vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: TX

Complaint narrative:
On XX/XX/24, I have bought furniture from XXXX XXXX XXXX store here in XXXX, Texas. I received financing for a sectional and a bed set. It was some discrepancies with the sectional that was delivered due to the making of the sectional so I was discounted on the sectional. I obtained financing through XXXX XXXX XXXX and Koalifi finance. The company sent the sectional invoice to both finance companies. They have me paying for XXXX sectionals basically {$3000.00} each to both financing companies. Basically {$6000.00}. Please note my total invoice was {$4500.00} and some change. The bed was only {$1400.00}. I have tried communicating with the store XXXX XXXX and XXXX. The sales guy I was working with, XXXX mysteriously was fired. I think fraud has been happening before at this place with financing. They keep telling me they will handle it but dont. They know people have a 90 day window to pay the accounts off and if its not paid I will have to pay more. Also, the commission on the higher sale was already paid out. I dont know but Im being charged {$6000.00} for a {$4500.00} transaction, which is on my invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XXXX XXXX is a collection agency who refused to remove negative information from my credit report. The original creditor withdrew the account and dispite disputes they are still trying to collect a debt now owed and one that has been wiped out by the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX Revolving opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Revolving opened on XX/XX/XXXX and a balance of {$2300.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/2024 I received a letter stating my XXXX XXXX loans qualified for a full discharge. My loan servicer is Nelnet and while these loans still appear on my account and credit report, my borrower 's defense application does show as pending discharge on the XXXX website. 

On XX/XX/2024 I received a letter from Nelnet stating I may be owed a refund. It instructed me to verify my address and stated within XXXX days of address verification, I will receive a refund in the mail or a letter stating why I do not qualify for XXXX. I verified my address via phone on XX/XX/2024. 

The XXXX days have passed and I have received no refund or information. I called Nelnet and all they could tell me is nothing would happen until my loans we're discharged. Why would they list a XXXX day window on their letter if they did not intend to uphold that timeframe? I also emailed Nelnet for an update and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX SOLD XXXX DEBT TO COLLECTORS TO WHOM VIOATED THE DOOD FRANK ACT .SOL EXPIRED AND STILL FALSELY REPORTING AS S UCH

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CBC Companies, Inc.
State: TX

Complaint narrative:
THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, INNOVIS, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT PARK ROW APARTMENTS # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
hey my name is XXXX XXXX and i m XXXX. i just found out there a credit card the are chared off on my credit report.XXXX i never open a credit card at all. i have trying work with chase company and they refused help or remove the account off my credit report.. they are stubborn and cant help me at all. the experian wants me files report here...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays banana Republic XXXX was supposed to put my account in forbearance and my payments until I could pay it completely off. They did not and reported me delinquent of 30 days and 60 days in XX/XX/XXXX and XX/XX/XXXX when I paid them off in full, they gave me a payoff number, including all interest charged and confirmed to me that my payment would take me to a complete zero account and then I closed it. They however, held my payment posted against their policies on the next day and charged me additional interest because they held my payment. I contacted them. They credited me for the additional interest charge. They also tried to make me delinquent again after I paid them off They also reported to my credit report after I went to a XXXX balance and closed my account, reported me over my credit Limit and reported me over my credit balance on my credit report. I requested them to fix these deficiencies. They refused. I reported this to XXXX XXXX and XXXX XXXX the 30 day delinquency when I paid it off was corrected. They fixed my account to be paid off and a XXXX balance but they however, did not fix the delinquencies of XXXX and XX/XX/XXXX. I believe this company operates maliciously and Operates in bad faith. If you look at my credit history on my credit report, I have several open accounts most of them I have paid off and I dont have any bad payment history with any of them. This is the only bank that I have ever had an issue with I would like this corrected and fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: DE

Complaint narrative:
On XX/XX/year>, I discovered that a total of {$52000.00} had been fraudulently removed from my Credit Karma checking and savings accounts. The fraud began with five separate unauthorized transactions of {$10000.00} each. Additionally, my account details, including the associated phone number, were changed, locking me out of my account. The criminals were able to generate a digital debit card and proceed to clean out the remaining funds. 

Actions Taken by Me : XX/XX/year> : Immediately contacted Credit Karma 's customer support via phone and email to report the unauthorized transactions and requested to freeze my accounts. I provided all known details of the fraudulent activity. 
July 23-24, 2024 : Made repeated attempts to follow up with Credit Karma 's support team, including additional phone calls and emails, emphasizing the urgency and requesting the account freeze and recovery of funds. 
XX/XX/year> : Despite my continued efforts, my requests were largely ignored, with one phone call ending abruptly without resolution, and no follow-up on my email requests. Meanwhile, the criminals continued to access and drain my account.

Lack of Response and Impact : Credit Karma 's Response : The response from Credit Karma 's support team was inadequate and unhelpful. They failed to freeze my accounts promptly, allowing the fraudulent transactions to complete. The requested support for filling out a notarized dispute form was not provided, and my inquiries went unanswered.

Health Impact : As a Type 1 diabetic, the stress from this incident has significantly affected my health, nearly resulting in a hospital visit due to the severity of the situation.

Privacy Concerns : For over 48 hours, my entire credit information was accessible to the criminals. This included sensitive information provided in the Credit Karma dashboard : Full credit report details Personal identifying information ( PII ) Account balances and transaction history Credit scores and factors affecting them Linked bank account information Other personal financial information that could be leveraged for further fraudulent activities Request for Resolution : I am seeking immediate intervention to recover the stolen funds and secure my account. Given the lack of adequate support from Credit Karma, I am requesting the CFPB 's assistance in this matter to ensure that my concerns are addressed and appropriate measures are taken to prevent further unauthorized access and to provide the necessary support to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
XXXX XXXX Revolving account opened on XX/XX/XXXX and a balance of {$15000.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Open account opened on XX/XX/XXXX and a balance of {$1000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Revolving account opened on XX/XX/XXXX and a balance of {$2300.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
RE : MR. COOPER. We are a settlement agent. We submit escrow checks XXXX times a day for loan payoffs. Of Course, many of these payoffs are to Mr. Cooper, a large loan servicer. There must become a better way for Settlement Agents to obtain Accurate Payoff Statements. While Mr. Cooper makes errors, we have experienced XXXXXXXX XXXX XXXX XXXX XXXX also make these same errors. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are likely the worst offenders at not providing payoff statements promptly to consumers, with XXXX XXXXXXXX being the absolute worst and should absolutely be put under the microscope of CFPB for their operations. 

Mr. Cooper called Our law firm ( who issued the check ) regarding the payoff shortage since Mr. Cooper 's payoff statement was inaccurate based off a disbursement from the Escrow Account While this issue of short payoffs ( related to disbursements around the settlement date creating a negative escrow account and thus an increased payoff ) happens from time to time, Mr. Cooper representative ( presumably the representative in possession of the payoff check ) would call our law firm, and even gave the short payoff amount over Voicemail. The representative would then leave their customer service XXXX number, and the law firm had no way to contact her directly and phone is answered by a computer. When we reached someone, after hours on hold and getting to the correct dept., the representative WOULD NOT provide the payoff shortage amount over the phone even though another representative left the shortage amount ON A VOICEMAIL. The Mr. Cooper representatives ( two were on the line ) then HUNG UP on me, all while we were simply trying to confirm the payoff shortage amount and wire instructions so that the loan would be paid in full and thus their LIEN would be released. There MUST be changes with loan servicing companies so that Settlement Agents can do their jobs. The loan servicing companies ' operations are horrible and must be improved for the sake of the economy at large and protection of consumers in buying and selling houses or refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NY XXXX XXXX XXXX Date To : Macys XXXX Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Attn : XXXX XXXX Executive Office Dear XXXX XXXX, My name is XXXX XXXX, and I am writing to address the ongoing issues with my Macys credit account ( Account Number : XXXX ). Despite multiple attempts to resolve these matters over the phone, I have not received the necessary assistance to correct the inaccuracies on my account. 

XXXX. Disputed Charge and Lack of Support : I have called Macys customer service many times to dispute a charge of {$31.00} and address other concerns. Each time, the representatives were either unwilling or unable to assist me effectively. Macys should have records of these calls to verify my repeated efforts. 
XXXX. Late Fee : I acknowledge the late fee of {$31.00} charged on XX/XX/year>, and its subsequent credit on XX/XX/year>. However, this does not resolve the main issue of incorrect reporting. 
XXXX Credit Reporting Inaccuracy : My account was reported as 30 days delinquent in XX/XX/year>. I have consistently disputed this information, stating that payments for XXXX and XX/XX/year> were made but not properly applied to my account. 

Additional Impact : Due to this delinquency on my credit report, my auto insurance increased to {$330.00} per month. This has been a significant financial burden. 

I request that Macys conduct a comprehensive review, including the phone call records, and correct the inaccuracies on my account. Additionally, I request the removal of the disputed by consumer note from my credit report once the issue is resolved. 

Additionally, I do not want any Macys advertisements sent to my apartment. 

I hope to resolve this matter amicably and promptly. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief