORTGAGE PAYMENTS PER XXXX SECTION 16- PART 1 AND 2, AS DESCRIBED IN NOTE ISSUES, SECTION 29 AS IT PERTAINS TO CIVIL MONEY. IT IS APPARENT TO ME THAT PHH, XXXX AND XXXX IS COMMITTING SECURITY FRAUD AND HAS BREACHED THE CONTRACT. I DO INTEND TO EXPOSE THIS FRAUD AND PURSUE ANY AND ALL LEGAL RAMIFICATIONS WITHIN MY POWER I TRUSTED THAT GOOD FAITH WAS BEING PRACTICED AT THIS INTIAL CONTRACT SIGNING BUT I CAN CLEARLY SEE THE DECEPTIVE AND PREDATORY PRACTICES THAT PHH ARE ENGAGING IN. I HAVE WRITTEN XXXX XXXX CLAIMING ALL TITLES, RIGHTS AND EQUITABLE INTEREST. I SHOULD HOPE THAT THIS COMPLAINT WILL FORCE PHH AND ALL AFILLIATE COMPANIES CONCERNING THIS MORTGAGE TO FOLLOW THE LAW GOING FORWARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
THIS WILL BE THE THIRD REQUEST FOR XXXX TO REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES. THE PREVIOUS ATTEMPTS EXCEEDED 30-DAYS BEFORE RECEIVING A RESPONSE, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter finance deleted from XXXX but did not delete from XXXX or XXXX Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: NC

Complaint narrative:
i contacted equifax and asked them to do an investigation into the inquiries on my report because i had not given consent or signed anything for anybody to check my credit report i put a fraud alert on my report and they supposedly did an investigation for a couple of hours and emailed me that the information was verified and accurate and i know that is not correct at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX someone opened up a credit card from kohls in my name without my consent. I saw it on my report later that month and tried to dispute it but at first I couldnt bc they also created an XXXX and XXXX account in my name until I was able to call and change the password. I finally was able to dispute but the dispute was completed and its still on my account and they spent {$770.00} on that card. Please remove it from my credit report I have nothing to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company is reporting an unauthorized account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit line with XXXX and I sometimes use this credit line for emergencies. On XX/XX/XXXX I received several notifications of fraudulent purchases being made on my XXXX  credit account and I immediately launched an investigation with the company. It seems that these purchases caused a hard inquiry on my credit which I did not authorize. The purchases are still being investigated by XXXX, but this is now affecting my credit score, which I have fought hard to keep clean.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are numerous accounts that I dont recognize and never had business dealings with. Ive tried to remove them for several years but XXXX keeps allowing these companies to reappear as new. Its a violation of my privacy to start with, as I do not know these companies and have never given them authority or consent to my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( XXXX ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but capital one bank and capital one XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.

Company response to consumer: Closed with explanation