vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION
State: IA

Complaint narrative:
I don't really know what happened. 
The person was, at best, cordial. She/they stated they were calling for Regions Bank . 
Then they asked me for my physical address, I gave it and then they immediately said .. '' you owe us, Regions Bank XXXX money. When will you be paying? "... I said, " oh, I do? Okay. Well I work at a XXXX XXXX XXXX and get paid every two weeks. But we aren't in season right now. '' They responded, " Okay, every two weeks. So you'll pay in two weeks, nothing before then? '' I said, " Wait, what? Um I don't know? What is this for again? '' They said, " I'm calling on behalf of Regions Bank because you owe them money and it is more than 30 days past due. '' I asked what money. They said " the money you owe '' and then we disconnected. 
**Different phone numbers, same basic purpose. This makes year 5, of the last 8 YEARS, that I have received random insistent calls. Demanding debt be settled. Without ANY written notice. 
Also, without ANY resolve. Just constant, daily, sometimes multiple times a day calls demanding I pay some money for some outstanding debt. Debt that I have YET to be given information about. Never the same amount owed. This year the " amount owed '' is a couple hundred Less than last year. Also, no notices, ever. ** I never received any mailed/ physical letter about this supposed debt nor of it being past due. This phone call, or number rather, has called me almost every day for the past 20- 30 days. Even on Sundays! Always rings 3 times and hangs up. 
***Note : I did settled on some debt in XXXX tax year. But this is XXXX And my debt was paid in full via tax return 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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX Chase Bank : I wanted a fraud alert placed on my Chase Checking account, XX/XX/XXXX ( XXXX XXXX  ). 
The account was hacked by a online provider/XXXX 

I had to close account for continuous fraud activity. 
I downgraded Bank Card to ATM card. 

I was a valued Chase Bank client since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc.
State: OH

Complaint narrative:
I request a payoff quote mid XXXXXXXX XXXX XXXX and was provided a quote of {$220.00}. However when I looked online the payoff amount was different. When I contacted the lender the representative failed to initiate an investigation as to why there was a discrepancy and told me if I chooses to pay a different amount that was on me. I again request a payoff in XXXXXXXX XXXX XXXX and was provided a payoff amount of {$210.00}. I mailed in the money order and upon calling to verify my payment was received was informed the company would not honor the payoff quote provided due to an error in their system. Once the payoff payment was processed a representative found there was a discrepancy of {$210.00}. In speaking with a collections manger I requested an amortization schedule based on my payment history as I have been paying an addition amount of {$20.00} dollars for the past 2 years. What I received was a standard amortization schedule based on my loan contract not accounting for my actual payment history. I was told XXXX XXXX did not process the capability and had no way of proving the additional amount is owed. I also asked why it took 45 days to notice and correct the error and was not provided an explanation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Bridge IT, Inc.
State: NC

Complaint narrative:
first of all, this is a credit-building scam. I never received any money from this company. They took {$25.00} dollars from my linked-bank account monthly. They never reported the good payments. I had to change checking accounts and my new one would not link. I tried to call and that just tells you to send an email. I sent emails over & over asking for an alternate way to pay & just was told to link my account. this went on for months, then they closed the account & put that i owe them {$520.00} for money i never received. How is this legal. I disputed on all three bureaus & requested all information that i am legally able to request. I disputed via certified mail to Brigit and all 3 bureaus & nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: AZ

Complaint narrative:
I have asked at least 3 times for the original purchase agreement from the original creditor and signatures from all parties involved. Because I have had different companies reach out to me about this same alleged debt.

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 2024-03-05 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.

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Name : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX XXXX ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX  XXXX, WI XXXX Employers XXXX XXXXXXXX XXXX Employers : 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 2024-03-05 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: TX

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In XXXX of 2023, I was a victim of robbery and identity theft. I reside in NY, but the incident occurred in XXXX XXXX, LA. I had several accounts drained, including 2 I had with navy federal. Below I have attached documents that I sent to Navy Federal with a police report stating the time and dates that the incident had occurred. Of the 4 different banks I have accounts with, navy federal was the only one to deny my fraud claim. They sent me 1 paper stating it was bc of my irregular spending habits. I submitted an appeal with even more paperwork and evidence, and my appeal was denied, not for the reason they initially provided, but for an entirely different reason that was not mentioned the first time around, with no recourse to appeal again. I have been in very close contact with navy federal to keep myself updated with their progress. Their team in my eyes are under qualified and weren't able to answer many of my questions often getting different answers from each person, this has lead to a lot of confusion on my end. My situation since the beginning was poorly handled with the canceling of my accounts and disputing charges. There was very little information and guidance to help me with my fraud dispute since the beginning. I have received 1 letter in the mail regarding why my dispute was denied with very little as to why it was denied. I sent an appeal with several pieces of paperwork backing up my claim proving that I was the victim in this situation instead they deny me yet again. As of this point Navy Federal is refusing to refund me thousands of dollars that were stolen from me, regardless of their Customer fraud policy. I believe the original denial, and denial of my appeal were a result of poor, and unfair investigative practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: EdFinancial Services
State: OH

Complaint narrative:
I have made two large payments toward my student loans. The first payment was XXXX dollars on XX/XX/XXXX. The second being XXXX dollars on XX/XX/XXXX. 

I made these payments to pay off my unsubsidized student loans that were starting to accrue interest as of XX/XX/XXXX. 

Sometime after the second payment was made, I went to my account to see if the money had been allocated correctly. To my surprise, no transaction history was made visible on my account. After calling, they said I was not able to see this information because my account was still in an in school status. 

On the same phone call, I asked what payments they had on record. They listed out payments of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. They listed these as the only payments I have made despite me recieving email confirmation that my payments were of XXXX and XXXX respectively. Additionally, my bank statements show XXXX and XXXX dollar payments to EdFinancial. 

I am now seeking that the money I had put toward my student loans be rightfully asserted toward the loans, and any residual interest that was accrued as a result of this mishandeling be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Credit card provider ( JPMCB ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts JPMCB accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( JPMCB ). I wrote to JPMCB and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CT

Complaint narrative:
I have been advised by counsel to formally document and inform Mohela and the office of XXXX of all interactions that occur from today and moving forward. 

On Tuesday, XX/XX/XXXX I called MOHELAs PSLF line at XXXX XXXX. I was placed on hold for an hour before a representative answered the phone. The reason for my call was that 8 of my payments have been improperly marked as ineligible for PSLF even though they are eligible under either TEPSLF waiver or the IDR waiver. I had uploaded 3 pieces of explanation and documentation on XX/XX/year> that Mohela had moved from processing to canceled three weeks later without explanation. 

When I spoke to a representative, I requested to be transferred to a supervisor from the Escalation Team. Instead she kept me on the line for an additional 20 minutes only to tell me that she had spoken to a representative who said the payments were correct and being looked into. Those two statements contradict themselves. Either the payments are correct or they are being looked into. I requested to speak to the Supervisor myself and was placed on hold before being informed that all members of the team are busy and you will receive a call back in two business days. The line then hung up. 

I then called the Ombudsmens Office since I have an active and open case with FSA that they failed to respond to within the allotted 15 days. I was again on hold for 30 minutes before speaking to a representative who mentioned he was part of the investments team and incorrectly surmising that the payments were not qualifying because I did not certify my employment. The issue at hand is first that payments were made prior to consolidating with Fed Loan Servicing while working for a qualifying employer and second that payments were made during an inappropriate period of forced forbearance. 

I am now on hold again in hour 3 of being placed on hold. While on hold MOHELA called and when I went to answer had hung up. Then after 3 hours on hold with the office of FSA waiting to be transferred to a supervisor that line hung up on me as well.

I formerly request that both Mohela and FSA respond to this letter in writing with an explanation of why my uploaded forms were canceled as well as that I receive an updated an increased payment count from XXXX to XXXX or an explanation of why they can not be updated as such. MOHELA and now XXXX have been placed on notice and has 60 days to respond to this action before further legal action will be taken. I have documented all interactions and have evidentiary support to further my next steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I sent a letter to verify and validate 2 accounts that are under this company on my credit report. There is one account that says XXXX XXXX XXXX assigned and reported on my credit reports XX/XX/year>, in the amount of {$5400.00}. The other is for XXXX XXXX in the amount of {$350.00} that was assigned and reported on my credit reports on XX/XX/year>. I did not receive any letters in reference to either of these debts before they were reported on my credit reports. I have not received a response so I will be sending new letters today via certified mail.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
There are two hard inquires that I do not recognize on my credit report. 

XXXXXXXX XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/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 2024-03-05 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: PA

Complaint narrative:
On XX/XX/year> I went into XXXX XXXX in New Jersey to XXXX XXXX a XXXX. The salesman was nice and we had a good conversation. He then proceeded to take my info and said he would get me some numbers on the vehicle. I was hoping to get a rough estimate so that I can shop around and choose the best deal. I was told that my credit card was not accessed because my credit file was locked as I had intended. This was false! The next day I noticed a hard inquiry on my report and a finance charge was created without my consent. My credit and securities are mine and mine alone and can not be used without a benefit to me the secured party. I have tried to remedy this with the dealership on multiple occasions to no avail. The next step after this is lawsuit if this matter isn't handled to my satisfaction. XXXX XXXX is in violation of the consumer credit protection act and codes 15-USC-1611, 15-USC-1681n and can be criminally liable for giving false information and securities fraud.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation