vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I've been dealing with this since XXXX. Please help. I have ten loans in default held by PHEAA. I reached out to PHEAA asking about eligibility for XXXX XXXX program. I was told that my loans would be transferred, but they so far have not been. I believe my initial contact with PHEAA was on or about XX/XX/XXXX, and subsequently, on or about XXXX XXXX XXXX I was in touch with PHEAA again on XXXX XXXX XXXX I was told that my loans would be transferred to XXXX, but that, again, I would just have to wait. 

I have contacted D of Ed on XXXX XXXX XXXX XXXX, only to be referred to PHEAA. My last contact with D of Ed on XXXX  is still " under review. '' StudentAid.Gov tells me that I have these loans in default, with balance of ~ {$98000.00}, but both PHEAA and AES don't make the info available to me, though I can see on StudentAid.Gov that interest continues to acdrue. 

I have recently paid off a balance of ~ {$30000.00} with XXXX. 

I am in a position to pay approximately one-half of this balance, and then continue making payments, and have been trying to resolve this since XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to seek your intervention regarding a dispute with Synchrony Bank concerning a Lowe 's credit card account. Synchrony Bank has initiated legal action against me, issuing a summons to court. However, they have failed to provide adequate verification or validation of the alleged debt as requested. 

In response to the summons, I sought to verify the legitimacy and accuracy of the claimed debt. The specific information requested from Synchrony Bank includes : Proof of the Debt : A request for the original contract or other documentation establishing my agreement and responsibility for this debt. 

Account Statements : A detailed breakdown of the claimed amount, inclusive of any fees or charges added. 

Licensing Information : Verification of Synchrony Bank 's license to collect debts in my state, including their license numbers and registered agent. 

Ownership of Debt : If the debt has been sold or transferred, I requested documentation establishing Synchrony Bank 's legal right to collect it. 

Detailed Calculation : An itemized calculation of the total amount owed, encompassing interest and any additional charges. 

Credit Report Entries : Clarification on how this account is being reported to credit bureaus, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite these requests, Synchrony Bank has not provided the necessary validation or verification of the debt. This lack of response raises concerns about the legitimacy and accuracy of the debt claim, especially in the context of the pending legal proceedings. 

At the time of receiving the summons related to the aforementioned debt, I was a resident of the State of Florida. However, I received the summons while temporarily visiting New York. Despite this, I took immediate and appropriate action to respond to the summons in a timely and proper manner, in accordance with legal requirements. 

My response was duly submitted to the Supreme Court XXXX XXXX XXXX, XXXX, New York. This detail is crucial as it pertains to jurisdictional matters and my legal standing in this case. It is important to note that my primary residence and state of legal residence during the period in question was Florida. 

I am now seeking the assistance of the CFPB to address this issue. Your intervention is crucial in ensuring that Synchrony Bank adheres to the legal standards for debt collection and reporting, as outlined in federal regulations and in safeguarding my consumer rights. 

Thank you for your attention to this matter. I am hopeful for a prompt and fair resolution.

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 2023-12-07 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:
My name is XXXX XXXX. 

I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and have a listed collections account from t-mobile which was passed onto a collection agency. There are also some errors on my report such as wrong addresses and names that I want removed as soon as possible. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.

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 2023-12-07 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: MD

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 2023-12-07 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: Solar Mosaic LLC
State: MO

Complaint narrative:
XXXX notified me of a XXXX XXXX dollar loan and a XXXX XXXX dollar loan showing on my credit report with Solar Mosaic LLC. Neither loan is mine and I have disputed them with each of the credit reporting institutions. I called Mosaic and they said they can not find me in their system. ( because they are not my loans ) The loans are for solar installation and I don't have XXXX. I also live in XXXX  and the loans are for XXXX. I also have a new XXXX address on my report that does not and has not ever applied to me. I have never lived in XXXX. I have not cosigned for either of these loans but can not get anyone to help me get them off my credit report. My credit has gone down from close to an 800 credit score to XXXX because of these two loans showing on my credit report and I work hard to keep a high credit score. Can anyone please help me get this resolved please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MA

Complaint narrative:
This account is charged off. If this account was indeed a charged off why didn't I receive 1099 C form from the creditor. They got a tax credit off and I should not have this debt on my credit profile. Please send me any forms and documentation that you have the right to report this a debt if you can not do that please remove this debt from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase account confirmed I was a victim of fraud scam charges on the phone. 
They neglected to alert me my account was compromised and it took me a long time to piece together someone who had accessed by account and routing number making several disguised transactions as XXXX XXXX. 

This traces back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, Experian and XXXX removed 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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I called to find out why my payment was taking so long to post after coming out of my bank and found out that posted but did reflect in my limit and they said that the past purchases went towards the amount of my XXXX payment. I stated that I had already made a payment of XXXX yo cover the initial payment and cover the interest charge bring my payment up to date. Then XXXX  days later I payed XXXX toward the card.i told them that all the charges had already cleared and I should have XXXX available. They said no. XXXX XXXX angry and told them that they are ripping ne off and she stated that's how it works. So I hung up the phone in anger.

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 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
They keep reporting on my credit and I do know owe them anything they will not verify the debt the they say I owe. And I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the 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 2023-12-07 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

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 2023-12-07 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: IN

Complaint narrative:
15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2023-12-07 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: MO

Complaint narrative:
Once again experian starts closing complaints without having addressed any of the issues which is NOW EXPERIAN HAS STOLEN 18 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I originally had an issue with PNC Bank not paying all my taxes in full. They only paid Half of the taxes. This is was resolved. My issue now is that due to the fact that my taxes were paid late there were late payment fees attached. When PNC finally corrected this problem they paid the late fees out of my escrow account in the amount of {$250.00}. 
Their reason for using my escrow account was because I didnt notify them that I had two separate tax accounts. I did not know that the town of XXXX tax department had made my account into two separate bills. I do not feel that I should have this late fee taken out of my escrow account since it was not my fault. 
PNC bank is now telling me that my mortgage payment will probably go up and that I will be paying more for my monthly mortgage when they figure out what I owe in escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07 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: AZ

Complaint narrative:
Dear Equifax RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed.

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 



Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 

The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. 




XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 



You supposed to add notice within 30 days not 1 day over as I have proof.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I took a debt consolidation loan out in XXXXXXXX XXXX  ; My mom co-signed the loan and have accounts with XXXX family credit union. I was told that the procedures were to either give the check ( s ) to the loanee or mail directly to the institutions because I live out of state the loan manager mailed the checks to the different institutions. Three were sent appropriately and XXXX is disputed. XXXX said they sent it to Cardmember Serice to a XXXX XXXX XXXX XXXX, XXXX The check has my name and my XXXX account in the memo of the check and the XXXX loan manager said she included a copy of the statement with the check. However, XXXX confirmed they did not receive it. The check was cashed by Wells Fargo. Wells sent a letter to me that the check was not deposited into any of my accounts. XXXX said they mailed it to the XXXX XXXX XXXX, we don't know how it got to Wells Fargo and why they cashed it. A complaint against Wells Fargo is also on-going. 
XXXX said they do not know who to contact at Wells Fargo and suggested he go to Wells Fargo to find where it was deposited. Wells told him to have XXXX file a complaint, which in process.

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 2023-12-07 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: NJ

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
I applied for the save program in XX/XX/2023 before student loan payments resumed. I was just granted student loan SAVE program on XX/XX/XXXX. By then NELNET tacked on XXXX in accrued interest. I want the accrued interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: SC

Complaint narrative:
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: WV

Complaint narrative:
All my XXXX XXXX loans were consolidated with XXXX back in XXXX 2023 ( READ THE DOCUMENTATION ) whereas experian has been showing XXXX XXXX and XXXX both at same time. Experian also one of the only 3 credit bureaus that still list them as active. Where is Experian getting this data that it's still active because it's not XXXX XXXX as I have a XXXX balance, which is attached.

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I called the bank to dispute a Charge for Services not received, Merchant is charged me only for his Time not for a Permanent Repair done on my Truck. 
I submitted to the Bank both receipts one from XX/XX/2023, {$140.00} and another from XX/XX/XXXX {$70.00} both charges are from the same repair about a Hydraulic Hose. 
I called the Bank to initiate a Dispute and I submitted the same documentation I'm doing at this time after few days I received a denial letter from the Bank. 
At this time I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
So in this charge Applies under the Fair Credit Protection Act what I reported to the Bank to dispute services not received. The Bank Should disputed with the Merchant Bank to get my money Back.

Company response to consumer: Closed with explanation