vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Greetings from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) EIN & Tax ID : XXXX UBI & Entity ID : XXXX XXXX XXXX XXXX : XXXX FORMATION STATE : Washington State ENTITY TYPE : XXXX FORMATION DATE : XXXX XXXX, XXXX  ENTITY ID : XXXX XXXX XXXX Contact : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX Wa XXXX I, XXXX XXXX ( SSN : XXXX ) firmly clarify that i truly a victim of fraudulent and identity theft while I never used to give any authorization on my behalf to anyone else making any purchase, using my personal data, apply all kinds of loan application. I strongly denied to those fraudulent transactions as XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX  having right to charge or to use my personal informations, my phone numbers, email addresses, my SSN, my EIN, banking accounts, checking, debit and credit cards from all banks especially Bank Of America, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX together all kinds of illegal transactions I strongly deny to those all fraudulent transactions charged from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX on my checking account, debit and credit card of Bank Of America and XXXX XXXX  including all bank accounts at all. I even never used to submit any loan application to auto loan, home loan or even any mobile service company such as XXXX or XXXX XXXX XXXX. I Do Request to Bank Of America and XXXX XXXX  to provide your assistance refund me back full amount of my hard-earned money lost in total {$89000.00} suffered from these fraudulent transactions on my checking account, debit and credit card since early XXXX  till today XX/XX/XXXX. 
Request for assistance to all 3 credit bureau and debt departments to clear off those all fraudulent informations and debts under my name while I confirmed strongly never involving with. I XXXX XXXX XXXX XXXX XXXX XXXX since BOA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and those related companies almost warned me to push all debts into collection and where is my justice? Who can help me from responsible for what I didnt do? Why I turned to suffer hurtfully like this? 

And right now, after my hard trying to inform all banks and all related companies turned to pressure me badly and hurtfully by blocked all my accounts and even small money they took all.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There still working on this issue just look at the evidence but I know nobody is looking since there are over XXXX, XXXX complaints against the XXXX bureaus and experian at the top of the list, the issue is experian has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I HAVE 5 PAYMENTS THAT WAS PAID THROUGH MY NAVY FEDERAL ACCOUNT. THIS WAS PAID THROUGH BILL PAY WHICH I RECENTLY FOUND OUT IS A THIRD PARTY VENDOR. I'VE REQUESTED FRONT AND BACK OF THE CHECKS THAT WERE PAID, CASH AND NOT APPLIED TO THE CORRECT ACCOUNT. I HAVE REQUESTED THIS INFORMATION FROM NAVY FEDERAL 'S ( ADVANCED DIGITAL DEPT ). I HAVE NOT RECEIVED THIS AND THE PAYMENTS THAT I'VE MADE HAS NEVER BEEN CREDITED TO MY XXXX XXXX  ACCOUNT FORMALLY KNOW AS XXXX XXXX XXXX ( XXXX XXXX ). THIS HAS AFFECTED MY CREDIT AND MY ACCOUNT HAS BEEN CLOSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
I was sued by Lloyd & McDaniel for a debt that was already paid.I entered into a settlement agreement with the creditor for the amount of {$880.00} from the original amount of {$1200.00}. The creditor 's attorney at the time, XXXX XXXX  XXXX, XXXX, sent me a notice that the debt had been settled and the account closed ( please see the letter dated XX/XX/year> ). I was never served with any paperwork for the suit that was fled regardless of the General Session court documents from XXXX XXXX indicating she was served on XX/XX/year>, and she maintains that the debt was settled prior to the suit. I hired a lawyer who has requested Lloyd & McDaniel vacate the judgement and after two letters they have failed to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed the error in my Experian credit report and despite providing evidence that the debt was previously settled, Experian is still not correcting the error. Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that Experian add this to my file under the erroneous information.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed several disputes with XXXX and Equifax asking them for the documents after the investigation. I sent them my police report and FTC report. This accounts were removed from my XXXX report after I disputed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
They frequently call outside allowable hours. I've told them not to call as I have an attorney. They call from multiple numbers multiple times per day. About half the time there is nobody on the line and their system hangs up on me when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
Transunion XX/XX/2023 sent me a letter stating XXXX XXXX XXXX collections as {$740.00} past due. XXXX and XXXX have both removed/closed XXXX XXXX XXXX from my credit report. Transunion is the only credit bureau currently reporting.

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 2024-01-17 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: IL

Complaint narrative:
I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by XXXX, TransUnion, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the XXXX data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.

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 2024-01-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by XXXX, XXXX, and Experian. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the XXXX data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.

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 2024-01-17 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: Healthcare Management, LLC
State: WA

Complaint narrative:
AS I STATED PREVIOUSLY UNDER WHAT INFORMATION I WAS TRYING TO GATHER THIS MORNING BECAUSE I RECEIVED A ROBOCALL TELLING ME MY PERSONAL INFORMATION, AND THIS IS A ATTEMPT TO COLLECT A DEBT. 

I FOLLOWED IT UP WITH A CALL, AND AFTER THIS RUDE, FOUL MOUTH, AND XXXX INDIVIDUAL SAID XXXX YOU GON NA PAY TODAY, WHICH REALL RILED ME UP WHO SAID I GON NA PUT XXXX TO XXXX XXXX DOLLARS OF DEBT ON YOUR CREDIT REPORTS, AND XXXX IT UP FROM XXXX TO ELBOW. 

I WORKED TOO HARD TO BOOST MY CREDIT SCORE, ELIMINATED THOUSANDS OF DOLLARS OF DEBT INCLUDING XXXX  LOANS TO BE HARASSED AND PESTERED BY XXXX  WITH THEIR IDLE THREATS, AND FOUL MOUTHED LANGUAGE.

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 2024-01-17 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:
Someone took out a XXXX  loan using my old married name from 10 years and my social security number. I did not take out a XXXX  loan. I am the victim of identity theft and nobody will help me. I don't even know how this loan was approved since I changed my name 10 years ago. This is not my loan and it is going to ruin my credit. XXXX will not do anything to help and will not provide any documentation. I have also contacted the XXXX XXXX XXXX XXXX who also has not done anything to help. I have attached a photo of my driver 's license showing that my last name is XXXX and not 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 2024-01-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Experian data breach. I want these items deleted from my credit reports please, effective immediately. I have attached proof that Experian has admitted that I was in fact a victim of this data breach they have done nothing. Please delete the illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXXXXXX  Balance {$1500.00} Status Account charged off. {$2600.00} written off. {$1500.00} past due as of XX/XX/XXXX. 


XXXXXXXX XXXX  POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1400.00} written off. {$1000.00} past due as of XX/XX/XXXXXXXX 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 2024-01-17 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to express my dissatisfaction and re-dispute charges on my Apple Card statement, dated XX/XX/XXXX, totaling {$570.00}. These charges are associated with a hotel reservation at XXXX XXXX in XXXX, XXXX, for a three-day room and breakfast from XX/XX/XXXX to XX/XX/XXXX. 

As a cardholder, I understand my right to dispute charges in cases where services paid for were not received. In this specific situation, not only were the hotel services never fulfilled, but the merchant also failed to provide the expected refund despite my efforts to arrange it. 

To provide clarity, my grievances stem from the fact that we did not stay at XXXX XXXX, and we never checked in. Ongoing Construction activities right on front of our balcony significantly deviated from the advertised experience online. The construction activities resulted in excessive noise, dust, and created an eyesore, rendering our room not suitable for 3 days vacation in paradise. The primary reason for selecting XXXX XXXX and the premium paid it was due to the charming balcony with a view, but the disruption was so severe that an immediate departure became necessary, leading us to seek alternative accommodation. 

Despite expressing my concerns to the merchant and attempting to arrange a refund for services not rendered, XXXX XXXX charged my Apple Card on XX/XX/XXXX. This is despite the lack of fulfillment of services, my complaints, and the necessity to relocate due to the unfavorable conditions. We found a room at XXXX XXXX and we charge our card for a total of {$410.00} on XX/XX/XXXX ( XXXX XXXX ) for the same XXXX nights ( XXXX ) and breakfast. 

To support my dispute, I have attached communication from the hotel manager confirming the unsatisfactory conditions of the room, which was advertised online as a perfect stay but was far from it. This communication serves as additional evidence of the discrepancies between the advertised conditions and the actual experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Someone took out a student loan using my old married name from 10 years and my social security number. I did not take out a student loan. I am the victim of identity theft and nobody will help me. I don't even know how this loan was approved since I changed my name 10 years ago. This is not my loan and it is going to ruin my credit. EDfinancial will not do anything to help and will not provide any documentation. I have also contacted the Federal Department of education who also has not done anything to help. I have attached a photo of my driver 's license showing that my last name is XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I was sued by XXXX XXXX XXXX for a debt that was already paid.I entered into a settlement agreement with the creditor for the amount of {$880.00} from the original amount of {$1200.00}. The creditor 's attorney at the time, XXXX and XXXX, XXXX, sent me a notice that the debt had been settled and the account closed ( please see the letter dated XX/XX/year> ). I was never served with any paperwork for the suit that was fled regardless of the XXXX XXXX court documents from XXXX XXXX indicating she was served on XX/XX/year>, and she maintains that the debt was settled prior to the suit. I hired a lawyer who has requested XXXX XXXX XXXX vacate the judgement and after XXXX letters they have failed to reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We have taken home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a XXXX  XXXX, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work, and the mortgage provider is waiting for his payment. I raised a complaint on XXXX about the same on XX/XX/year> ( XXXX ) and the provider Select Portfolio Services has arranged for a home inspection for the work done and released the initial payment, now the final inspection from the mortgage provider Select Portfolio Services is completed and they are not releasing the final amount. I tried to reach them multiple times but no response the contracting company has spent over {$400000.00} for the repairs and waiting to get the money. and now the contracting company wants to take legal action and sent us a lien notice, we request you help me in getting the amount from our mortgage provider Select Portfolio Services. 

Your help will be appreciated on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation