vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from Specialized Loan Servicing that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that Specialized Loan Servicing center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
SLS can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.

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 2023-12-11 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
About 2 months ago I noticed some fraudulent charges on my checking account from the XXXX store. I never had an XXXX  store account before so I called the bank and explained what happened. The gentleman on the phone and I came to the conclusion my card number had been stolen and he said he would work on getting my money back. He ordered me a new card after cancelling my old one and I moved on with my day. About a week or so later I noticed the money was back in my account for almost {$200.00} and accepted the fact they fixed the issue. 

I noticed today when checking my account I was {$170.00} in the negative on that same checking account and noticed they all said miscellaneous charge and so I called the bank to ask whats up. The woman I spoke to talked to her manager and they realized it was because when the investigation had concluded they deemed most of the charges not fraudulent they took the money back. They had sent me a letter about a week or so ago it but when I read it I didn't really understand what it was explaining other than 'investigation concluded no further action needed ' and just put it in with all my other mail and forgot about it. The woman explained there was nothing they could do the charges are valid. I explained again I do not have an XXXX store account and she said there was nothing they can do. I then explained how this made me upset and that I was cancelling my accounts tomorrow and banking somewhere else. She then told me to have a great night and thank you for banking with us and abruptly hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
Bull City Financial Solutions has been reporting inaccurate information to the credit reporting agencies and damaging my credit. I sent them notice to validate the debt, and I am still waiting on a response. The information is so damaging that I can not even rent an apartment because they have destroyed my credit. For the record, I have never done business with this company, and it is unfair to me and my family to have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: HI

Complaint narrative:
I purchased a new XXXX toyota XXXX minivan From XXXX XXXX XXXX toyota in california in XXXX. Yup when I purchased the Van. I also purchased a 10 year 100000 mile. Extended warranty from Toyota financial services. in XX/XX/XXXX I moved to Hawaii with my Van. and XX/XX/XXXX the Van to the dealer because the sound system stopped working. The dealer told me the amplifier needed to be replaced and ordered parts, but the parts were on back order. every 2 months or so. I've checked with the dealer. Only to hear the same reply that the parts are still backordered. I have now contacted Toyota Brand Engagement to try and get a resolution. Toyota brand engagement tells me they only deal with cars in North America. I am now left with a car with no sound system and no apparent revolution for the repair. So I have requested Toyota refund. The cost of the warranty plus some additional amount to compensate me for. The trouble i've been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  ) has put a hard inquiry on my credit 2 times with no consent. XXXX XXXX and XXXX XXXX XXXX Facts 2 is an unknown hard inquiry. XXXX XXXX XXXXXXXX XXXX XXXX XXXX is another unknown hard inquiry. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I need help with a relief payment returned by mortgage company.

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 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from XXXX XXXX XXXX that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that XXXX XXXX XXXX center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
XXXX can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.

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 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I received this VanillaGift as a gift and when I opened it, the card numbers were scratched off on the front. I can see the first XXXX digits and the expiration date, but nothing else. The back information is fine. 

I tried to contact VanillaGifts phone number ( XX/XX/11 ) and finally, after going through the automated service, they connected me to a customer service rep. The rep is requiring my name, phone number, email address, and mailing address, I assume to mail me a new card ( did not say ). 
They also went on to say they need pictures of : The front and back of my photo ID The front and back of the gift card The receipt, which I do not have since it was a gift. 

This is crazy and XXXX cant even use the various serial numbers or bar code on the back of this card to provide any information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NJ

Complaint narrative:
I had looked look on my Experian report and noticed an unauthorized inquiry that was from XXXX XXXX XXXX XXXX XXXX. And also XXXX XXXX XXXX on my Experian is given me a hard time removing the item off. Which was remove from my other reports. I had file a report with the FTC and got back a report number for all three items

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Mger 15 USC 1681 .

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OR

Complaint narrative:
On XX/XX/XXXX I went to ATM location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX. I request withdraw in the amount of {$1000.00} USD from machine. An error message appeared only momentarily and said hardware malfunction error -- your cash has been retracted. The money dispenser never opened and I never received money that I requested yet the ATM still debit my card this entire amount of money leaving me in a desperate financial situation, causing both emotional distress and physical distress, I have not showered in a week, I can't pay bills or even buy simple daily essentials to survive on. Nearly my whole benefit deposit is gone. Ok so first thing I do is go into the bank next day during opening hours. They absolutely do nothing for me, they tell me to go call the number on the back of my debit card and file a dispute ( with ) XXXX XXXX. I go ahead and do so but still over a week later neither XXXXXXXX XXXX nor XXXX XXXX has refunded my account. I call XXXX XXXX daily and there is absolutely no updates for me. I have repeatedly asked for a provisional credit to be applied to my account and they continue to draw this out as long as they can. My claims are not being taken seriously, there is a great deal of lack of urgency as this is not a small amount of money, this is a {$1000.00}. This is not ok.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I checked my credit report and noticed theres inaccurate information being reported on my account. I reached out to the collection agency and original creditor. This account is reporting and i dont have a contract with the collection agency nor proof of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
I HAVE DISPUTED INACCURATE/FRAUD CREDIT CARD ACCOUNT THAT IS REPORTING ON MY CREDIT REPORT. CREDIT BUREAUS WAS GIVEN XX/XX/45 TO PROVIDE PROOF FROM INVESTIGATION THAT THEY USED TO SAY THE DEBT WAS VERIFIED. CREDIT BUREAUS REFUSE TO PROVIDE ME WITH INVESTIGATION RESULTS OR TO REMOVE THE XXXX COLLECTION FROM XXXX XXXX XXXX XXXX XXXX AMOUNT OF {$26000.00}.

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 non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I've worked for XXXX in the past and wanted to use my XXXX XXXX XXXX towards student loan. Despite telling me that it takes 2-3 weeks to process the payment, MOHELA ( the loan servicer ) failed to process it after 1 month. Every time I called for the past month, they kept referring to the failed payment I made on XXXX ( which had the payment sent to the incorrect address ) although I already resubmitted a new and correct request on XX/XX/12. Agents on XXXX  chat box told me they would need someone from MOHELA who is an XXXX Admin to process and accept the payment, but every agent I talked to from MOHELA said there's no such person in their organization and can't figure out what to do with XXXX  payments. It is extremely frustrating that a student loan agency failed so greatly that they can't process a simple payment request in timely manner. Not to mention that XXXX payments are taxable and affects people 's tax return if not processed within the tax year. At this point I don't even know if MOHELA is acting in bad faith, just straight up incompetent, or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2022 they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Greetings, Payment secured for stated late payments on paypal. Payment secured on XX/XX/XXXX. Online Payment System stated refund and continual of payment. 

Don't understand and I can not make any payments until the new year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Received an XXXX report today dated XX/XX/XXXX  & verified as accurate. Shows a XXXX payment of {$1100.00} but a scheduled payment amount of {$1200.00}!! Also shows a terms Duration of 30 months! 
Fay REFUSES to provide me with accurate account information sent to my address. I was NEVER notified of an increase in the monthly payment. I have NO POSSIBLE WAY TO MANAGE THIS ACCOUNT WITHOUT FULL DISCLOSURE OF ACCOUNT INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : XXXX  XXXX XXXX  and XXXX XXXX XXXX. I do not recognize this public record, and it is not associated with me. Reporting this item is erroneous, and I request its immediate removal from my credit file. This inaccurate information is detrimental to my creditworthiness and must be corrected : US BKPT CT CA XXXX XXXX XXXX Filed on XX/XX/2017. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.

Company response to consumer: Closed with non-monetary relief