vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute letter to Equifax regarding the existence of these un approved inquires listed on my consumer report and i haven't heard anything back from Equifax. 
Also attached with my letter is the FTC report for the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XX/XX/2023 I booked flights from XXXX XXXX to XXXX to XXXX XXXX XXXX XXXX XXXX and returning from XXXX XXXX to XXXX to XXXX on XXXX XXXX for a total of {$5000.00}. 
Due to bad weather the XXXX XXXX were cancelled. So I had to cancel the whole trip. 
On XXXX XX/XX/2023 I received a credit of XXXX. This was the cost of the XXXX XXXX to South Dakota I never got the credit for the XXXX Flight for {$2700.00} On XXXX XX/XX/2023 I rebooked the flights for a later date for {$5400.00}. The return flight from XXXX XXXX to XXXX was cancelled and we had to book another flight. We were in first class for the original flight from XXXX to XXXX but were in coach for the rescheduled flight. On XXXX XX/XX/2023 I got {$460.00} back for the price difference in tickets. 

On XXXX XX/XX/2023 I contested the {$2700.00} I had not gotten a refund for from the cancelled flight and it was removed from my account. 
On XXXX XX/XX/2023 I was billed again the original {$2700.00}. 
I am still due a credit for the {$2700.00}. 


XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Original Trip purchase price XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX XXXX XXXX Refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Sale XXXX Rescheduled Ticket Purchase XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX First Class To Coach Ticket Difference refund XX/XX/2023 XX/XX/2023 CL *Chase Travel Travel Return XXXX Dispute Credit XX/XX/2023 XX/XX/2023 REBILL CL *Chase Travel Travel Sale XXXX Dispute rebill

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form. The servicing Company XXXX XXXX XXXX ( XXXX ) stated on the attached statement that you are Trustee of the loan. They are showing that interest and taxes accrued right up until the day of closing. 

I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.

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 2023-12-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: NY

Complaint narrative:
The identify verification information being used by Security Services Federal Credit Union is not correct and is prohibiting the correct verification of my identity. This problem is not unique to SSFCU. It has occurred with several banks because they because their source information, presumably procured by the credit rating agencies, is not correct. My credit information is often confused with my father 's information. I have tried to disentangle this with the credit rating agencies before with limited success. I am currently trying to open a CD with SSFCU and keep getting asked identity information about my father. I am therefore required to answer information about my father to verify my own identity. Even when I try to correctly answer all questions, some information I simply don't know, like the color of the car he bought before I was born. This is a system problem that needs to be fixed, but neither the credit rating agencies procuring the information, nor the credit union using it, are willing to take the effort to fix it.

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 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MECHANICS BANK
State: CA

Complaint narrative:
I made a deposit of {$300.00} on XX/XX/XXXX somewhere around XXXX to XXXX XXXX Upon making the deposit, the ATM did not give me a receipt and I recall stepping back looking at the machine as to why I did not get a receipt. I then walked away thinking that maybe the ATM machine was out of paper. On XX/XX/XXXX I checked my account and there was no deposit. On XX/XX/XXXX I checked my account again and there was no deposit. I then contacted the bank to inquire. A claim was filed, but with the wrong date. On XX/XX/XXXX I contacted the bank to make sure they had the correct date of XX/XX/XXXX. I went into the bank on XX/XX/XXXX to sign the complaint and deposit {$300.00} into my account. I was given a reference number. The company sent a letter on XX/XX/XXXX stating they did not find that an error had occurred. I contacted bank on XX/XX/XXXX requesting bank XXXX to audit and review video camera on XX/XX/XXXX between XXXX XXXX. and XXXX XXXX I have spoke w/ bank XXXX several times and I was told that after auditing and reviewing video camera of ATM ( on the right ), a representative in the bank didn't recognize me in the video of the ATM. I sent pictures of myself as well as a screenshot of my location from my phone showing that I was at the bank. I am still being told that after their review of the video it does not show me. I am positive I was at the bank and made a deposit on XX/XX/XXXX. I even had a witness with me because I did not feel safe going in that area alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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 2023-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2023 i woke up to two alerts from XXXX XXXX at XXXX XXXX  that there was an update on my credit report and a hard credit check was added to my report. 

i recieved two more alerts from Capitol One at XXXX XXXX  that my phone number was updated and i was appoved for a card despite never applying for XXXX. 

I recieved an alert from both XXXX at XXXX XXXX  and XXXX XXXX at XXXX XXXX  that there were new inquiries on my credit report so i need to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
A collection account was posted to my credit report by Credence Resource Management a few months ago. I disputed the account as I had no knowledge of it and it was removed after 30 days, and then has resurfaced again on XX/XX/XXXX. I have been receiving credit alerts from the credit bureaus indicating my information has been spotted on the dark web. Name, social, email etc. I have attributed this account with these activities. 

I have never had a business relationship with XXXX as this is the company the collection agency is trying to collect for. I have re-disputed this collection activity with XXXX Credit Bureau. They advised I get a police Report and file a report with the FTC which refer me to this website. 

CREDENCE RESOURCE MANA has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
XXXX XXXX lowered my credit limit based on this reporting agency 's ( Innovis ) report and it is significantly lower than all the others and they refused to provide me with an actual copy of the report and the reasons for lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention a matter concerning my eligibility for student loan forgiveness. Earlier this year, I received a letter indicating approval for loan forgiveness. However, when the forgiveness process commenced, I was inadvertently skipped, and my loans remain outstanding. 
I firmly believe that I meet the qualifications outlined in President Biden 's student loan forgiveness plan. I kindly request a thorough review of my case to determine my eligibility for partial or complete forgiveness of my student loans. 
I appreciate your prompt attention to this matter and look forward to a fair assessment of my eligibility for student loan forgiveness. Your assistance in resolving this issue will be invaluable in alleviating my financial burden. 
Thank you for your time and consideration. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 a victim of identity theft. I have submitted the correct paperwork according to the FCRA and my disputes are not being submitted correctly. The paperwork and my FTC report is not being attached. I am not getting copies of the verification process These are the accounts : 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 2023-12-06 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX XXXX claim XXXX I stated the item was lost. My policy covers me for lost items up to {$1000.00}. This was reported within 90 days and my claim requests a technician 's evaluation of the item. The item is lost, and can not be evaluated by a technician. The representative I spoke to on XX/XX/2023 would not let me file the claim as " lost '' stating my policy did not cover lost items. He said only theft was covered. I am not certain the item was stolen. Therefore the claim is reported lost under section i. of the " Mysterious Disappearance '' section of my purchase protection card policy. 

I spoke to XXXX different representatives, and both initially stated I could not file for a lost claim. Associates are not properly trained and are giving misinformation resulting in denial of claims of card members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Review the attached documents. I request an investigation into the accounts that inaccurately report me as late, despite my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Take a look at the documents attached. I request the bureau to commence an investigation into the accounts reporting me as late, despite my continual on-time payments.

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 2023-12-06 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: CT

Complaint narrative:
XXXX continues to play games in regards to my credit report, have sent them the documentation they required over XXXX times and they are not adhering to fair credit act laws at all. I'm attaching the documents requested again, with a copy of their request so when this is taken to the next level, there is clear understanding of the financial /economic and psychological harm they caused me for over 1 year now. 

I feel bad that such irresponsible people are even taken seriously enough to monitor credit files, what they've done and are doing is irresponsible and with the amount of times they've been notified makes what they are doing criminal and deliberate, as those who stole my information as XXXX is doing the same thing..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681, which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666a, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for violations related to a debt allegedly owed to XXXX XXXX XXXX Despite my requests for comprehensive validation under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX has failed to provide : 1. A signed original contract or agreement.

2. Evidence of their authority to collect the debt.

3. Clear verification of the debt 's legitimacy. 




Moreover, there is a discrepancy in their communication, citing both " XXXX XXXX '' and " XXXX XXXX, '' raising concerns about their accuracy and credibility. 




Earlier, a similar case ( XXXX XXXXXXXX # XXXX ) with " XXXX XXXX XXXX, XXXX '' regarding this account was resolved by removing the inaccurate report. XXXX 's inability to provide adequate validation, as legally required, should result in the same action. 




I request the CFPB 's intervention to ensure compliance with federal consumer protection laws and to address this inaccurate and potentially damaging credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: NY

Complaint narrative:
The debt is for services rendered on XX/XX/XXXX by the XXXX XXXX XXXX. I received multiples letters from them after the date of service demanding payment. I disputed the debt each time and refereed them to my insurance company. They did not made any effort to resolve the issue or provide with documentation on services rendered, because they kept sending me the exact " Amount Owed '' letter over the course of XXXX. 

At this point they charged off the amount owed to their collections department and continued to send me letters demanding payment and late fee charges. I once again disputed the dept, referencing this is a matter between them and my insurance, and their failure to provide the documentation noted above. 

Since XXXX, I have heard nothing from XXXX XXXX XXXX and did not receive notice that " my debt '' was sold off. I had no idea who Commercial Acceptance Company until they recently filed a derogatory notice on my consumer credit account, resulting in a drop of credit score. The NY State AG contacted them and their reply was that the debt was legitimate and that they had sent my a letter on XX/XX/XXXX. 

I again dispute the original debt. I failed to receive any timely notice or documentation that the original amount owed was attempted to be collected from my insurance. I also received no notice of transfer from XXXX XXXX XXXX. The amount now owed is also inaccurate and suggests predatory business practices I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: KY

Complaint narrative:
Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # 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 2023-12-06 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: KY

Complaint narrative:
Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief