vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I obtained a new lease with a kia dealership on XX/XX/2024. After that day there were XXXX credit inquiries submitted without my permission. XXXX. HYUNDAI CAPITAL AMERIC on XX/XX/2024. XXXX. KIA FINANCE AMERICA on XX/XX/2024 and XXXX. HYUNDAI CAPITAL AMERIC on XX/XX/2024. All these inquiries submitted without my consent after XX/XX/XXXX is negatively affecting my credit score.

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 2024-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
I bought XXXX XXXX phones and XXXX watches for the phones with XXXX to track my kids, on XX/XX/2023 my phone could not track my kid, I called XXXX and they said I could not exchange it for anything even though wasnt working needed it to continue to pay regardless for XXXX more months. I asked to cancel my services, on XXXX XXXX I received a call from XXXX that I had to pay XXXX dollars, and I paid it, got a confirmation, was told it would not go to collections. Then it appeared as a collection on my credit report under XXXX, I called XXXX and said I never had XXXX and I was never on collection or had an account on collection with XXXX that I was ever made aware off. I had an account with XXXX and I paid it and got a confirmation Reference # XXXX and Transaction ID XXXX. I called the collection company and told them I never had XXXX phone and never received a collection noticed, I did get a collection noticed from XXXX XX/XX/XXXX that I paid. 
I called the collection company and they told me they could not tell me anything other than XXXX was part of XXXX, and XXXX is no longer in service. I asked XXXX why had they reported me as XXXX? they said they could not see anything. Basically none of the agencies are explaining why did they put me on collections when I paid the bill the only noticed I got was not from XXXX it was from XXXX XX/XX/XXXX. When I called and give the collection agency my Transaction ID and reference number they say they can not tell me wether it was paid or not? And they can not tell me what this collection is for, the only phone and collection letter i got was from XXXX never from XXXX and I paid it. 
I want the collection item be removed, and I need an explanation of what is this bill for? I only had XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
I submitted a message to Mohela on XX/XX/XXXX, notifying them that XXXX of my XXXX loans had been enrolled in the incorrect repayment plan. All of the loans should have been automatically switched from the REPAYE to the XXXX plan, but XXXX of the XXXX plans had been switched to a LEVEL plan instead, which is the standard repayment plan that is not based on income. A reply message was sent to me on XX/XX/XXXX, instructing me to call Mohela. I did call then, and after waiting on hold for an hour, the representative was able to do nothing to rectify the issue. In spite of having received a letter from the DOE that all my loans would automatically be switched to the income-based SAVE plan, I am now either forced to make the choice between paying an incorrectly elevating loan payment or applying for forebearance while my application for the correct income-driven repayment plan is processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CREDIT COLLECTION SERVICE Account number : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Lender charging fees for property registration. Currently my late father 's estate is in probate. His house had an outstanding mortgage balance of approximately {$41000.00}, and was just transferred into my name as the executor/ beneficiary in his will so it could be sold and payoff the mortgage balance.I had notified Carrington on XX/XX/XXXX of his death and have been communicating with them during the probate process. I had a buyer for the house within a week of advertising, with a closing date set for XX/XX/XXXX. I questioned the lender regarding fees on the payoff stated as " other unpaid expenses '' XXXX XXXX dollar. I was then told correctly by XXXX XXXX that the payoff had expired and I would be issued an updated one. Upon receiving the new statement, the other unpaid expense was now XXXX dollars. The breakdown of fees were as follows : Breakdown of Amount Owed : Unpaid Principal Balance : {$40000.00} Recording Cost : {$.00} Interest at 11.29200 % {$3000.00} Recon/Release Cost : {$.00} Principal & Interest Advance : {$.00} Other Unpaid Expenses1 : {$15000.00} Escrow Shortage : {$1100.00} Late Charges : {$.00} PMI/MI Premium Due : {$.00} Prepayment Penalty : {$.00} Escrow Credit : $ - .00 Deferred Pursuant to Loan Modification : {$.00} Suspense Balance : {$.00} TOTAL AMOUNT TO PAY LOAN IN FULL : {$60000.00} A further breakdown of the Other Unpaid Expenses were as follows : FEE EXP DATE DESCRIPTION FEE REM TYPE CODE ASSESSED AMOUNT BALANCE XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL TITLE FEES XXXX XXXX XXXX XXXX XX/XX/XXXX FCL PROPERTY REGISTRATION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION XXXX XXXX XXXX XXXX XX/XX/XXXX FCL SERVICE COSTS XXXX XXXX XXXX XXXX XX/XX/XXXX FILING FEES XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY REGISTRATION XXXX XXXX XXXX XXXX XX/XX/XXXX PROPERTY INSPECTION FEE XXXX XXXX TOTAL FEES DUE XXXX After this I would not sign the HUD for closing until the fees were fixed, as I thought it had to be a typo. As it stands, this was actually from the citys ordinance for vacant/foreclosed property charged to lenders. I spoke to the Deputy Director of Planning & Administration who confirmed this should not be charged back to the consumer. Carrington also knows upon selling the property, they can submit for a release of the bond which will be refunded to them, minus {$1000.00} for administrative fees. So in essence, they are charging me the {$10000.00} for the registration fee they paid to the city, and then will receive {$9000.00} of it back, netting a gain of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was in XXXX for almost 3 years and someone fraud my credit theres several inquiries on my credit report that u never request or did. Thank you for your help

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address 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 non-monetary relief
Consumer complaint received 2024-03-14 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:
This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : 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 2024-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Vermont Student Assistance Corporation
State: NY

Complaint narrative:
I graduated from the University of XXXXXXXX in XXXX. Like many XXXX and XXXX XXXX XXXX, I was naive and really did not know how much college was going to cost or how I was going to pay it back. I thought higher education couldnt be a bad investment. My mother, who did have any money to contribute to my tuition, did a lot of the paperwork. Including the FASFA, which determines my aid eligibility on her and my fathers income. They were not well off but also didnt give me a XXXX for or during my XXXX years of attendance. The last 15 years have been trying to figure out how to pay off XXXX in student loan debt while trying to establish myself as an adult. That burden has been awful. My private loans are with XXXX and public with XXXX. My last payment to XXXX was for the full amount of {$570.00}. Of that amount, {$.00} was applied to the principal. Of the 6 different group loan types, one has an interest rate of 11.08 %. I have XXXX payments, XXXX years, remaining to pay off this debt. 

My degree is in XXXX XXXX. I thought I would go to law school, but understandably, did not think the debt was worth the degree. My first degree was not worth the investment. I cant return my degree. Ive tried. 

In order to pay my normal bills with little discretionary income left, I can not afford my college loans. I wouldnt have gone to college if I knew the payments would be this high. But I didnt know. How is this legal? Why can financial institutions take advantage of children like this when they believe they think they are doing something positive for their futures? This is wrong and insidious. I made the choice to go to school when I was XXXX XXXX XXXX. Now Im being charged 11 % on variable rate loan when Im one month away from being XXXX. My only option is to default. Deferment or forbearance options are depleted. Im tired and just want to raise my XXXX XXXX year old son.

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 2024-03-14 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: Kikoff Inc.
State: GA

Complaint narrative:
This account was closed and paid off and is still unlawfully reporting late payments on my report. I do not consent to this reporting and this violates 15 U.S. Code 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address 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 non-monetary relief
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-14 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: GA

Complaint narrative:
I noticed unauthorized inquiries on my credit report that i would like to remove off my credit report. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXXXXXX Account Number : XXXX It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I recently was reviewing my CitiCard account as I was laid off and looking to cut expenses and find payment assistance. When contacting CitiCard, they advised of a payment protection plan that I had and have been charged XXXX XXXX {$47.00} per month for since I got this card in 2012. I do not remember ever agreeing to this charge. I either need proof that I agreed to this charge, and I will accept my mistake, or I need to be refunded for these charges.

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 2024-03-14 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I initially decided to go on XXXX to look for a hotel on XX/XX/23. I have found XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. I was using XXXX it took me to this parking lot where it wasn't XXXX XXXX XXXX XXXX. I called the hotel but wasn't able to reach the hotel I contacted XXXX and they weren't able to reach the hotel. So I asked them what would be the resolution because XXXX can't contact me and I can't find or contact the hotel. XXXX recommended that we cancel but with a penalty. I said I didn't agree with the penalty but I believe that I should cancel or get a refund because neither you nor I could contact the hotel to find the location. Then I contacted Goldman Sachs from experience they have never resolved any issues with anything before and I doubt that they would help but I am trying my best to get these companies looked at by the government and help me resolve the issue so I can recover my money back of {$160.00} because I don't believe that they were in the right of protection the customer. I believe that they have committed fraud activity because they have failed to protect the service that they provide and sell and when contacted by the customer to try to resolve the issue they weren't able to resolve it and still took payment from XXXX and XXXX XXXX XXXX hotel. When provided evidence I have never agreed to the penalty stated by Goldman Sachs. I do understand that this is a nonrefundable transaction but what do you want the customers to do if they can't find the services and XXXX is unable to contact the company or provide the services that it's advertising? In another sense, this could be called scamming or fraudulent transactions because the services weren't able to be provided. The documents that I provided clearly states that XXXX wasn't able to contact the hotel. I been trying to fight this for months now and it's not going anywhere. The companies involved is Goldman Sachs, XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NJ

Complaint narrative:
MY INFORMATION WAS BREACHED WHILE WORKING FOR A TEMP AGENCY. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT BUREAUS BY PHONE AND MAIL ADVISING OF THE INACCURATE AND FRAUDULENT ACCOUNTS BEING REPORTED ON MY PROFILE. I REQUESTED VERIFICATION AND THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. 

FURNISHING INFORMATION TO PROFILE WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, AND FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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