vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Inaccuracies reported by SYNC/SAMS CLUB XXXX XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX for {$1100.00} on XX/XX/year> and XXXX XXXX  XXXX XXXX ) XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX for {$830.00} on XX/XX/XXXX, XXXX 

to XXXX, XXXX, and XXXX credit bureaus. After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. 

I also dispute a Hard Inquiry on my Credit Report By : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY 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 explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I have two different collections from EASTERN ACCOUNT SYST on my credit report, upon further investigation they collect debts from cable companies. I have live with my parents and never had any cable internet or anything in my name. I have another collection on my account thats not mine so that's how I know this is from id theft. I have filed a police report on the matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
Debit was paid for. And is still on my report and they keep raising the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} THE LIST ABOVE OF THE ACCOUNTS, Have violated my written instructions, confidentiality under 1681. With inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX a credit card was issued in my name on XX/XX/2024 for the amount of XXXX dollars I did not authorized or apply for this credit card or tXXXX 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 2024-06-23 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan serviced by NewRez, dba Shellpoint, was on auto pay in XXXXXXXX XXXX XXXX. In XXXX XXXX XXXX NewRez cancelled my autopay claiming a returned payment as NSF. The linked bank account had a substantially sufficient balance and NewRez reported this payment as late to the credit bureaus despite me making a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This entry was added without my authorization. According to FCRA section 605B, it's required by law to obtain my consent before including any information on my credit report. By law this is fraud please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
Constant calls and texts messages stating I owe debt and will be contacted by a debt collector. I block all the calls and report the texts but they still come. A few years ago I was on a payment plan to pay off a bill that I owed and they stopped after XXXX years so I thought they were paid off because of this but then got calls stating they were a debt collection team associated to the company I had previously had the payment plan with and signed up for another monthly payment to them so my credit didnt decline since they said that would happen and I thought they were with this company. However, I changed my bank debit card and the payments stopped and a year or so later I got calls again. With the knowledge I have about these scams now I have blocked all calls and deleted texts from these said debt collectors. Being on my payment plan for months theres no way they were not paid off also. Its sad and scary cause it is hard to know what companies and people are real anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
There were XXXX transactions I did not make showing cash app XXXX for XXXX and the other XXXX for XXXX contacted them and right away denied my refund please help me as they are not willing to help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
I opened a XXXX mortgage with cross country mortgage in XXXX. and have had nothing but difficulty making payment, no fault of my own. I tried to make the first payment that was due on XX/XX/XXXX by sending a check for the monthly payment of XXXX on XX/XX/XXXX using the payment coupon that came with my closing documents, assuming that sending it XXXX days early it would be there on time. As the due date got closer, I noticed that my payment had not been posted or cleared my bank account. I contacted Cross Country mortgage and was very rudely told that the mail was slow, and they did not hold on to payments when they are received. I decided to go online and make a payment online to ensure my first payment was paid on the due date. As of today XX/XX/XXXX, the original check I sent on XX/XX/XXXX has not been cashed or cleared my account. I called Cross Country mortgage last week asking them if they had received the check and what was the status of it. I was told by Cross Country representative that my loan servicing had been sold to a new company and they seemed surprised in my view, that I had not received notification from the new servicer. The representative from Cross Country said I should be receiving notification from the new servicing company in the next couple of days and that the check I wrote was forwarded to the new loan servicer. As of Today, XX/XX/XXXX I have no idea who to send my next payment due XX/XX/XXXX to and I still do not know what the status of the check I wrote XX/XX/XXXX is, making my payment should not be this hard. I have never had as much problem making my mortgage payment, then I have with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: MD

Complaint narrative:
In checking over my credit report, I discovered several hard inquiries that I did not authorize.

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 2024-06-23 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I requested the original bill I received nothing I requested who the bill was to and from I never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: MOHELA
State: NH

Complaint narrative:
On XX/XX/XXXX, I requested to increase my Autopay amount to pay off my loans faster. The only way to do this is to cancel my current Autopay series and addd a new one, so this is what I did. I received confirmation that my Autopay had been cancelled and my request to enroll had been received. 
On XX/XX/XXXX, my payment due date passed without notification. I guess this is my fault for not checking that my new Autopayment had been processed by the due date. 
On XX/XX/XXXX, I received an email that my payment had been missed. I immediately logged on and made a manual payment of the full amount overdue plus the next month 's payment, {$420.00}. I received a payment confirmation for this payment. 
On XX/XX/XXXX, I received another email that my payment had been missed. I logged in on the XXXX to find that while a record of my payment on the XXXX existed, it had immediately been reversed with a " Payment Reversal ''. I did not receive any notification that my payment has been reversed, and I certainly did not request it. No further information on this " Payment Reversal '' was available. I made the same payment again, {$420.00}, and received another payment confirmation. 
Today, the XXXX, I received another email about my missed payment. I logged on again to find that, again, my payment had been reversed without any notification. The payment reversal was dated to the same date I made the payment, but I have been checking the status of this payment regularly and as of at least the XXXX, this reversal did not exist. 
I also received emails today about my loans being removed from Autopay, again, but when I log into the site they are all showing up as being enrolled. 
I am at a loss for what to do. Twice, in good faith, I have made manual payments and twice those payments have been reversed without my knowledge or consent. My Autopay status is very unclear, and I have no idea if I can expect my Autopay payment to go through on the intended date, and if it doesn't, I don't know what else I'm supposed to do if every time I make a manual payment it is reversed without my knowledge. Payments have previously been successful using this same bank account, and there is plenty in the account to cover the payments I am trying to make. I don't want to " miss '' another payment when I am doing everything in my power to make them, but my money isn't being accepted for no known reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: MD

Complaint narrative:
While examining my credit report, I came across a number of hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to XXXX. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to XXXX. I was able to log into XXXX with the account info and pay the bill. I called XXXX XXXX to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX XXXX credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to XXXX. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to XXXX. I was able to log into XXXX with the account info and pay the bill. I called XXXX XXXX to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have spoken to several times with Navient over the nature of these loans. After a previous complaint, I was told that after further investigation, I did in fact meet the requirements for a discharge application. I was emailed an application and sent my application in within XXXX business day of receiving it. I also supplied an Executive Summary issued from the Department of Education that outlined the misconduct practices which my school engaged in. I also provided proof of my loans being discharged from the federal government due to the misconduct of my school. I received a denial of my discharge from Navient due to not " meeting the requirements for discharge based on misconduct by my school ''. I was given no further information about what the criteria was that they were looking for or what specific criteria I did not meet. I do not understand how I have Department of Education findings, based on evidence provided by attorney generals, does not substantiate that my school engaged in misconduct. In addition, Navient was previously XXXX XXXX which engaged in unsavory practices with XXXX XXXX XXXX, which is who originally owned my loans before transferring them to Navient. I can not get further detail as to why my discharge was not approved. Based on president of the school, the Department of Educations Findings, and previous class action lawsuits against Navient, my discharge should have been approved. I would like to settle this without the need for legal proceedings. I have also contacted my state Attorney General about this process which has a severe lack of transparency and honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: GA

Complaint narrative:
Dear XXXX, I am writing to formally dispute and bring to your attention violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following accounts : XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, my rights have been infringed upon in the following ways : Right to Privacy : Under 15 U.S.C. 1681 ( a ), I have the right to privacy concerning my credit information. However, it has come to my attention that the above-mentioned accounts have mishandled my personal information, violating my right to privacy as outlined in the FCRA.

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. Each of the aforementioned accounts has reported information to credit reporting agencies without obtaining such instructions from me, thereby violating this provision of the FCRA.

These unauthorized disclosures have caused significant distress and potential harm to my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against the responsible parties to ensure compliance with the FCRA.

Enclosed, you will find copies of relevant documentation supporting my claims, including credit reports, and any correspondence with the respective account holders.

I appreciate your prompt attention to this matter and look forward to a resolution. Should you require any additional information or clarification, please do not hesitate to contact me at the contact information provided above.

Thank you for your assistance in protecting consumer rights under the FCRA. 

Sincerely,

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This complaint is about Barclays XXXX XXXX and the JetBlue Plus credit card. 
The problem began because I had virtually no income from XX/XX/XXXX to XXXX XXXX due to the XXXX XXXX hacking. I work as a rXXXX XXXX XXXX XXXX XXXX XXXX and payments from insurance companies comprise most of my income from this position. Insurance did not pay for almost 2 months due to the XXXX XXXX hacking and I received payments of 10 % of my earnings or less from my job from XX/XX/XXXX to XX/XX/XXXX ( I can demonstrate this with bank statements if necessary ). 

Until XX/XX/XXXX, my maximum monthly payment had been {$210.00} and I sometimes paid more, like my last payment of {$230.00} on XX/XX/XXXX. I acknowledge that this payment was late and that's because, like I said, I had not gotten paid since XXXX. I called Barclays to let them know I was going to have problems making my payment due to the XXXX XXXX hack and all they said was that they hadn't heard of it and they hoped I could make my payment in time. 

Instead of helping me, in XX/XX/XXXX they doubled my minimum payment to over {$440.00}. 
The same month they lowered my credit limit from XXXX to XXXX. My credit card usage was at XXXX so what I understand from this is that they did it on purpose to make sure I would go over my limit. 

I was not able to pay the {$440.00} and I became late on my payment. Now, on XX/XX/XXXX, my monthly payment is up to {$820.00} and I can not afford that either. 

Barclays keeps sending me emails saying to log in to their site to set up a payment plan but then when I log in it says Im not eligible ( see screenshots ). 

It is my understanding that Barclays has acted unfairly by lowering my credit limit when they saw I was close to it and simultaneously doubling my monthly payment. 

What I want from them is for them to give me the fair chance to set up a payment plan at my previous payment of {$250.00} or less. 

On XX/XX/XXXX the Barclays Document Center no longer shows the letter where they lowered my credit limit. Looks like they erased it so I wouldnt be able to access it any longer.

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 2024-06-23 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: MI

Complaint narrative:
Transunion is reporting a fraudulent account on my credit report. This account was opened due to identity theft and XXXX XXXX has sent me a letter stating that they will permanently remove and or stop reporting the fraudulent account to my credit report and transunion is still reporting the account.

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