vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
There was a balance that was sent to collections by XXXX XXXX XXXX XXXX XXXX The collection company is Williams and Fudge. Neither XXXX XXXX XXXX XXXX or Williams and Fudge made me aware of debut until I requested my daughters transcript. XXXX knew that my daughter was approved for a medical withdrawal, and still allowed a balance to be sent to collections. On top of that, the amounts never matched, and what I recently paid was still higher than what it should have been. There was a {$100.00} summer 2024 fee on her account, and that is impossible because she withdrew before summer. The guys at Williams and Fudge was rude, did not care to listen and demanded I pay because thats what the school had sent, which was wrong. Feeling pressed because I needed my daughters transcript, although it shows all " withdrawal '', I went ahead and paid Williams and Fudge the entire balance of {$4000.00}. They refused to settle even though the principal balance was {$3200.00}. They said the balance of {$4000.00} was due to delinquent fees, but they could never provide proof that we were notified. Also, how is something sent to collections when at the time, my daughter was still enrolled. I am requesting a refund of {$800.00} which is the additional penalties that I paid including a {$100.00} summer fee that's erroneous because my daughter was no longer a XXXX  by that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )

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 2024-04-11 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: Chime Financial Inc
State: DC

Complaint narrative:
I received XXXX emails from Chime on XX/XX/year> saying I had just opened a new account and a card was on its way. I did not open this account. I called and asked when it was opened and what personal information was used, and all they could tell me was that they had my email on file and the account was opened online. They wouldn't tell me if they had my SSN on file. They closed the account and advised me to report it to the credit reporting agencies. I had my SSN stolen a few years ago and already have a freeze on new accounts with the credit reporting agencies so I don't know how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.

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 2024-04-11 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: NY

Complaint narrative:
FCRA 605B says we must erase any wrong stuff from my credit report. Can you check the papers? Some accounts listed are wrong about what's reported, like the amounts and dates.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Request to remove Hard inquires with FTC. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Santander Consumer USA XX/XX/XXXX Santander Consumer USA XX/XX/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 explanation
Consumer complaint received 2024-04-11 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: Wildhorse Financial Services, LLC
State: CA

Complaint narrative:
I wanted to check rates for a refi on a vehicle. The gravity lending site said for me to enter my info for pre approval. I entered info and at the end they asked for social security number ( optional ) I declined to enter. They called me with estimated rates and the officer asked if I wanted to apply and I said not yet. I needed to speak with my husband. I was puzzled because he knew my exact credit score and info on a few of my accounts. I asked how he knew so much since I hadnt provided my ss number and he said oh its a soft pull we dont need your ssn for that. We wont apply until you agree. XXXX minutes lates I get an alert of a hard pull from XXXX XXXX XXXX  which was the loan that XXXX from gravity loans was offering me. I didnt agree to my credit being pulled. When I called gravity loans I was told thats how it works. They dont need your ssn to run your credit. If you input your name, address, etc they have permission. He advised me to read the fine print. Which tells me theyre purposely trying to trick people. Careful with bank rate and gravity loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Nelnet, Inc.
State: ID

Complaint narrative:
With Nelnet as the student loan provider, an autopayment of {$260.00} was set up to occur on the XXXX of every month. However on XX/XX/2024 Nelnet double charged the bank account for XXXX payments of {$260.00} and does not show a second payment on their website. The bare minimum customer service provided was uninterested and unhelpful, with what they called a " refund '' taking nearly XXXX weeks. It is not a refund as there was no approved transaction, I am simply wanting my funds that they have stolen back. This has inflicted financial and emotional distress by taking out a much needed {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
In the Uniform Residential Loan Application Form, XXXX XXXX from CrossCountry Mortgage inaccurately marked the XXXX XXXX ' box for my husband. Given that XXXX XXXX had clearly seen my husband 's driver 's license ( which visibly shows he's Caucasian ), this was incorrect. Over the years, it's been widely recognized that financial institutions disproportionately charge XXXX couples higher interest rates. Even if XXXX XXXX filled this out before seeing my husband 's license, his assumption seems questionable, making our paperwork incorrect. 

Due to several issues with CrossCountry, I requested an email from XXXXXXXX XXXX  supervisor. As a result, we received a text from XXXX XXXX XXXX of CrossCountry Mortgage on XX/XX/2024. Unfortunately, XXXXXXXX XXXX correspondence was unprofessional, containing a threatening undertone. He stated, " ... if I do not provide it [ bank statements ], I do not close on the house, '' which was particularly offensive among other things. 

Despite mine being the name on the initial inquiry, application, and consistent communication that I am the primary applicant, CrossCountry incorrectly put my husband as the primary borrower. They continued to label me as the 'joint borrower, ' making me secondary on all subsequent paperwork. 

There were various dates where emails were shared with disrespectful language, incorrect information in documents, information not being shared among important parties ( e.g., XXXX XXXX XXXX XXXX so the Title Company did not know we are in another state and can not sign the closing documents in the state where we bought the home, and the Title Company being so lazy that me and my husband had to find our own Notary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Good Afternoon, This company Pressler , Felt & Warshaw , LLP has violated my rights. They sent a letter stating I was being sued and would face XXXX. On the first letter there was a false docket number. I called the courts following went in person. They could not find the docket number in the system. Long story short we both believed it was a scam. They continued to send mail with the same comments. I called thier office asking for orignal terms of agreement and list of purshases, payement overall all history. They stated they did not have it. What am i to believe now? Now recent they filed wage garnishment. The orginal card was a secured card with a XXXX XXXX limit now they are charging me XXXX . What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal has not contacted me in regards to a fraud claim I have with them. It has been months, going on a year and each time I call or reach out, I'm met with " there are no new updates on this claim ''. What has happened that the claim seems to have been forgotten about because surely it does not take this long for a decision to be made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Bankruptcy - XXXX Bankruptcy - 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 2024-04-11 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: Global Trust Management LLC
State: KS

Complaint narrative:
I took out a loan through XXXX XXXX I believe in XXXX XXXX XXXX for I believe XXXX. I was trying to make XXXX XXXX monthly payments and I was unable to pay my bills/mortgage so I stopped paying. 
I believe around XXXX XXXX XXXX the balance was transferred to XXXX XXXX XXXX ( XXXX ). Its my understanding that this debt was obtained by another company to collect on. According to the agents Ive spoken with at XXXX XXXX XXXX, its illegal for them to harass or, in my case, threaten legal action. I was petrified - I agreed to have them take money out of my account.. unfortunately money that I could not afford to pay because Im on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CAPITAL ONE BANK USA : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been getting my card stolen from a person from my XXXX XXXX that is a mutual of mines. At the time I didnt know who it was but I found out later on, I kept getting my card stolen by him and he would text from an anonymous XXXX blackmailing me, I would report fraud and get refunded and this would happen a good handle full of times. The situation here is that discover had enough of the fraud reports, so 2 fraud claims are not being refunded leaving me with the debt of balance I was left responsible for that I did not do. I tried filing a police report and the issue has not been yet handled, I knew who it was than I tried to reconcile with the person but he had just blocked me and went off the grid even my friend doesnt know where he is at. Its been over a month and I just want my card balance to be XXXX again! Please help me with discover to get it refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
HARD INQUIRY WAS NOT COMMITTED BY FRAUD 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 2024-04-11 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-04-11 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: TX

Complaint narrative:
Despite numerous attempts to rectify the glaring inaccuracies on my credit report, the bureaus have remained stubbornly indifferent! It's like trying to reason with a brick wall! How hard is it to get basic facts right? This isn't just a minor inconvenience ; it's affecting my financial standing and opportunities. I've jumped through hoops, provided documentation, and still, my creditworthiness hangs in the balance because of their incompetence. Enough is enough! It's time they own up to their mistakes and fix this mess they've created!

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 2024-04-11 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: TX

Complaint narrative:
Despite numerous attempts to rectify the glaring inaccuracies on my credit report, the bureaus have remained stubbornly indifferent! It's like trying to reason with a brick wall! How hard is it to get basic facts right? This isn't just a minor inconvenience ; it's affecting my financial standing and opportunities. I've jumped through hoops, provided documentation, and still, my creditworthiness hangs in the balance because of their incompetence. Enough is enough! It's time they own up to their mistakes and fix this mess they've created!

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 2024-04-11 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valley Collection Service, LLC
State: FL

Complaint narrative:
I received a notice from a debt collection agency regarding a parking ticket I had from XX/XX/year> that was unpaid by XXXX XXXX. I never received a parking ticket nor was I in XXXX XXXX on XX/XX/year> as the notice states. I live in XXXX and work in XXXX XXXX fl which is where I was on the day of this supposed parking ticket

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation