vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
Please see my extensive supporting documentation. In short, I believe that my credit card processor for my business, XXXX XXXX, sold my account to PaySafe without my knowledge. PaySafe began withdrawing fees from my checking account in XX/XX/XXXX. ( I accept responsibility for my failure to investigate at that time. ). I cancelled my account with XXXX XXXX in XX/XX/XXXX ; they failed to cancel my account with PaySafe -- likewise I did not know that PaySafe existed so I couldn't cancel with them. PaySafe continued to charge monthly fees, raising the rates 3 times without notifying me. When I finally figured out who they were and cancelled my account in XX/XX/XXXX, they refused to be reasonable and communicate with me about the final month charge, even though they acknowledged that the account wasn't used since XX/XX/XXXX. Ultimately, they sent me to Collections without final notice for that final month fee even though I was still in communication with them about waiving it given that they had already received {$3700.00} in what I believe to be deceptively and perhaps fraudulently taken credit card processing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Hard inquiries that I did not authorize pulling my credit and the years are old. Should not be on my credit.

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 2024-07-17 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Different payment amounts saying I owe for the same company information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: RI

Complaint narrative:
My personal information is not updated. You need to update these as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Obtained a student loan for {$10000.00} through XXXX XXXX in XXXX for my son. In XXXX, I received notice from Firstmark Services that XXXX XXXX was no longer servicing the loan, and that they were. I began making payments to them. I have been paying $ XXXXper month since XXXX, equivalent to {$7800.00}. Today I asked the balance, and was told by XXXX that is was {$8900.00} -- which just could not be possible. I questioned XXXX, and initially he attempted to state that i had a deferment or forbearance ; I told him no, I have been paying for 5 years. He then went on to tell me, he had student loans and understand. I understand being ripped off. I asked to note that I would get an attorney or go to the media. He said ok. I asked what happens to my complaint, he said oh, he just notes I was unhappy, or something to that effect. I asked who was over this company, he did not know, tried to say he represented XXXX XXXX, or other " conglomerates ''. I said so you mean to tell me, it takes five years to payback only {$1500.00} out of {$10000.00}? This can't be legal. Transferred me to a supervisor, XXXX. Not someone you want to talk to, he clearly has said this hundreds of times, his answers were mechanical and rehearsed, trying to throw statistics at you, and interest rates, not at all caring how he impacting someone's quality of life. He then stated that this is what I signed with them, and i said my agreement was with XXXX XXXX, not with you. He said they are upholding that agreement. I want the agreement that was signed by me with XXXX XXXX, where is that agreement? I asked what body was over him, who are the Board of Directors ... .deflecting, no answer. I told him nevermind, I would find another avenue to address this problem. This can not be legal, it just can't be to rip people off like this. Who do I need to appeal to have this addressed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: WA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I need to write a formal complaint about a loan company called Check N Go. I took out a loan to help me get into my first apartment on XXXX XXXX and received a email saying that I was approved for {$1100.00} so I went in store to receive the money to start my moving process for my apartment, I was to pay it all back within 18 months or so so I wouldnt pay too much interest but around XXXX or XX/XX/2023 I lost my job and I called and notified the check n go company that I wouldnt be able to make a payment and they told me they could add it on to the next payment or take a partial payment which ever one would help so I did a partial payment, eventually I did find another job and notified them that the paydays would be different and asked if I could change the day I pay that way it would align with the day I receive my checks so I wouldnt be late I dont remember if they allowed me to do so but I made payments when i could until I couldnt because I got kicked out of my apartment and went to stay with my ex until the situation got too bad for me and I moved to XXXX , I missed payments but made phone calls to the check n go to notify them that I had moved and I wasnt bailing in paying them and around the time I moved late XXXX early XXXX I found a job and received my check which at that point in time I called check n go to make a payment over the phone for {$1000.00} to make up for the missed payments but XXXX who had given me her name kept hanging up on me when I told her I was trying to make said payments and I called multiple times off of my personal cell and my mothers phone and even left a review I only got a response once I left a review which didnt help at all and they had defaulted my account and had sent it to multiple different debt collection agencies who have now been harassing me and threatening me saying that I never tried to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I had a hard inquiry on my credit report on XXXX XXXX from " XXXX/MILESTONE ''. I contacted their customer service at XXXX, which was a call center for " Concorda Credit '' in the XXXX. The first representative I spoke with was " XXXX ''. He repeatedly asked for my social security number. I refused, for obvious reasons. He stated he could not access any information without my social security number. I asked for the number for Concura and Concora 's physical address and he refused to give me that information. I asked numerous times for a contact for the actual bank and he refused. I asked numerous times for the bank 's license number and he refused. I have never applied for credit from any entities or affiliates of XXXX XXXX XXXX XXXX Milestone Credit, Concora Credit. They fraudulently conducted a hard credit inquiry without my consent or knowledge. My credit monitoring company reported it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
I always check my credit report in the morning and I noticed that some inaccurate accounts were there. I don't know why it is on my report so please check the documents I've sent.

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 2024-07-17 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: WA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-17 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:
My continuous efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, causing substantial anxiety and distress. As an identity theft victim, I must emphasize that I never authorized or agreed to have this information associated with my name.

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 2024-07-17 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: FL

Complaint narrative:
My continuous efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, causing substantial anxiety and distress. As an identity theft victim, I must emphasize that I never authorized or agreed to have this information associated with my name.

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 2024-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX in XXXX XXXX, Texas, and National Credit Systems for attempting to collect a debt that I do not owe. On XX/XX/year>, a court judgment was rendered by Precinct XXXX in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, stating that my husband XXXX and I, owe XXXX legal fees and XXXX rent to XXXX XXXX  ( Cause No. XXXX ). Despite this clear court ruling and a subsequent Cease and Desist Letter sent to XXXX Apartments in XXXX of XXXX, XXXX XXXX has sent my account to National Credit Systems, which is now attempting to collect rent for the remaining months of my lease after I was evicted. 

This action violates the courts judgment and constitutes an attempt to collect a debt that has been legally settled. I believe this violates the Texas Debt Collection Act ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which prohibit deceptive or unfair practices in debt collection. 

I have contacted XXXX XXXX  and National Credit Systems to dispute this debt and provided them with a copy of the court judgment. However, they have continued their collection efforts, causing undue stress and significant, demonstrable financial losses and damage to my credit report. 

I am seeking the CFPBs assistance in having this invalid debt removed from collections and to stop any further collection attempts. 

Details : Name of Original Creditor : XXXX XXXX  Location : XXXX XXXX, Texas Cause Number : XXXX Court Name : XXXX XXXX, Texas Precinct 3 Justice of the Peace Date of Judgment : XX/XX/year> Amount of Debt : {$0.00} as per court judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: WA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX XXXX  XX/XX/XXXX {$14.00} XX/XX/XXXX XXXX XX/XX/XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XX/XX/XXXX reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. 
My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt.

False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt.

Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX went to 5th3rd bank XXXX XXXX, spoke with XXXX bank manger about fraud alot with my accounts, she printed off papers where my new card was sent XXXX XXXX XXXX an old address and she stated sum was not activated but XXXX was activated ine card in XX/XX/XXXX and XX/XX/XXXX the XXXX card was reported stolen and replaced.i did not receive those cards and my home address XXXX XXXX XXXX XXXX XXXX.i spoke with XXXX 2 days later on the phone and she stated that she did not tell me the cards was activated.her story changed after i made a police report about identity theft with XXXX police deparment. case # for report XXXX on XXXX said XXXX had XXXX accounts and i should have only XXXX accs and my son has XXXX account. never had XXXX accounts and the latest cards activited was in XXXX and i was in the banking off when this info was reveiled.XXXX  Dishonest about the situations her story change 2 day later.i have banked the the bank since XXXX and have had the most fraud the this bank and no clear results.passwods changed and locked out my accounts on a regular basis .I had to have new bank card mailed to 5th3rd in XXXX to make sure i receiverd them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I urge the responsible authorities to take immediate and appropriate actions to investigate and rectify this situation to ensure that reported data is accepted by receiving repositories with maximum possible accuracy and completion. Failure to do so will result in severe consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I contacted Navient for assistance with forgiveness due to the school misconduct option. The loans have been discharged from XXXX XXXX XXXX because the schools have all been closed down because they do not exist. They are not real schools. 
These are the epitome of predatory lending and they should be repaying the loans. 
The schools have had to pay students and the government because they were fraudulent. The fact that Navient is still demanding that I pay for loans from schools that no longer exist and were found civilly liable for their ill intent is not only unacceptable it should be illegal. 
I have been paying Navient for 8 years on loans that will never be worth the ink on the paper used to apply for them. 
This is not acceptable and it is unconscionable that they are allowed to act with such impunity against American citizens. 
I tried to contact Navient for more information related to the denial and they placed me on hold and never came back to the phone.

Company response to consumer: Closed with explanation