vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: GA

Complaint narrative:
InXX/XX/2019 a one year lease with a family member was contracted with XXXX XXXX XXXX. A background check was done and security deposit with administrative fees paid prior to move-in. Six months after our tenancy, the property manager, XXXX, permitted her boyfriend to live out a lease of a neighbor across from me and let him have an assigned parking space. On XXXX XXXX XXXX, due to tenants holiday guests, I had to park in guest parking as I allowed a relative to use my assigned parking. The property was poorly lit and I mistakenly parked in the property manager, XXXX boyfriend ( illegal ) parking space. The property manager towed my car. That created a toxic dynamic for the duration of my lease, and may be the motive behind this false debt collection notice as XXXX, the property manager was terminated a couple of months later when I complained about her towing my car to an agency for housing discrimination complaints. 
My relative/roommate moved out after 9 months and two more family members moved in and was added to the lease for the remaining three months on the lease. When the year lease ended, I returned the key ( s ) and had the carpet shampooed and had photos of the apartment left in good condition. I also provided a forwarding address for the management per their request. Now many years later, the first 2-3 years I lived in a neighboring community and now I live in another State, I received a notice of a debt that is false. The law office, Kimball, Tirey and St. John LLP, mailed a document of false charges and request me to reply to the false debt associated with a tenancy that I left in good standing. The apartment I moved to after I left XXXX XXXX verified that my family and I were in good standing as well. To wait many years to create false charges is identity theft, a scam and/or both. The property manager, XXXX, who I spoke with to ask for the Owners contact information informed me she will be terminated if she gives the Owners information. The Owner and property manager ( s ) may be treacherous corrupt businesspersons, abusing the system by rigging prior tenants information to extort money and using false charges of damages that can no longer be substantiated due to many years having passed and records being lost over so much time. My contract with XXXX XXXX was fulfilled with {$0.00} outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-02 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:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX  Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ***INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted an Income Repayment Plan/SAVEs application as student loan interest and repayments were about to start in XXXX. I submitted the application with all pertinent documentation. After a couple of weeks went by with no information, I contacted them via phone and the agent told me that the applications were being processed and they were very behind. I then received periodic emails stating that my application was in queue and another message stating that my application was put into forbearance and saw that almost {$500.00} in interest was added to the loan balance. After reading a few online forums in which several borrowers were stating that Nelnet wasn't properly communicating what was going on, I ended up calling again on XX/XX/XXXX to find out there was something manually that needed to be processed. So after waiting two hours to get ahold of someone, it was supposedly processed and the guy told me to give it a XXXX days for processing. After not receiving any information, I decided to contact them again on XX/XX/XXXX and was told by the woman I spoke to that they were processing applications for accounts that were past due and that it was taking them longer to get to the others. I explained to her that I was accruing almost {$500.00} a month in interest and would eventually be more since it is compounding. She put me on hold for quite some time waiting for a processer to become available and she finally said they were able to get everything approved and " pushed through ''. Today, XXXX, I get another almost {$500.00} in interest and my account online still shows some administrative hold. Because of their lack of staffing or properly processing documents, my account balance has gone up {$930.00} and there's supposedly nothing I can do about that. I can not spend hours on the phone trying to get ahold of someone nor are they properly communicating with borrowers when something is missing or needed. They just arbitrarily put people on forbearance that is making balances balloon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc.
State: VA

Complaint narrative:
Veripro Solutions send us a notice recently dated XX/XX/2014 stating they were the new lender for the second mortgage. And that they will be contacting us where to send second mortgage payments. We never received any correspondence from them period about making mortgage payments. They alledged they send over XXXX correspondence that not true to us. I am asking them Veripro Solutions to provide copies of the correspondences, Also for them to provide to us are they a debt collector or a actual lender with their XXXX Number and a copy of the note recorded by Veripro Solutions on our property. Also requesting the XXXX XXXX for Veripro Solution to negotiate a reasonable settlement. I am asking CFPB to have the Federal Trade Commission to look at Veripro Solutions abusive collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The loan belongs to my father who XXXX  in XXXX. Went to pay off earlier in the year they refused. I am the owner at XXXX XXXX XXXX XXXX Maryland XXXX. This has been an ongoing issue since 2016 when father was alive. I need to pay off mortgage, or have the lein removed from my property. My investigation reveals that they are not a good company. As I ( XXXX XXXX ) am the property owner I have all rights to any and all bills regarding XXXX XXXX XXXX XXXX Maryland. This is under the law " 12 USC SECTION 1701 J-31 also known as the XXXX XXXX. 
Thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
to my consern iam writing to request the removal of unauthorized credit inquiries on my XXXX  credit report my latest credit report shows 12 credit inquiries i did not authorize Equifax 11 credit inquiries i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: MD

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 2023-11-02 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-11-02 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I went on vacation to XXXX in XX/XX/ with some of my friends. While we were there, looking for attractions to do in the area, I booked a tour of an XXXX farm, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$310.00} and scheduled it for XX/XX/XXXX. However when we arrived at the destination for the XXXX, it was an empty parking lot and not an actual farm. On top of that, I got no email or text message of anything about the tour or the location of the farm, and when I tried contacting the owner, which i attempted multiple times, he didn't respond or ever contact me further. I immediately contacted my bank, M & T about the scam charge and canceled my card. They said that they were gon na investigate the charge and issued me a credit. However, a few months later, on XX/XX/XXXX, the credit was taken back and they told me that they found nothing wrong with the transaction. After that, I scheduled an appointment in person with my bank and tried to dispute the investigation. A day later, the person I talked to called and said that they were unable to reopen the case. Afterwards, I tried multiple times to contact the owner of the XXXX farm, and after multiple days and phone calls I was finally able to. However, he said that he hadn't gotten the money back from the bank yet and that maybe it would come in at a later date. So I kept calling, and checking, left multiple voice mails and eventually he stopped responding and hasn't contacted me since. On XX/XX/XXXX, I went to my bank again and tried to get their help again and they said there was nothing they could do about it. However, they suggested filing a police report, so i put in a police report with the XXXX XXXX Police department. While filing the police report, I noticed that on the website for XXXX XXXX XXXX was different than the one originally listed that I had followed and that's listed for them on XXXX. However, I am incredibly dissatisfied with the lack of help from my bank for getting charged for a service I never received and never got contacted about.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On the morning of XX/XX/2023 I used my Chase debit card without any problems. A few minutes later i received a notification from my digital wallet that the card was removed from XXXX XXXX. I called Chase and was told the debit card was closed. I was transferred to another department who said the account was restricted and would be closed within 10 days. They told me I could transfer the funds to another institution or go to the branch and withdraw the funds. 

I logged into the Chase account to get the banking information so I could initiate a transfer to another bank. After I entered the information into the other banks site and tried to log into Chase again my online banking was locked. 

It gave me only 2 options call to unlock or close the box. When I called I was told there could be nothing going in or coming out of the account and they wont unlock. They said the decision is final. 

I have small children I need access to the funds. They said I would get a certified check in XXXX  days. I cant wait XXXX days. This is horrible and heartless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank/PayPal : During XXXX XXXX I filed a dispute with synchrony Bank on purchases that i made not on my account. I never heard from them again. I continued to make on time payments and on XX/XX/XXXX my current balance was {$100.00} which I paid and did not want the account any longer. Now i received an account summary stating that i owe {$350.00} after I paid the account on XX/XX/XXXX and made no other purchases. ( see document 4 ( I then seen other purchases on my account that I did not make. I called them and they stated that I made two additional purchases during the end of XX/XX/XXXX. I was then transferred to the dispute dept in which no one ever answered the phone for over an hour on 3 separate occasions. I was sent an email dated XXXX XXXX XXXX stating that they have noticed unusual activity on my account and need to speak with me.case ID XXXX ( see document 3 ) I called and spoke to a young lady and she refused to take the ID number and again I was left on the phone for a very long time in which no one ever answered. PayPal website site has a lot of scammers scamming their clients and making purchase on clients behalf. I can't even get an invoice they stated that I could not get an invoice due scammers. ( see document 1 )

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 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: CT

Complaint narrative:
On XX/XX/XXXX I received a derogatory remark on my credit report from a Zion Holdings, a company I never had contact with and never knew anything about. I inquired to them, and they stated that they bought an old alleged debt from XXXX XXXX XXXX alleging that I signed a contract on XX/XX/XXXX engaging I believe alarm services. After incessant text messages from them I demanded to receive the contract governing this transaction and after a few weeks I received this bogus document. The bogus contract does not bear my authentic signature and is a fraud, and I sent my actual notarized signature by mail to Zion Holdings, and even though they admit it is not my signature they will not release the derogatory mark, nor will they stop collection harassment including harassing telephone calls, and texts. The two key reasons why this is fraudulent and that Zion Holdings is not operating according to laws is 1. The debt is over 6 years old, and in the states of Connecticut and New York the debt is uncollectable, and 2. The original debt was never signed by me and the debt is a fraud and is invalid. The company, Zion Holdings, despite being provided incontrovertible proof that the debt is invalid, refuses to remove the debt or any collection proceedings and is not working and operating according to collection law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase closed my credit card account today ( ending in XXXX ). They won't say why other than 'unusual activity '. I have no idea what that means. My wife and I use the card for family expenses, definitely nothing illegal. OK fine, they can close our account, but THEY JUST CHARGED ME {$520.00} on XX/XX/XXXX of 2023 and they aren't refunding my annual fee or pro-rating it in any way. What??? Please assist me in getting my annual fee back for a card they won't let me use for reasons they won't disclose

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 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: NJ

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 : Account Name XXXXXXXX XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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