vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MI

Complaint narrative:
PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX FRAUDULENT PENN CREDIT CORPORATION ACCOUNT RE : XXXX XXXX XXXX  ACCOUNT # XXXX TO : PENN CREDIT CORPORATION : Under the provisions of [ Public laws 95-10 995th Congress and 99-361 99th Congress ], known collectively as the Fair Debt Collection Practices Act ( FDCPA ). I am formally notifying you to Cease and Desist all communications with me regarding this alleged debt, or any other alleged debts that you allege I owe to your XXXX XXXX XXXX 

RE : XXXX PENN CREDIT CORPORATION ACCOUNT RE : XXXX XXXX XXXX  ACCOUNT # XXXX Please be advised that if collection attempts continue after the receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Michigan State Attorney General 's Office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you in your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handle it with the full legal rights and remedies available to me with regards to current consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You are in direct violation of the fair credit reporting act ( Account XXXX... XXXX XXXX XXXX .... Account # XXXX ) .. Has violated several of my rights.. 
15 u.s.c. 1681 section 602 A. Clearly states that I have the rights to privacy..

15 u.s.c. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.. 15 u.s.c 1666B.. A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I was never late in the paid account listed above please show me proof of transactions showing I was ever late to support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: AZ

Complaint narrative:
On XX/XX/year>, I submitted an Employment Certification Form ( ECF ) to Federal Student Aid ( FSA ) as part of my process for Public Service Loan Forgiveness ( PSLF ). However, despite the submission, my form was not processed. Instead, I received an email lacking any useful information. When I called for clarification, the representative was unable to assist me further. Due to the lack of resolution, I resubmitted the form on XX/XX/year>. Yet, as o

f today, FSA has still not processed my ECF within the standard timeframe of 3-5 weeks. It appears that FSA is not adequately handling manual form submissions like mine, and I am unable to submit the form electronically since my employer does not allow electronic signatures. My ECF is manually signed by both myself and my employer, meeting FSA 's stated requirements, so the delay remains unexplained. *************************************************************************************************** Additionally, I have encountered a discrepancy regarding my qualifying payments. Specifically, my XX/XX/year> payment does not appear as a qualified payment, despite being processed by XXXX. I did not receive any notice of forbearance, nor is forbearance reflected on my account. I am also not enrolled in the SAVE plan, so there is no reason this payment should be disqualified.

*************************************************************************************************** Lastly, I made my final
( 120th ) qualifying payment on XX/XX/year>, and I plan to submit my final ECF this week to complete the PSLF application. However, I have no indication that the Income-Driven Repayment ( IDR ) adjustment has been applied to my accounta necessary step before PSLF can be granted. The lack of communication and processing delays by FSA are causing significant distress and uncertainty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I agreed with Rocket Mortgage on a 15-year fixed mortgage at a rate of 4.75 %, with no appraisal and waived lender fees. I confirmed my commitment to proceed via email and by signing an intent letter in the Rocket Mortgage online portal, under the impression that these terms were finalized. The initial closing date was set for XX/XX/scrub>XXXX XXXX XXXX 

During XXXX and XXXX, my loan agent and his supervisor assured me several times that no action was needed on my part to maintain these terms. The XXXX  list in my Rocket Mortgage online account was empty, and I had no indication that I needed to take steps to secure the rate. In late XXXX, I inquired whether a recent Federal rate cut could potentially lower my mortgage rate. The agent responded that the rate cut was already factored in, yet no further action was taken to lock the rate. 

On XX/XX/XXXX, I received a new loan estimate with a 4.99 % interest rate. Concerned, I asked what had happened to the previously agreed-upon 4.75 % rate. In response, they recalculated it again and, on XX/XX/XXXX, informed me that the new rate would be 5.5 %. Since my closing date was advanced to XX/XX/scrub>XXXX XXXX XXXX I was left with no choice but to proceed with the higher rate due to time constraints. 

I filed a complaint with the Rocket Mortgage Client Relations Team. Their response was as follows : " Good afternoon. Thank you again for taking my call, per our discussion I am writing to advise that the Rate Lock on your last application with Rocket Mortgage was left Floating based on information we were provided on XXXX  that you would be potentially closing your new purchase on XX/XX/year>. Since the loan is now closed, we are unable to make any changes to the rate, despite the rate being different when locked, as to what was provided as the floating rate. '' Rocket Mortgage is now asserting that I could have locked the rate within 60 days of closing, yet they never informed me of this step. I was assured multiple times by my loan agent and his supervisor that no action was required on my part. I was led to believe that our agreement on the original 4.75 % rate was final, with no further steps needed from me. As a result, I incurred additional, unexpected costs due to the rate change at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: AZ

Complaint narrative:
I am unable to pay XXXX a month when I only have XXXX salary. I am struggling a lot with credit card debt and student debt at the same time. I am doing my best to pay both, but XXXX a month is just very unrealistic. I would like to discuss a better price for my repayment because this is very difficult and unrealistic for someone who is trying to get their life started after graduating. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX  XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX, Account Number : XXXX  ) Inquiry : ( XXXX XX/XX/year> ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity Trafficking Documentation

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 2024-11-05 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
These accounts are incorrect, since I do not recognize them, please investigate them and delete them. 

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

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year>, I was released from jail. When I got out, I discovered that the police had left my purse, wallet, cell phone ( which contained my Social Security card, drivers license, and all of my debit cards, including my Venmo card ) in my car, which had been impounded. Upon my release, none of these items were included with my belongings, so I asked the police about my purse. They informed me that it might have been left in the car. 
Since my phone was taken, I didnt have access to my Venmo account information or passwords, as they were saved in my XXXX. I contacted Venmo and explained that I didnt have a drivers license upon release, but they still wouldnt give me access to my account. I had to go through the process of accessing my emails, which took two or three weeks, and order a replacement drivers license so I could verify my identity with Venmo. 
When I finally regained access to my Venmo account, I saw that all the money had been withdrawn. I filed a dispute with Venmo on XX/XX/year> ( or possibly XX/XX/XXXX ), but they denied most of my claims. I reopened the dispute and asked Venmo what I needed to do to assist in their investigation, but they wouldnt provide guidance. 
To take matters into my own hands, I : 1. Obtained a list of the merchants where the unauthorized transactions occurred and informed them of the fraudulent charges. 
XXXX. Collected proof of my incarceration. 
XXXX. Sent Venmo a written statement explaining the situation in detail, along with proof of my incarceration, correspondence with the merchants, police, and ATM companies. 
I also filed police reports with three different authorities, as transactions had occurred in multiple locations : - XXXX Police Department - Light Horse Police ( XXXX Police ) - XXXX XXXXXXXX XXXX XXXX Police Ive been in contact with each of these departments and provided Venmo with the correspondence. Additionally, I went to the police department, where I obtained an inmate sheet signed by an XXXX, including his badge number, as well as a verification of my incarceration from the XXXX XXXX XXXX XXXX. 
Venmo will not allow me to communicate directly with their investigation team, and a few of the dispute specialists have mentioned that they dont understand why the investigation department keeps denying my claim. These specialists have spent extra time ensuring that everything is in place so I can recover my stolen funds. 
XXXX has a zero-fault liability policy, and Venmo is XXXX aware of this but appears to be avoiding their obligation to reimburse me. The fact that I was incarcerated at the time the transactions took place should be sufficient proof that I couldnt have made them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
In the beginning ( XXXX ), I took out a loan with Regional Finance here in XXXX, TX to help make ends meet with my crumbling financial situation it seemed like an answered prayer at the time. XXXX hits, Regional Finance attempts to help me with my situation by filing for Hardship which I was grateful for. Ive been current, late a couple times but still made my payment. Recently, I couldnt make my payment at all. Thats where the plethora of phone calls started. I would get at least 2 a day XXXX XXXX saying to call the XXXX. I called the number and no one answered. I left a message, and invited them to call me back. I get the same automated call with the message to call the same # like I never called them in the first place. Lately, Ive gotten predatory tactics from some of their employees with creating a sense of urgency I know you dont have money now, but you need to pay. They have become pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to or now collected by XXXX XXXX opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Medical Collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to or now collected by XXXX XXXX opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
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 2024-11-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief