vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have found I have identity theft on my credit report sent in a re-dispute on XX/XX/24 Experian will not investigate they just close my dispute. FCRA doesn't state that you can't re-dispute, or a limit of disputes!! Please Experian dispute my fraud claim on 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 explanation
Consumer complaint received 2024-01-31 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: MI

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to express my deep concern and frustration regarding the presence of an alleged debt on my credit report, account number, which has been reported by your company. I have made several attempts to address and rectify this matter, both with LVNV Funding LLC and XXXX, to no avail. 

This wrongful collection entry is adversely affecting my professional career and hindering my ability to secure favorable interest rates. Despite my persistent efforts to resolve this issue, the negative impact on my credit score continues to persist. 

I hereby demand the immediate removal of the aforementioned collection account from my credit report. Furthermore, if LVNV Funding LLC believes that this debt is legitimate, I request that you provide me with physical evidence of the debt, including a signed contract or agreement bearing my signature. 

I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I expect LVNV Funding LLC to adhere to the legal obligations outlined in these acts. Failure to comply with these regulations may result in legal action to protect my rights and seek damages for any harm caused to my professional and financial standing. 

I anticipate your prompt attention to this matter and request a written confirmation of the removal of the collection account from my credit report within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am having a problem disputing a transaction with JPMorgan Chase & Co at Chase Bank. I was traveling in XXXX recently. I was about to miss my flight so I XXXX XXXXXXXX XXXX, and what I thought was XXXXXXXX XXXX from all information displayed on XXXX, I called the phone number. The agent impersonated XXXX XXXX and took my credit card to purchase a new flight for me. Once I gave my credit card I knew I fell victim to a scam. The crazy part is Chase automatically marked this transaction as a fraud, but somehow they were able to charge it again and get around that. I hung up and I quickly found the real XXXX XXXX  and got my flight figured out right away. Then I see a charge appear on my credit card statement XXXX XXXX, I immediately disputed it with Chase. Chase somehow resolved it in their favor when I had received no goods or services with this purchase. How could I? I had already contacted XXXX and had my flight figured out as soon as I spoke with XXXX. The XXXX impersonator claimed to be switching my flight ticket on my behalf. I never seen my booking update except after I spoke with XXXX. The real XXXX agent had no knowledge of anyone trying to change my original ticket. My ticket was never changed until I spoke with the real XXXX agent. Chase needs to resolve this dispute in my favor and stop doing business with this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
COMPANY WAS EXCESSIVE WITH ITS OVERDRAFT FEES AND CLOSED MY ACCOUNT UNEXPECTILY.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 2024-01-31 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: NY

Complaint narrative:
After taking a look at my credit profile I notice some hard inquiries that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I don't check my credit report much but after recently checking I've found a lot of discrepancies. I have no clue who this company is or where it originated. I want it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my 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 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I have tried to call several times to settle the debt, but I have had no luck. I want to dispute the amount because it is not correct. I have tried reaching out to the number that is provided online and I always get a debt settling agency for your all debts I can never get ahold of the collections side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check for {$1500.00} to my Huntington checking account on XX/XX/2024. Shortly after, they closed my account, and now I have no access to my account or funds. The check cleared and is legitimate. I have no access to my money, and now my funds are being held hostage, even the funds that existed in the account before the deposit. The month is about to end and I have bills to pay. I tried to have them move my funds to a different bank, but they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: MI

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-31 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: KY

Complaint narrative:
I have been trying to get a correct payment amount for my student loans on the SAVE plan. I have submitted 4 Income Driven Repayment ( IDR ) plan requests to MOHELA, none of which have been processed/calculated correctly. I login to see the payment amount is {$77.00} a month when every estimate I've received from StudentAid.gov and from MOHELA themselves estimates my payment to be {$0.00} a month based on my income and filing status of MARRIED FILING SEPARATELY. I call to ask why this continues to be an issue and the front-line customer service representatives have no clue and just submit a new IDR application for me which continues to be incorrectly processed/calculated. Below are the dates of IDR applications I've submitted, and their outcomes according to MOHELAs website, all of which have not been calculated correctly. 

XXXX Approved XX/XX/2023 ( INCORECCT AMOUNT ) XXXX- XX/XX/2023 XXXX XXXX  Canceled XX/XX/2023 ( NO REASON PROVIDED ) XXXX Canceled XX/XX/2023 ( NO REASON PROVIDED ) XXXX Processing XX/XX/2023 ( It has been 2 months with no progress on this request ) I have submitted these applications a variety of ways. I have submitted them via XXXX, via self-service portal on MOHELAs website, and over the phone with a customer service rep. None of these methods produced different results which leads me to believe that the teams that process these applications are doing them incorrectly. My issue is threefold - 1 ) I need a payment I can afford and I can not spend the HOURS it takes to wait on the phone for MOHELA because assumingly thousands of others are experiencing similar issues 2 ) When I do get someone on the phone they are untrained, unaware, and unhelpful. Most are totally unaware of the different provisions of the program I am applying to ( SAVE program allows for married couples filing separately to NOT include their spouse 's income, which most reps were surprised by or flat out told me I was wrong ) 3 ) StudentAid.gov and MOHELAS OWN CALCUALTOR ON THEIR WEBSITE say I should be paying a MUCH smaller amount than I am, yet every time it is processed the amount is VASTLY incorrect. Are the estimates provided by XXXX ( operated by DEPT of ED who own my debt ) and MOHELAs incorrect? That is a major issue if so. If they are correct, what calculations are being done behind the scenes to lead to such discrepancies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: AZ

Complaint narrative:
Contacted Transunion to investigate unauthorized inquiries they advised they do not remove inquiries but this is fraudulent and I advised them I have an FTC report in which they did not accept or advise on how to furnish the FTC report to them

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 2024-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: GA

Complaint narrative:
This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. 
I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. 

Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to a pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with XXXX XXXX XXXX OR ANY RELATED THIRD PARTIES. XXXX XXXX XXXX contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. 

To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report & notice accounts were reporting inaccurate. I am filing a formal complaint against Equifax for their failure to address and rectify inaccuracies in my credit report, despite previous attempts. I also wish to bring to your attention that I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft in question. 

The following accounts on my credit report continue to exhibit incorrect information : XXXX XXXX Account XXXX - Derogatory status, Charged off account - Monthly Payment : {$0.00} - Balance : {$600.00} - Past Due : {$600.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Consumer disputes this account information - Date Last Active : XX/XX/XXXX XXXX  Account XXXX - Account Status : Paid - Monthly Payment : {$0.00} - Balance : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Closed or paid account/XXXX XXXX XXXX XXXX Account XXXX - Derogatory status, Charged off account - Monthly Payment : {$0.00} - Balance : {$960.00} - Past Due : {$960.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Consumer disputes this account information - Date Last Active : XX/XX/XXXX I have previously submitted a complaint and reported these discrepancies to Equifax, but there has been no resolution. I reassert that this is a clear case of identity theft and, as evidence, I have filed an FTC report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these inaccuracies from my credit report. Additionally, I request a thorough reinvestigation into these accounts, and I ask for written confirmation of the corrections made. I also seek information on the steps taken during the reinvestigation process. 

I appreciate the CFPB 's attention to this matter, and I look forward to a swift resolution to rectify these errors on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
In mid-XXXX I received a call from Harris and Harris for a XXXX XXXX doctors bill they said I owed from XX/XX/2023. I answered the call and told them that it was with my insurance company ( XXXX ) and I was waiting for XXXX to pay its portion and I would pay the remainder of the claim when notified by XXXX. On XX/XX/XXXX I paid XXXX the balance of what was my responsibility to XXXX XXXX through XXXX 's online payment. 

I receive debt collection calls on a bi-weekly basis as well as monthly letters telling me I still owe the payment. I have spoken with Harris and Harris 4 times to explain that it was paid and that they needed to review their info with XXXX  XXXX. On XX/XX/XXXX I spoke with Harris and Harris again, and told them to stop harassing me, that XXXX  XXXX had received the payment ( I can see it on XXXX ) and that my XXXX claim shows I paid the entire balance off months ago. I sent two emails to Harris and Harris with the XXXX claim, proof of payment and XXXX XXXX XXXX balance. I have owed nothing since early XXXX. 

Today I again received a letter and, again called. This is harassment. Many people would just pay this and therefore pay twice - Harris and Harris is trying to collect money that is not owed and profit from their harrassment techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: OH

Complaint narrative:
I have tried three times to use my vanilla gift card - all times there has been a problem and the purchase has been declined. They make the money so hard to access this should be illegal. They are stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MI

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
Macy 's - never late Bloomingdales- not late was late in the past, and this came off my records Wayfair - never late Home Depot - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.

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