vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: ONLINE Information Services, Inc.
State: CO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
Never had this company before, tried multiple times to explain what this account is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
A few months ago, I reviewed my credit report and found discrepancies related to the account XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditors and collectors, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC. 

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In XX/XX/year> we requested modification or forbearance to catch up on payments, since they would NOT accept two payments due to the Notice of Default. In XX/XX/year> Fay Servicing did send the package via email and we completed for them to review. Sent via fax but, they had NO record. Agin the workout documents were sent in for review, but this time was sent to XXXX XXXX at Fay Servicing main point of contact. Few weeks later, we received a letter in XX/XX/XXXX by mail stating, our application for work out is incomplete. Fay Servicing was asking for income documents and insurance info. On XXXX XXXX after speaking with XXXX XXXX at Fay Servicing we emailed the documents requested. Few day later the Notice of Sale was sent and yesterday on XX/XX/year> we received the notice via certified mail. We never received any warning or denial of the modification request or workout.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Today XX/XX/year> I go to log into my mobile app as Ive done for the past few years and it was locked so I phoned chase bank the representative tells me my account has been closed, I ask multiple times for the reason as my account remains in good standing I have never had any fraudulent activity nor fraud alerts on my acct. The representative proceeds to tell me the bank does not have to disclose the reason for the closure and a check will be mailed to me for the funds that were in the acct {$130.00}. I visited the branch for answers the teller phoned the dept that handles acct closures and they tell her the same thing they do not have to provide an explanation for closure. I explain to the teller I never received an email nor phone call warning me the acct would be closed, my household is on a fixed income and I need to be able to access the money that is in the acct asap. I explain to her this is disheartening for me as Ive held my acct in good standing for years and I recently turned XXXX yrs old and Im working on building my credit and Im being told my acct is being closed for no reason and I can never open another Chase acct when my whole family banks with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
A few months ago, I examined my credit report and discovered inaccuracies regarding the accounts : 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. These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

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 2024-07-27 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:
A few months ago, I examined my credit report and discovered inaccuracies regarding the accounts : 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  ). These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

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 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened an account with Wells Fargo on XX/XX/year> to receive a {$320.00} bonus. I made my first direct deposit of over {$1000.00} on XX/XX/year>. I have met all qualifications and have not received bonus yet. At least XXXX customer service reps have told me they are unable to locate the opening bonus info on my account. One Supervisor named XXXX has forwarded my concern to another dept and I was told to wait 10 business days. That will be on the XXXX of this month.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Hello! 

I am filing a complaint against Goldman Sachs. 

Essentially, I had hired a marketing company to complete XXXX  for my website, XXXX 

The company I hired took {$7600.00} upfront on XX/XX/year>, then charged me again on for {$7100.00} on XX/XX/year>. At the time, my website wasn't completed with development, so there was no way for me to tell if they had done any adequate work. 

Fast forward a few months, I found out they plagiarized content from a competing website, utilized " XXXXXXXX XXXX XXXX tactics, '' and as a result, my website is marked as having a " suspicious backlink profile, '' and has seen XXXX organic traffic. 

I reached out to the company, expressing my concerns ; however, they were unwilling to issue any refund. 

I filed for a chargeback with Goldman Sachs for services not as described and provided over XXXX pages of proof, including XXXX website audits from third-party XXXX  companies. 

However, after nearly 90 days of Goldman Sachs investigating the claim, they ruled in favor of the merchant and said the following : " We reviewed available information which confirms that you authorized the purchase with the merchant. '' I am filing a complaint because I have spoken with a variety of people, including over XXXX marketing companies, all of which urged me to file for a chargeback. However, Goldman Sachs ruled in the merchant 's favor, and their reasoning doesn't even align with the reason for my chargeback in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-07-27 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: VA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-07-27 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: GA

Complaint narrative:
I am requesting your help in regards to this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
Was a XXXX  customer and switched to XXXX prior to the XXXX companies merging. XXXX XXXX  were returned to XXXX via prepaid packaging company sent. Apparently they did not update the account and it went to Jefferson Capital for {$7500.00} which I have attempted to dispute with multiple times. I have contacted XXXX  and received a letter from them that they no longer have a way to change the amount. Jefferson Capital now also has another company attempting to collect and they say Jefferson is the only one that can remove but cant get in contact with anyone or a response back from them. We are trying to purchase a home and with this in dispute we can finalize our funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
I am requesting your help in regards to this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need 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 non-monetary relief
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To whom it may concern : I am writing to officially request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I would like to highlight the following concerns regarding these hard inquiries : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX to perform a hard inquiry on my credit report. These unauthorized inquiries have been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for these inquiries. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that these inquiries have been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of these inquiries.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of these disputed inquiries. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
There are XXXX Social Security Numbers associated with my Student Loan accounts that are supposed in my name and Social Security number only. XXXX references my student loan and the other belongs to someone else who borrowed {$59000.00}. I am not supposed to have anyone else on my student loan accounts. 
XXXX Navient employees acknowledged and explained how this happened. I recorded XXXX of these conversation with Navient. A XXXX  Navient employee sent me a payment history showing the student loans from this other person unknown to me on the same account that's under my name only. 
In addition to the XXXX different Navient Employees acknowledging a XXXX  Social Security number, a couple Federal Student Aid employees also confirmed that there is a XXXX  Social Security number merged into my account. I can not transfer my XXXX  year good payment history student loans to Federal Student Aid for relief without excepting someone else 's Social Security Number and payment history. 

DURING MY FIRST CFPB COMPLAINT ABOUT THIS UNKOWN SOCIAL SECURITY NUMBER ON MY STUDENT LOANS WITH NAVIENT, NAVIENT SAW THE PAYMENT HISTORY THEY MAILED ME IN XXXX AND NOTICED THE ACCOUNT INCONSISTANCIES AND INACCURACIES. NAVIENT IMMEADIATELY UPLOADED NEW PAYMENT HISTORY THAT WAS EDITED TO REMOVE THE XX/XX/XXXX AND XX/XX/XXXX STUDENT LOAN AMOUNTS TOTALING {$59000.00}. THIS RESPONSE CONFIRMSTHAT THEY ARE INTENTIONALLY MISREPRESENTING MY DEBT. 

AS A RESPONSE TO MY LAST COMPLAINT, NAVIENT RESPONDED SAYING THAT XXXX XXXX USED THE FIRST XXXX DIGITS OF MY SOCIAL SECURITY NUMBER AND XXXX ADDITIONAL ARBITRARY. XXXX  OFF THIS WOULD BE FAILURE BY DESIGN SINCE XXXX OF THESE MATCHES MY SS # EXACTLY AND ONLY HAS XXXX ARBITRARY NUMBERS. XXXX, XXXX OF THEIR EMPLOYEES HAVE ADMITTED AND SPOKE AT GREAT LENGTHS AS TO HOW THIS HAPPEND ON MY RECORDED PHONE LINE. I OWN THE RECORDING. IF THAT IS NOT ENOUGH I HAVE THE ACCOUNT HISTORY SHOWING SOMEONE ELSE 'S STUDENT LOANS OF {$59000.00} BEING ADDED TO MY ACCOUNT AND THE COVER UP BY NAVIENT TO HIDE THOSE DOLLARS. 

During my initial efforts to address these issues with Navient XXXX XXXX from Navient did not read my complaint referencing a XXXX  Social Security number. Instead of investigating a XXXX  SS #, XXXX verified that my SS # was correct and completely ignored my reference to an unknown SS # on my account. After XXXX ignored my complaint she would not investigate any further. In retrospect, I can only assume this is acknowledgement of the XXXX  SS #, and another attempt to misrepresent my debt with Navient in violation of FDCPA. 

Multiple times during my complaint, Navient reps kept trying to get me to transfer the debt to Federal Student Aid regardless of resolution.

Company response to consumer: Closed with explanation