vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
I first visited The XXXX in XXXX for education purposes. l applied for an XXXX and got it. I stayed for a while and then returned to my XXXX  Right now I have been living in The XXXX since XXXX. I am a XXXX XXXX. I visited the XXXX for vacation and trade purposes several times between XXXX and XXXX. But I never applied for any credit card, personal or student loan during this time. The current situation is I am being called and receiving mail Law firm about a debt. I have no idea what debt they are talking about. I do not know what I need to do. I received the first mail in XXXX from the Law office. Between XXXX and XXXX no one called me about this issue. Now They started calling me again. 
For your information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX took my money. And chimes won't give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES
State: NV

Complaint narrative:
I called Land Home Financial Services to enquire about my monthly payment statement and informed them that I haven't received a statement since XX/XX/XXXX. The Land Home Financial Services representative agreed and stated one will be mailed out today. I further stated that I have to call in and make my payments without the statement remittance and pay an additional fee. I explained that is putting additional stress on me and asked if the fee could be waived for XXXX payment as I paid a fee to pay XXXX payment. The representative stated I had a fee waived in XX/XX/XXXX therefore I had to pay the fee it couldn't be waived. I have written numerous complaints on them just trying to make payments and enjoy my home ownership. Land Home Financial Services have made that impossible and I feel is retaliating because of the complaints. I have anxiety attacks anytime I enter my house due to Land Home Financial Services constant harassment.

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 2024-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: NM

Complaint narrative:
I have methodically made extra principal payments by taking the base payment, then adding one or two subsequent principal-only amounts from the amortization schedule. 

As of XXXX, the remaining balance was within XXXX cents of Planet Home Lendings statement for the following month. 

XX/XX/XXXX ( for the XX/XX/XXXX payment ) I added XXXX additional principal-only payments to the base payment due ( totaling almost {$7000.00} additional ). This would leave the principal balance at {$410000.00}. 

Instead of correctly applying all additional money to principal as the check memo instructed, they added an extra {$580.00} to Escrow, which costs me an entire extra payment later ( {$2700.00} ). 

The next statement showed a beginning principal balance of {$410000.00}. 

The XXXX XXXX Balance field is {$0.00}. 

The Escrow account has {$1200.00}, even after the homeowners insurance was paid last month. This is considerably more than is needed for the next property tax installment due in XXXX. 

I was neither asked permission for this action, nor was I informed of this action. I had to examine my statements to discover this action had occurred. 

This is the 2nd time in less than a year that they have mis-applied my payment. I informed them last time that I would file a CFPB complaint if they redirected my funds without notification. They were dismissive of my warning at the time and have now done that exact thing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Yes hello this is regards of credit not reporting nor it not showing payments in the system besides flagship credit acceptance end.They have not been reporting their credit to the credit bureau as stated. Flagship credit acceptance customer service been promising me for the past 5 months that my credit will be resolved and it hasnt they said I would received a letter regarding why it hasnt been updating as spoken an I still have not received no information nor email as promised, they have not solve my case, I am upset for the promises that flagship has promised it has not came to truth. I am dissatisfied as customer for the fact that it not even showing up in the system for XXXX, trades union or XXXX for 5 months going into my 6th month, I am loyal customer thats been paying everything in timely manner but now I am depending to even pay for this month for the fact that It hasnt not been fixed, they said this issue will resolve in 30 business days that date was XX/XX/23 it been way surpass, I would want some sorta incentive for the fact that of the inconvenience I will making dispute every single day until this is fixed. As stated an there actions as customer we do not need to report to the credit bureau its just an incentive for the customers reviews on XXXX for flagship credit acceptance with same issues.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was XXXX from XX/XX/XXXX, XXXX XXXX, 2023 ( which I sent proof of ) and there was {$48000.00} on a charged off business line of credit ( credit card # XXXX ) for my business, XXXX XXXX and XXXX XXXX XXXX XXXX. The perpetrator did make charges prior to the listed dates as well ; However I did not catch it. I have disputed it with Wells Fargo with XXXX FTC reports, a Police report, and proof that I was XXXX  yet, they still deny it even though the same thing happened to my other business account with them that they accepted ( XXXX XXXXh $ XXXX Acct # XXXX ). I have disputed it multiple times and they deny that it was fraudulent. I tried to do everything I can ; However, I refuse to pay fraudulent charges that are being handled with integrity by Wells Fargo. They need to rectify this and remove ALL of the credit card balance from my charged off 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
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to bring to your attention a persisting issue I have been experiencing with a reservation refund, and I kindly request your assistance in resolving it. 

In XXXX of last year, I made reservations for XX/XX/year> through XXXX. Regrettably, I recently received notification from the hotel informing me of their liquidation, rendering my reservation void. Subsequently, XXXX initiated a refund process and reimbursed the amount to Affirm.com, the payment platform I utilized for the transaction. 

Despite numerous attempts to engage with Affirm.com over the past two months, I have encountered significant challenges in obtaining my refund. While I understand that an investigation may be necessary to reconcile the discrepancy, my concern arises from Affirm.com 's assertion that they have not received the refunded amount from XXXX. 

Enclosed with this email, I have included the receipt documenting the refund transaction from XXXX to Affirm.com, totaling {$400.00}, which accounts for several payments I had made towards the reservation. 

I am fully willing to cooperate and await the completion of the investigation ; however, the lack of progress and communication from Affirm.com has been disconcerting. Each time I reach out to them for an update, I am met with assurances that the matter is not within their purview, leaving me in a state of uncertainty. 

Given the urgency of this matter and its impact on my financial situation, I implore you to intervene and expedite the resolution process. Should you require any additional information or clarification, please do not hesitate to contact me. 

The company ceased charging me recently after I persistently emailed them to stop, threatening to report them if they continued. 

Thank you for your attention to this matter. I sincerely appreciate your assistance in rectifying this issue promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems reported a delinquent account on my credit report that was time barred and over XXXX XXXX XXXX from the original delinquency, but theyve changed the dates to XX/XX/23 as the start of delinquency to make it seem like it was recent in an illegal attempt to reset the statute of limitations and hurt my credit, and remove the time bar by attempting to collect. Not only is this ineligible to be on my credit report, the state of Texas time bars debt after 4 years. I have the original delinquency notice from XXXX dated over 9 years ago and no payments or acknowledgment of this has been made sense. Ive actually disputed it several times because the debt was not even of a legitimate nature. There were bogus charges on my account XXXX refused to resolve so I changed phone companies. 

Their customer support reps are rude and unhelpful and they should not be allowed to do business. There business practices are wholeheartedly illegal and are actively damaging the well being of my life by hurting my credit Ive worked so hard to rebuild over the last 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2023 XXXX XXXX was contacted to add an Authorized User to my account with the expectation of the Users information being submitted to Trans-Union . The information has never been submitted. I am asking that both of these companies be investigated. 
Thank You

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023

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 2024-02-26 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: TN

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802. 

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both. 
( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
(

15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am looking to pay off car loan and notice that the balance on the car loan is going up. 
Monthly payments are made on time with an additional payment of about {$18.00} extra paid monthly. I have reached out to Ally Auto 2x to get answers but I am put on hold with no clear explanation as why balance is increasing. Statements are showing more than $ XXXX. unpaid balance. When I call Ally Auto it is confirmed that I do consistently make monthly payments on time, but told they could not see on their end the unpaid balance that I see on statement. Also no one clearly explains the daily dollar amount {$1.00}. The call goes silent as I wait for answers for long periods of time then eventually Ally Auto hangs up with no resolution. How can I pay off my car loan if the balance continues to go up. 
Initial Sale Contract 10.34 % Interest Rate {$6100.00} Finance Charge Want to pay off balance on car but balance continues to increase monthly with Ally Auto. 
Please Advise

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 2024-02-26 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : 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 non-monetary relief
Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
The name of the credit card company is called advent credit card. I had a payment minimum payment of {$25.00} due on XX/XX/XXXX. I paid it on the XXXX. I was looking at my bank statements today and I noticed there was not a try friends action for the payment I made on the XXXX. When I looked on the app for the credit card it was saying that I still need to make a payment for the XXXX. I called the company I made the payment and according to the credit card company a payment was sent on the XXXX by me and it was declined by my bank. I told them I don't know why I had the money in the back. So they told me because I was 1 day late making the payment that it's gon na show up on my credit history and I'm gon na be hit with the late payment fee 5 days from now. I went to the bank and I got the papers as well as the email to me that they received no transaction from them on the XXXX regarding any kind of payment. Because of that the bank is saying it is not their full because my credit card company didn't do any kind a transaction with my bank. Now the card the debit card I used to pay for my minimum credit card balance of {$25.00} was the same credit card that I used when I paid on the XXXX as well. If I forgot to tell you the credit card company also told me which I have proof of that they sent me an email on the XXXX saying that my debt card was denied. The credit card company is telling me it doesn't matter what proof you have from the bank you're still gon na get hit with the late XXXX and it's still going to be reported that you paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
XX/XX/XXXX, I reviewed my Mohela Account to see that Next Payment that my Total Amount Due : {$120.00} and my Next Payment XXXX and the Current Amount Due {$120.00}. Past Due Amount : {$0.00}. I sent message after message to Mohela and they either do not respond or send a generic message. It is very difficult to speak with a representative. I am left on hold for hours at a time and no one every answer the telephone. I need someone from this company to respond to my messages or call me directly. Since, XX/XX/XXXX I have called Mohela multiple times to request that my due date be changed to the XXXX of the month. Each representative states that the request has been submitted. As of today, my Next Payment Due Date still shows as XX/XX/XXXX. 
Lastly, XX/XX/XXXX, while in forced mandatory forbearance, I made a payment of {$83.00}. I asked that that payment be applied to this month 's payment ( XX/XX/XXXX ). As of today, that payment has not been applied to this month 's payment due amount. 

Thank you!

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