vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: AR

Complaint narrative:
Hello! I am sending this complaint as I noticed that there were no deletion updates happened in my credit reports. I am a bit disheartened that the XXXX, Equifax, XXXX Credit Bureaus have not removed any of these inquiries even in the first place. I hope this time the Credit Bureaus will remove these inquiries from my credit reports within 15 days : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have been placed on forbearance until XXXX of XXXX, and I applied for the SAVE Repayment Plan when it came out on XX/XX/XXXX. I planned to pay the interest, but when I applied for the plan, it said I would pay around {$36.00} per month. So, I decided to pay the full amount until my borrower against defense for-profit application for forgiveness goes through one way or another. In the last 2 months, XXXX and XXXX of XXXX, I have paid {$110.00} in interest only payments, well over three times the amount I am supposed to pay for the full amount. THIS NEEDS TO BE FIXED NOW! The original amount of my loan should be less, not more, lower than my original amount of {$17000.00}. When I applied for the SAVE Plan, there should be NO increased interest payments with everything I had read about it. So long as you make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXXXXXX XXXX, a small business in Florida that has had a productive and successful partnership with TD Bank for over XXXX years. I am writing this complaint to bring to your attention an issue that has significantly impacted my business and livelihood. 

Around XX/XX/XXXX, I visited the TD Bank branch in XXXX XXXX, Florida, to report an ACH fraud incident that I did not initiate. The bank staff informed me that they would need to wait until the matter was resolved before taking any action. Subsequently, the ACH transaction was confirmed as fraudulent over the following XXXX days, and the bank advised me to open a new account, with the assurance that the XXXX department would return the amount. I acted promptly and, around XX/XX/XXXX, I opened a new account and the bank transferred the amount, believing that the issue had been resolved to my satisfaction. 

To my dismay, in XX/XX/XXXX, I received a collection letter demanding the exact amount that was supposed to have been returned by the fraud department. Distressed by this turn of events, I promptly visited the branch again, presented the collection letter, and sought assistance. The bank representative promised to investigate the matter and took my contact information. 

However, it wasn't until the middle of XX/XX/XXXX that I received a call from the bank representative who, to my shock, informed me that there was nothing the bank could do, and I would be required to pay the full amount. I was deeply perplexed by this sudden reversal, as I had received no communication, neither via email, mail, nor phone calls, explaining the reasons for this decision. To make matters worse, on XX/XX/XXXX, the bank deducted the disputed amount from my account without any prior notice or explanation. 

This situation has caused a significant financial burden on my business, and I have already had to let go of two employees due to the loss incurred. 

I kindly request that you review the details of this case and for the bank to reverse the unjust deduction from my account and provide a clear and transparent explanation for the course of events. My intention is not to challenge the bank but to seek an equitable and fair resolution that can help me recover from the financial distress this issue has caused my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have discovered a security flaw in Chase Bank 's online system. I have tried repeatedly to get Chase personnel to pay attention to this, without success. The attached letter explains the situation and provides backup documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery calls a minimum of 10 times a day from XXXX voice numbers to collect on a debt that I do not owe. The charge account was my soon to be ex-wifes name, and I never had access or used the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account was opened on or about XX/XX/XXXX  with XXXX XXXX XXXX who then passed along my private personal information as a collection/chargeoff to XXXX XXXX XXXX . A balance of {$1000.00} is being reported to Experian as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXX, XXXX XXXX XXXX, and Experian never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Experian is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXX, XXXX XXXX XXXX nor Experian have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried to get the balance on my collection account straighten out since XX/XX/2023. I have submitted disputes online, called, etc to no avail. The amount of the collection account keeps changing and affecting my ability to obtain credit. This account is over two years old and should not be showing on my credit report based upon the FCRA.

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 2023-10-20 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: Self Financial Inc.
State: TX

Complaint narrative:
For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
For over the past many years. I Have been going by the book on XXXX  to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
First, there was no option for me to choose that fit the issue we are having so I chose to the best of my ability in hopes this will get to the right person/department. 
We have received several certified letters from Caliber Home Loans telling us that we have missed payments and we are now going to collections. The problem is that Caliber isn't our home loan company anymore. We paid off our home last year and our loan wasn't owned by Caliber at that time. We called the company and they said those letters were sent out by mistake and to disregard them. Meanwhile, we received a check for {$120.00} and we have no idea why. When we asked for the company to at least send us a letter clarifying and verifying that the letters were sent out by mistake, they told us, " No ''. They will not even put it on their website letting everyone know who received these letters that they were sent out by mistake. The company has spent quite a bit of money given the number of Certified letters we received, yet they can not send a simple letter out to us so we have proof that we were told it was a mistake. We have not cashed the check they sent because we don't want that to backfire on us. We have tried 2 times to get to the bottom of the issue, but they are not willing to tell us anything, other than it was a mistake. These letters really freaked us out since we know we do not owe anything. We have filed the Deed and have received confirmation back that it was filed and we own our home outright. 
We would love to know what further action we can take. If this somehow ruins our credit or our house is in danger of being taken away because of this mistake, we need to know how to handle that. We are also concerned about how many other people may have actually paid Caliber because of these letters. 
Please let us know if any other information is needed. 
Thank you! 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2022 I purchased XXXX flooring and products including installation, from XXXX improvement center. The contract was broken multiple times by the XXXX floor installers. I was promised compensation for faulty workmanship and for XXXX  damaged bed and bedding caused by installers. XXXX XXXX named XXXX was who promised to make things right. I am attaching a letter describing my dispute, along with photos of text messages to XXXX XXXX and blood stained bed and bedding, blood on floors, poor workmanship, documentation that supports my complaint. I filed several disputes with XXXX credit card company. First dispute credited my account and the turned around months later and recharged my account, reason they said it was charged back to me was that the response from company was I received product and was happy throughout the entire process. That statement is untrue and I was not happy with the installation or the blood damage they did to my home and furniture. I was informed to open another dispute and send as much documentation as possible, so I did and they closed second dispute for reason, 'no documentation received '. I called XXXX credit card company today, and they verified they have all my documentation. Now they are telling me to open yet another dispute, which I did. This has been going on for several months with back and forth. I can not get any acceptable resolution from any parties involved. I am disputing 100 % of the charges {$7600.00} for contract broken, XXXX  stained mattress replacement, poor quality installation, pain and suffering. XXXX gave me the run around and sent me to corporate, which also gave me the run around and now I am disputing charges with credit card company. The credit card company is not helping and they are also giving me a run around. PLEASE 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Reporting incorrect personal information as such as names, social security number and addresses

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
my identity was stolen and used to open multiple credit card accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I switched from the PAYE plan to the SAVE plan. MOHELA only put half of my loans into an administrative forbearance. The other half still had a payment due under the PAYE plan. I tried to reach MOHELA by phone and by email and could not get through. All of my loans were then put on the SAVE plan, with a payment more than 30 % lower, and MOHELA still took the higher payment from me through an auto debit system that would not allow me to cancel the payment. They continue to fail to answer my customer service inquiries. In my view, MOHELA has essentially stolen money from me in this way, because the SAVE plan would have otherwise resulted in forgiveness of the interest that wasn't due, and they miscalculated my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: UT

Complaint narrative:
I called Edfinancial on XXXX XXXX at XXXX and was told I had 6 hour wait so I selected the option for them to call me back but they never did, so I called them on XX/XX/XXXX at XXXX, but this time it was an 8 hour wait, so again, I selected the option for them to call me back. But again, they never did. So I called them on XXXX XXXX at XXXX and held on the phone for 57 minutes only to never get a hold of anyone and be hung upon. So I called them again and have been waiting for 2 hours 6 minutes by now. Is this place legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I bought a car from American car center in XXXX tn XX/XX/XXXX it was a XXXXXXXX XXXX XXXXXXXX white i got the car just started a new job and stuff trying to get on my feet. Around XXXX XXXX something like that when i made my last payment they closed couldnt get in touch with nobody couldnt log in my account or nothing. The phones was off just couldnt get no one. So around XXXX or so XX/XX/XXXX they came and towed my car didnt know who these people were or nothing. I lost my job my kids couldnt get to school nothing no transportation i just moved to XXXX tn as well new life start. I lost everything bills still coming in no help at all, still without a car. My last payment was XXXX i was paying XXXX every XXXX weeks i paid XXXX in all or XXXX money lost. And they want me to pay XXXX to get the car back I dont even know where the cars at. I called westlake they are so rude, they breached the contract I dont know these people at all.

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 2023-10-19 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: GA

Complaint narrative:
trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, Equifax and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. Equifax has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: GA

Complaint narrative:
trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and Experian, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. Experian has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: LA

Complaint narrative:
I have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from my credit report. 


Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief