vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I settled and paid on a payment with Capital one in XXXX for my card in XXXX now it shows on my Credit report as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I Purchased A prepaid Netspend card and added XXXX to the not yet activated card. When I attempted to activate the card an error code request I call the customer Service to complete activation. Due to this incoinvence and the fact I was unable to call I requested that my father call in to see what the issue was. My father called in to help with this puzzling issue. Blind to the fact of that repersentive intentions. since his phone number he was calling from was registered to his own personal previous net spend account which had been restrictred months prior by Netspend for no reason then informed My father that the account would be close and the card for his account was deactivated and a check would be process and mail. Why would any card be able to be added to this account? A purchased un activated card, with no name on it, that anyone can purchase because no account or ID is needed to do so was by forced added my card to a. closed account at her own request. she collected the information for My card just to activate. then informs my father the card can no longer be activated because of his account thats allready blocked with restrictions and the card registered to his account allready block and funds frozen. Now weeks later my card is now unable to activate and netspend refuse to fix this. Now they want documentation for a mistake they made and want us to verify information for an account that does not belong to me in order to now receive a check for my money.

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 2024-02-08 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: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/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 explanation
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$6400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-08 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$6400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
I am enrolled in the SAVE program since XX/XX/2023. I have the letter proof from Federal Student Aid that I applied and was approved. Since XX/XX/2023 when loans went back into repayment. my amount was {$0.00}. Suddenly this XX/XX/2023 I'm auto charged for {$2200.00} without any information sent as to why it was increased or any information on my plan being changed. They changed my plan to Level Repayment plan without my consent as well or notification. I am still listed on the FSA as a SAVE repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$6400.00} ; 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: MS

Complaint narrative:
Keep emailing about a debt I have no acknowledgment of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for a Citi XXXX XXXX XXXX XXXX online and it told me I needed to unlock my credit. I did that and then continued to apply online and was denied even though I have impeccable credit. I then called in and spoke to a representative who told me they could assist over the phone, they proceeded to pull my credit and I was approved. They then said it will take 14 days for you to get your card, I said I need to book flights tonight thats the only reason I applied for this card and she said oh sorry you can only get the card number instantly if you apply online which I had originally done. The phone representative should have told me before I proceeded that it would be 14 days till Id get the card I would never have proceeded with the application, extremely misleading. I then called back and asked what they could do to make the situation better and I eventually got to customer retention and they said oh sorry you havent been a client for 48 hours youll need to call us back then to see if we can do anything, what a kick in the teeth. I dont expect better from citi to be honest they are awful in every sense of the word

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 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I sent two wires out of my XXXX XXXX XXXXXXXX small business checking to an individual who was falsely portraying himself to be a loan provider. I sent {$1700.00} out on XX/XX/year>, and then sent {$2700.00} out on XX/XX/year> to an individual by the name of XXXX XXXX who had an account at Navy Federal Credit Union. This individual said he worked for a company called XXXX XXXX XXXX. Their website was XXXX 

XXXX XXXX XXXXXXXX did request the funds back, but they have only been able to recover approximately {$700.00} so far. I am asking for the full balance back, as this was 100 % a scam, and I should be protected in some form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called Chase Travel on XX/XX/2024 at XXXX to determine if the seat selection was included with the fare shown in the chase travel app. Chase Travel Agent advised seat selection was included and that I should go off what the fare showed on the chase travel app. I paid more for this fare compared to other fares offered by the same airline to have the seat selection option as the chase travel agent confirmed twice that seat selection was included. Once booking was complete I went to select my seat on XX/XX/2024 only to have to pay {$560.00} to select seats of the same fare class. The chase travel representative did not understand products and passed bad knowledge onto me as a customer and as a result I suffered financial harm. Chase travel needs to investigate this practice and needs to issue me some type of compensation for their failure to accurately display whats included in the air fare shown through the travel portal and needs to retrain staff to let customers know they will have to repay for this fare. I am now out {$560.00} due to this failure with no help from chase to correct these deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I went into a forbearance in XX/XX/XXXX due to an unexpected XXXX that left me out of work until XX/XX/XXXX. I was told by Truist I had to reapply to the same program ( loss mitigation ) to start a modification to resume payments. After months of waiting for a response, I was told my application expired because they did not have time to review it and I had to start all over again. This went on for the entire year. Finally in XXXX XXXX I received a modification offer that included a Deed of Trust for approximately XXXX XXXX. Before Truist received my signed agreement, Maryland HAF program offered me {$60000.00} ( XXXX XXXX of which would be a Deed of Trust to be repaid ) and contacted Truist on my behalf. Truist informed me that previous modification package was null and void, they would subtract the {$60000.00} from my current mortgage and rewrite my modification offer. That never came. In XX/XX/XXXX I received a new modification offer but it did not include the deduction of the {$60000.00}. I was told they would investigate and contact me. There have been hundreds of calls between us but still no answers. 
I recently found out, Truist placed a XXXX XXXX Deed of Trust on my house back in XX/XX/XXXX. Why would they submit that to be recorded when that modification package was null and void? How can you process a Deed of Trust but not the modification? If I had not pulled these records, I would not have even known that Deed was on there. I also have a Deed of Trust from Maryland HAF program for XXXX XXXX. Maryland HAF  has confirmed that Truist cashed their check for {$60000.00} ( in XX/XX/XXXX ) that should have been applied to my account. I will attach both Deeds of Trust.

Recently I received another modification offer from Truist that still does not show the {$60000.00} credit and they want to put an additional Deed of Trust on me for over XXXX XXXX 

I am not sure if this is pure negligence or intentional criminal activity.

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 2024-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Victim of identity theft. Submitted forms and identification, still reporting on credit report,

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 2024-02-08 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: SYNCHRONY FINANCIAL
State: IL

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

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 2024-02-08 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: IL

Complaint narrative:
XXXX has not updated my credit score since XX/XX/XXXX. I don't undrr why XXXX and XXXX has updated my balance Transition still have me with high credit card balances when they have been paid down. I need my credit score and credit report. Their inaccurate information is causing me to be declined for apartments

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 2024-02-08 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:
XXXX XXXX XXXX-16cfr 313 433.2 Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX16cfr 313 433.2 Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dispute the failure of compliance with the law regarding the reporting of fraudulent accounts on my credit report. Despite bank confirmation and assurances to remove the accounts, they remain. Other bureaus have removed them. 
XXXX XXXX Additionally, the reported bankruptcy is inaccurate. Please remove it promptly. 
XXXX XXXX Bankruptcy-dismissed Reference : 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 2024-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dispute the failure of compliance with the law regarding the reporting of fraudulent accounts on my credit report. Despite bank confirmation and assurances to remove the accounts, they remain. Other bureaus have removed them. 
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 2024-02-08 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : 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 XXXXXX/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