vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: IA

Complaint narrative:
I tried to pay my loan in full online 2 consecutive times, before student loan interest resumed. It would say my payment was pending for about 10 days and then received. Eventually I would check back to see if my loan was XXXX only to then see a payment reversal that was backdated to when I had initially paid it. This happened TWICE, so I called and paid via phone. This time it actually seemed to work, because I could see the balance was taken out of my account. Only to see now 30 days later my ENTIRE balance was allocated to one loan instead of allocated to my other loans according to how much I owe. I now have a notification claiming that I am late in my payments since my payment was not allocated correctly nor was I able to go online and do it myself due to the multiple payment reversals. Trying to get a hold of Edfinancial is impossible. The first time had a wait time of 3 hours, they had the option to hangup, leave my number and someone would call me back. No one did, I am currently on hold with them as I type this and it's been 2 hours and still haven't spoken to anyone. I've also emailed in the meantime ... no response. Absolutely the worse time trying to get ahold of anyone. Meanwhile I accumulate interest the more time it takes to get a hold of these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : 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 2023-10-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
Dear XXXX, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
Dear Experian, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX XXXX XXXX dropped my credit score by XXXX because a closed mortgage account account with Specialize Loan Service was removed from my Credit File. This account was paid in full & closed in good standard in 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have for XXXX weeks been trying to get an appointment with the loan relationship XXXX who is stated they received the modification request and POAs and XXXX related to medical issues and they will not provide a time with a relationship XXXX before the foreclosure date. 

Theyve gone up on the mortgage from its original payment price of {$650.00} per month to {$1200.00} per month. Theyve sent assessors out and charged that to the account, on top of the lender insurance. 
We made payments {$550.00} every XXXX weeks with AWD and that still was not enough to pay the mortgage. 

Had to resubmit POA paperwork to talk to them over a month ago ; I get shuffled from XXXX rep to another with different stories despite asking for escalation. Each week I am told theyll have an answer in 5 days on the modification, yet no answer. 

This is a game to them and its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I utilize the care credit card from Synchrony Bank and i use it to buy new eyeglasses when i need them. 
Its very convenient for me to get to eyeglasses without coming up with XXXX. 
Their main reason for my credit decrease was my credit, I've always paid on time and if i was a little late i would let them know. 
Ive always kept my credit with them in good standing. 
I think Synchrony bank is discriminatory towards people in certain income brackets

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 2023-10-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX account XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish an account without my written instructions.

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 2023-10-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting actXX/XX/XXXX account XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish an account without my written instructions.

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 2023-10-16 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: OR

Complaint narrative:
I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: OR

Complaint narrative:
I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Financial Service abruptly closed my account after 8 plus years without any satisfactory reason or the requested documentation. Discover continues to sent unsigned computer generated responses with no living person to converse with or direct my inquiries. They are required by law to supply the consumer with the information that has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: OR

Complaint narrative:
I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.

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 2023-10-16 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: IL

Complaint narrative:
To whom it may concern. I have reached out to Experian on XXXX  separate occasions to validate and delete account information that pertains to another consumer. First time in XX/XX/XXXX and the second time in XX/XX/XXXX. In XX/XX/XXXX, I received a response from Experian and they deleted closed accounts that are not mine from my credit report. All the active and outstanding debts from another consumer are still reporting on my credit report. This is negatively impacting me in obtaining my own home. Please see below for this information. Thank you. 

XXXX XXXX XXXX Past Due {$5900.00} XXXX XXXX  Collection {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$710.00} XXXX XXXX Past Due {$600.00} XXXX XXXX Late Payments in XXXX XXXX XXXX XXXX Charge Off {$6900.00} XXXX XXXX Charge Off {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} Incorrect Consumer Information : XXXX XXXX Debts above belong to the consumer above.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX Chase Bank sent me an email stating XXXX 2023 I was approved for a Credit card and an actual card came on XXXX. I went to the institution today XXXX. I informed them I had applied for a credit card and the employee XXXX XXXX assisted me with calling customer service to cancel the credit card and fill out a fraud alert. The amount of {$5000.00} was the credit limit. They had no explanation on why I received this card that I didnt apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: MA

Complaint narrative:
I submitted a payment for my student loans to Nelnet. Received confirmation my payment went through and the money was also gone from my bank account a couple of days later. 

I checked my Nelnet account a month later only to see my payment was kicked back to my bank account with no notification. During that time over {$140.00} interest was accumulated. I called to see why this was the case and all they said it was some error with my saved payments on their end. They refused to waive the interest accumulated from my initial payment that was kicked back due to their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I disputed the debt that has a date of XX/XX/2023 in the amount of XXXX I dont have a contract with the collector therefore I dont owe them any money. This is supposed to be a medical bill and for a third party to have medical information that allegedly belongs to me is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of XXXX5 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to XXXX XXXX XXXX XXXX which XXXX XXXX " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in XXXX XXXX XXXX and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.

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 2023-10-16 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: NC

Complaint narrative:
Account # " XXXX '' IS INCORRECT ON MY CREDIT REPORT. ON XXXX IT WAS OPENED XX/XX/2023 ON XXXX IT WAS OPENED XX/XX/2023 ON EQUIFAX IT WAS OPENED ON XX/XX/2023 ALSO I DONT HAVE A CONTRACT STATING THAT I OWE ANY MONEY TO " XXXX XXXX XXXX XXXX XXXX ALSO " XXXX XXXX XXXX XXXX XXXX HAS MY NAME INNCORRECT ON MY CREDIT REPORT. 15USC 1681A4 : THERE IS A NEED TO INSURE THE CONSUMER REPORT AGENCIES EXCERCISE THEIR GREAT RESPONSIBILITIES FOR FAIRNESS & PARTIALITY AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 15USC 1681BA2 : SUBJECT TO SUBSECTION " G '' ANY CONSUMER AGENCY MAY FIRST CHECK THE CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER, AND QUOTIENT WITH WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. XXXX XXXX XXXX ALREADY DELETED THE COLLECTION FOLLOWING THE RULES, I JUST NEED EQUIFAX TO COMPLY. CAN YOU PLEASE DO A THOROUGH INVESTIGATION & DELETE THIS FALSE COLLECTION DUE TO THE COLLECTION & EVERYTHING ELSE BEING INNCORRECT. THANK YOU I REALLY APPRECIATE IT. XXXX BLESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am not liable for this debt with XXXX I do not have a contract with SUNRISE CREDIT SERVICES, they did not provide me with the original contract as I requested

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 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I paid way over 100 % of this loan. I called to pay off principal before pay dye and they suddenly are adding additional charges. I should be clear of this loan but its predatory and not honest business

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