vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I applied for Pslf XX/XX/XXXX. I submitted the application through fax. I have the receipt from the fax. MOHELA states I need to work with Federal Student Aid. FSA states that I need to work with MOHELA. Each time I call, Im on hold for over 30 minutes and the customer service rep does not seem to understand or be of help. I am told to re-apply but then I will be past the deadline of XX/XX/XXXX. I dont know what to do now.MOHELA site shows that I faxed the application. FSA site shows I never submitted the employer verification form. I still have the copy if it needs resubmitted, but I cant get an answer on what to do. 

Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
XXXX of XXXX I first filed a complaint about a Chase credit card opened fraudulently using my social and name. I Filed another complaint XXXX about the same credit account still being charged to my name. I also learned there were XXXX fraudulent Chase bank accounts opened in my name and XXXX was used to make payments on the credit account. Chase replied I was responsible because of those payments from bank acct XXXX to credit acct XXXX. I have repeatedly sent the sheriff case # on this identity theft to Chase, plus D>L>, utility bill and XXXX card bill to prove my address was not XXXX. XX/XX/XXXX & XXXX Chase dated letters stating they confirmed that I did not open accounts ending in XXXX and would notify EWS to update negative credit reporting. Upon calling Chase credit fraud dept to ascertain that having the bank accounts confirmed as not me fraud would also confirm the credit account XXXX was not me fraud. I was told a payment was made in XXXX from an account in my name at Bank XXXX XXXX. I travelled the XXXX min XXXX way journey to a XXXX  XXXX XXXX nearest me and upon their searching for any accounts using my social they found none. Today I received a letter from Chase XXXX XXXX XXXX stating because i made payments from XXXX to credit account XXXX I am responsible. It is obvious that Chase can not handle their own investigation. I request a full intervention by this bureau.. I have wasted time, energy, gasoline and spent all my patience. They keep going in circles and continue to give me false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Ever since I applied to have a checking account with bank of america i have been getting charged with overdraft fees.

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 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global Lending group has been calling XXXX times a day from XXXX XXXX to the present day. I have set up payment arrangements and they continue to call XXXX times day even after payment arrangements have been set. This is considered harassment by the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
1st Florida Lending, XXXX XXXX XXXX XXXX XXXX co-conspired to manipulate purchaser to overpay fees and points for the highest available rate by failing to communicate in a timely manner, changing the terms of the loan two hours before closing, and not providing disclosures in advance of closing. Delayed closing for over two weeks putting purchaser at risk of losing XXXX XXXXXXXX deposit. After closing 1st FL Lending, XXXX, and XXXX co-conspire to force foreclosure by refusing to make corrections to closing documents and imposing undocumented excess of escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NJ

Complaint narrative:
I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/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 2023-09-07 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX account im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was XXXX XXXXthank you XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
have a consolidated loan it is now with Nelnet. Half of my loans were discharged quickly with XXXX. However, Nelnet still has not discharged the rest Through XXXX vs. XXXX. I had spoken with the person whos over my borrowers defense application. I was informed that nelnet would be notified to discharge the remaining balance of the loan. It's a year later and nelnet still hasn't discharged the remaining balance. I'm aware that discharges have been taking place yet i still have loans. I'm tired of playing this game between nelnet, borrowers defense and fed aid. I need the remaining portion discharged as promised. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Don't post no response to an unclickable link. You knew exactly what you were doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I leased a car for 36 months and made lease payments through Chase Auto. I made all payments on time and returned my vehicle to a local dealership after the lease was up. The dealer said there were no problems with the car and signed paperwork to confirm I returned the vehicle. Attached is paperwork from the dealer stating there was no collision damage or vehicle abuse. A few weeks letter I got a letter from Chase Auto stating that there were {$10000.00} in damages and had an itemized list. None of the damages made sense including broken headlights, dings, scrapes, chips, etc. I asked for photos and for MONTHS they just continued to send letters and call me without sending photos. They tried collecting less and less from me each time acting like they were " forgiving '' me for some of the debt, meanwhile there should have been none in the first place. FINALLY they send me photos of the vehicle which essentially showed XXXX of the damages they described. At this point it is just my word against theirs and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Mo XXXX Attn XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX/SEEDFI it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal. Since you failed with supplying these documents as the federal regulations states, delete the above account from my three consumer reports. 

XXXX XXXX ( All Rights Reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I explained that I couldnt pay my rent to the original debtor during Covid and they did not care and I also advised them that I applied for rental assistance at the time when XXXX was in effect and they refuse to cooperate with New Jersey laws and sent this account to collection in attempt to ruin my life and credit profile and potential to rent other properties..I was wait listed for rental assistance and they threaten to evict me after I couldnt pay and I have attached evidence

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

Experian has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part

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 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: CA

Complaint narrative:
This was a Medical Bill of which I have Full Coverage and was Paid by my provider XXXX XXXX. The check reference # XXXX was PAID in Full to XXXX XXXX XXXX XXXX on XXXX 

However, a Collection Agency Name PLUSFOUR , INC has been trying to collect this same debt which I do Not OWE. The was PAID IN FULL By my insurance provider. So today I called XXXX to ask who they were and why they report this account to collection. They said the account was PAID and that they wanted to Charge me to have it removed from my Credit. 

Obviously, it sounds like a Scam and now I am reporting it to you the regulator.

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 2023-09-07 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 It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I have applied for a loan at Transform Credit and everytime I put that I have XXXX rent to pay on my home and that I have a co-signer for the loan I'm have denied the loan by Transform. Being denied for the loan is not fair because I don't have rent to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Signed up for residential security with XXXX for an agreement of service for 60 months begin on XXXX to XXXX. To my knowledge all commitment was meet with the last payment on XX/XX/XXXX. I suspended the services as they rolled over a month to month service at double costs and wanted me to resign for another 36 month term. That was the end of the the original agreement. Since XXXX sold the account to Zion debt holdings reporting an inaccurate account balance. The only record Zion was able to provide was an altered hand written copy of the original contract showing multiple changes as to costs/month and the total number of months. When asked to produce a detailed statement of account they ignored the request and proceeded to submit the report to credit agencies. To my knowledge the altered document miss represents our agreement as non of those alterations were agreed upon. Such document does not show a breach of contract and is false and not valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I called AFFIRM pertaining to an item that I did not purchase. They ( AFFIRM ) in return asked me to contact the merchant and dispute the charges. So, I called the merchant and disputed the charges from XXXX. XXXX then sent me a confirmation that i was correct and needed AFFIRM to communicate with them in order to resolve and remove this purchase from my account. To date, AFFIRM has not removed this charge and is hindering me from obtaining any other needed loans and continually harassing me to pay an overdue debt that has been confirmed " not to be responsibility '' by the actual merchant.

Company response to consumer: Closed with explanation