vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
EXPERIAN is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give EXPERIAN written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - BALANCE {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized XXXX XXXX - Dates : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXXXXXX XXXX  - Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, MD 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Reporting on my credit report as a charge off/collection with no reported information only thing it has it date reported which is XX/XX/2024.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15- U.S.C 1681 section 602 A. States I have the rights to privacy.

15- U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-03-17 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under

15 USC 1681. TRANSUNION is governed by 15 USC 1681. And they violated my rig
hts numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TRANSUNION written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized Credit Plus - Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, VA 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Reporting on my credit report as a charge off/collection with no reported information only thing it has it date reported which is XX/XX/2024.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I received an alert on my credit report in XX/XX/XXXX, after viewing, I saw a medical debt. I XXXX  the XXXX named on my credit file and I had never been there. I never received a bill or any type of debt collection. This is to remain on my report until XXXX. So I tried calling the collection company and I gave them my name and last four of my social security and they didnt have me in their database so I disputed it with the credit bureau . It remained. This company has to either be a scam, or someone stole my identity. I have been at the same mailing address for over 10 years. So this is false. I never even visited this place before. I was a member of a county XXXX  and always went there for any XXXX that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This debt belonged to my XXXX  husband over XXXX ago. I contacted the company less them a yr., explain situation, they told me it wld ne settled in 30 days. Nothin has changed. Plz, I beg u to help me resolve n remove them from my report. My husband is XXXX, n im not responsible for this. I'm tryin to buy a home for wht remains of my family n they r not helping me. Please, plz help me. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I obtained a charge card through Mattress Firm for the purchase of a bed in XXXX. The total balance was about {$5000.00}. It came with a " promotional savings '' that if i paid in full by the time that the promotion ended I would not pay any interest. XX/XX/XXXX that end. I made my final payment in thee same month about 12 days later the total of {$790.00} to which I was told by the customer service representative that if I paid the above balance in full they i would not have to pay {$2300.00} in interest. I have never made no other purchase on this card. I only used it to buy my bed, and paid consistent payment on it until the final day. 

About 7 days later, I received a letter in the mail stating that Synchrony Bank would not be able to accommodate my adjustment because the payment was received after the scheduled date of when the offer ended XX/XX/XXXX, I made the payment on XX/XX/XXXX. 

It is my understanding as a consumer that the any bank has to wait until the closing of cycle to make such things, I was not late on the payment as the due date for the payment was XX/XX/XXXX, and paid the entire balance on XX/XX/XXXX. 

However, they have now put a fraud notice on my account where they are questioning if I am the person who opened the account, to deter me from disputing the interest charge on the card, that they are now making me pay. I have not received any letter letting me know in writing what is going on, I received the paperwork via Docusign, asking me for my social security and full name, I am not able to speak with anyone about this email or even my account, and resolve the issue. I paid my debt in full, I would agree in paying interest on the remaining balance of {$790.00}, but the amount they are trying to charge me in interest is excessive, I can buy a whole new mattress with this interest charge that they now say I owe, they are also compounding interest on top of the interest charge, which for me looks and feels predatory. 

I am attaching a copy of all my statements and letters received. I am also filing a formal complaint against this bank with Department Financial Services for predatory lending practice. Because I don't other consumers to go through what I am going through with this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
This company has ignored my attempts to contact them multiple times. My auto payments were going through and they neglected to tell me that they were not. I believe any late charges should be waved completely for their oversight. 

In addition to that, this company still has not contacted me in what they will do to make the situation right. 

I have tried and tried and tried to even log in to my account but can not to pay my loans. 

I believe this company purposefully gives you incorrect info and if you complain, they lock you out of your account so late charges stack up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Over ten years ago I had a mobile phone with XXXX which I had paid in full and in XXXX they were acquired by another mobile company. In the past several years I made sure my credit reports are clean of any derogatory accounts and last week I noticed that I have a discharge/collection from JEFFERSON CAPITAL SYSTEMS which is over 10 yeas old and it shouldn't be on any of my credit reports. Jefferson 's phone number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX, XXXX XXXX MN XXXX Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
EQUIFAX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized Credit Plus - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Credit Tech - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Fairway Inde - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX EQUIFAX MORTGAGE SER - Dates : XX/XX/XXXX Miscellaneous Reptg. Agencies NO CONTACT INFO XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Miscellaneous Reptg. Agencies NO CONTACT XXXX XXXXXXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX Miscellaneous Reptg. Agencies NO CONTACT INFO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On my credit report, Bank of America has put a late payment on my account on XX/XX/XXXX when my account was paid and closed in XXXX. I need them to remove this late payment.

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 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Money {$12000.00} sent by wire transfer to scammer through Bank of America on XX/XX/24 at XXXX XXXX 
Notified by email by medical board about the scam on XX/XX/24 at XXXXXXXX XXXX  Called Bank of America and reported the scam on XX/XX/24 at XXXX XXXX 
Also called and informed about the scam to receiving bank in XXXX. 
Filed a e report with XXXX XXXX police XX/XX/24 and they confirmed that they were starting the process of freezing recipient account Filled FBI IC3 form for wire scam XX/XX/24 Went in person to FBI local office and informed on site FBI agent and gave him all the information on XX/XX/24 Called Bank of America back on XX/XX/24, spoke with supervisor XXXX and informed her about all the steps taken.

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 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
Hello, I would like to raise a complaint about the XXXX XXXX XXXX coinlist.co. I had around XXXX units of a XXXX  called $ XXXX that I wish to withdraw. 

On XX/XX/2024 I submitted the request and it went immediately into a pending state and the balance of coins was removed from the wallet. No transaction ID was given and after 5 days the transfer has yet to occur. The transaction is still listed as pending on my account today XX/XX/XXXX. 

I have submitted support tickets and attempted to use the chat bot feature within the site and have had no response or acknowledgement. I have also tried to post on the sites X account.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
Credit Acceptance Corp has continually garnished my wages in the full amount for a vehicle they repossessed and resold. I have filed motion after motion to quash and arrange a payment agreement only to have them not provide me the info to make the payments and subsequently refile the garnishment. This loan was from XXXX yrs ago or more and I have tried to work with them.

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 2024-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
If the Bank was truthful. Rather then using the word Substantial to explains their fees for early closure of the CD. & Refuse to explain their fees when asked. 

see attachments The attachments won't upload. But enclude A letter explaining the issue, copies of statement from bank showing {$6200.00} in charges. from a {$100000.00}. 6 month.CD when closed 2 months early, & they calculated then on a 12 month CD rather then XXXX. I got a 50 % rebate w/ no explanation. 
But it still cost {$3100.00}. If they where truthful I would have put the money in their Money Market Acc. as I did w/ other money that day. then this whole thing wouldn't happened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
XXXX My spend account through Credit Karma was frozen with no apparent reason or notice. I didn't know it was frozen and I attempted to make a purchase at XXXX in XXXX Indiana for the amount of XXXX. It was declined. I called Credit Karma and gave my information, thinking it was quickly be resolved. I could not understand the associate I spoke with and she had difficulty understanding me. She said they could not unfreeze my account because I had " gave her the wrong information " She apparently then sent my account to the fraud department. 
I called again and provided name, email, phone number, last four of social security number and recent transaction amounts. She then told me that she couldn't provide any information to me but that they were working on it and refused to tell me anymore information about when I can access my money. I have been told to wait for an email with " the next steps. '' It has been XXXX hours since they froze my account and I have yet to receive an email or any type of information, let alone access to our money. 

In the meantime, we are stranded in Indiana on our last night at our XXXX and Credit Karma has taken every XXXX I have hostage. Please god help me get access to my account, I did nothing wrong here I just tried to buy bras to wear to my son 's campus tour at the university here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NJ

Complaint narrative:
I noticed this unfamiliar accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file. It does not belong to me so I made phonecalls and wrote letters to the companies referenced on the account from Experian bureau 's information. All the company representatives I spoke to couldn't verify my association with the account by my name, date of birth or social security number. All agree the account couldn't be mine because it's unverifiable. I informed Experian bureau of my findings but they are still saying it's verified and won't remove it, even though the account is inaccurately and unverifiably 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 2024-03-17 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: MI

Complaint narrative:
MOHELA has been nothing short of COMPLETELY FRAUDULENT in their practices. Over the past few months ( since the return to payment ) I have had issues with them randomly placing forbearances on my account even though I have NEVER ONCE asked them to do so. One forbearance they even randomly backdated a couple years!! I did file a borrower 's defense form where I clearly stated that I DO NOT want a forbearance. I have sent many, many messages in writing telling them I DO NOT want any forbearances. I have spent countless HOURS on the phone stating I DO NOT want any forbearances, yet they continue to ignore me and do whatever they want to my account without my permission. Now that I have recertified my employment for payments counts towards PSLF they have taken away XXXX payments stating they are ineligible due to a forbearance on my account. The timeframe they are claiming is ineligible is the timeframe that the government ordered a payment pause due to covid. MOHELA should not be allowed to service loans anymore. Not only this, but they don't truly respond to any emails. If there's any type of response from them it's WEEKS later and it's a boilerplate message that says that it looks like things have been taken care of, but if not, call them. There is no way they can claim that these practices are not beyond purposeful and designed to keep people in student loan debt, therefore keep the government making money off of us. I want this situation addressed and it needs to stop. I also am requesting a different loan servicer. MOHELA also will not produce any proof they have of me requesting a forbearance ( because it doesn't exist ) despite multiple requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
As Made payment beyond the payment. As I am paying down the principal. Wellgo is knowingly increasing the interest amount far beyond the agreed terms. I will file additional complaints with the federal 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 explanation
Consumer complaint received 2024-03-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bought First Republic Bank ( FRB ) in XXXX. We have been paying our mortgage to FRB and took advantage of a Covid forbearance plan for 6 months then reinstated payments. Once Chase bought FRB, we wondered how this might change our payment process but continued paying through the FRB app. In XX/XX/XXXX, we got a notice from C

hase saying the foreclosure process had been started and we owed thousands on our mortgage.

We have reached out to Chase at least half a dozen times to clear this up. Each rep at Chase has had a different set of instructions or understanding of the issue. They couldn't see that we had made ANY payments to FRB for the past year or so. We were assured that a knowledgeable rep would call back after each attempt on our part to sort this out. This has not happened and we are beyond frustrated. 

Two weeks ago we made contact with a " XXXX '' at Chase and she said we should submit a mortgage assistance application and then make an initial payment of {$5000.00} once our paychecks cleared the following week. When my husband called back last week to make that payment another rep told him she could not accept {$5000.00} ; only {$17000.00} would suffice. We explained ( once again ) the history and what XXXX had told us the week before. She said XXXX would call us to straighten things out. No call has come in. 

We have made every good-faith effort to pay our mortgage.

Company response to consumer: Closed with explanation