vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My checking account is linked to XXXX XXXX to pay my phone bill monthly. In XXXX, {$170.00} was deducted from my account XXXX times for the same bill. Upon noticing this, I contacted the bank to report the unauthorized transactions, and they advised me to reach out to XXXX XXXX for a refund. Despite contacting XXXX XXXX, they insisted the funds were properly dispensed. I don't have a XXXX XXXX card, and the deducted funds aren't accessible on XXXX XXXX. My phone company was not overpaid. I informed the XXXX  XXXX XXXX XXXX 's response, but they claimed there's nothing they can do. Despite multiple calls, the bank hasn't resolved the issue, and my funds, protected by FDIC, remain inaccessible. The bank 's failure to safeguard my funds and address this issue is concerning, as someone fraudulently withdrew money from my account, and the bank has yet to rectify the situation. The claims manager whose name is XXXX was extremely rude and unprofessional, when I asked her about the status of the dispute, she simply told me that an executive decision was made and a refund will not be issued. I asked for evidence of the investigation and she hung up on me. I called multiple times and I have attached the log in the screen prints below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company is falsely reporting on my credit report and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: FL

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.

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 non-monetary relief
Consumer complaint received 2024-01-08 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: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I ordered XXXX in the amount of {$63.00} on XX/XX/XXXX. I did not receive my food at all. I was given someone elses XXXX takeout when I had ordered burgers and whatnot from this restaurant called XXXX I reached out to XXXX to see if I could get a refund or a redelivery this time of the right food but they refused they told me there was nothing they could do. I am very upset seeing as though I spent a little over XXXX $ plus a tip for a meal for my family but ended up getting something I didnt even order.

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 monetary relief
Consumer complaint received 2024-01-08 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: TN

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2024-01-08 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: TN

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2024-01-08 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX Mr. Cooper was hacked and my PII was stolen. I previously had nothing to do with Mr. Cooper, but my loan was sold from XXXX XXXX to Mr. Cooper in about XXXX of XXXX. I feel like Mr. Cooper did not take adequate steps to protect my information, and those of all their customers. It is ridiculous that they should be allowed to have such an egregious violation of my data and not face financial punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a XXXX My Amazon store card is showing an increase in my monthly Amazon Prime rate that I was not made aware of and I am still a XXXX When I called synchrony to dispute I gave the wrong amount to dispute and was told I can not change my dispute. This is a very unfair practice and it is harming a consumer.

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 monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX regarding their debt collection practices, which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I recently received a letter from XXXX XXXX on XX/XX/2024, regarding a debt that allegedly was owed to XXXX XXXX, XXXX, initially owed to Upstart Network , Inc . In the letter, they stated that I had until XX/XX/2024, to respond to the charges. 

However, within just three days of sending this letter, on XX/XX/2024, I experienced what I consider to be egregious harassment by their representative, XXXX XXXX XXXX also using the name XXXX XXXX ). Despite the letter clearly stating that I had until XX/XX/2024, to respond, XXXX XXXX contacted my relatives, seeking information about me. 

When I contacted XXXX XXXX to inquire about this, he explained that they had tried to reach me by phone, and since I did not respond, they resorted to contacting my relatives. During our conversation, XXXX XXXX dismissively mentioned that I was now XXXX XXXX XXXX XXXX because they had called my relatives. I found this choice of language unprofessional and disrespectful. 

I specifically asked why they did not contact me through email or regular mail, as they have my email address and home address, but XXXX XXXX claimed he had already sent an email, which I allegedly did not respond to. I pointed out that the email clearly indicated that I had until XX/XX/2024 to respond, and questioned the need for contacting my relatives. 

Despite my concerns and insistence that such actions are against the law, XXXX XXXX continued to dismiss my objections, stating that I " didn't know what [ I ] was talking about '' and that he was within his rights to contact my relatives. I firmly believe that such actions are in violation of the FDCPA, which prohibits debt collectorXXXX from engaging in unfair, deceptive, or harassing conduct. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX for its violations. I have attached a copy of the letter I received from XXXX XXXX, as well as any relevant documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Had our loan with Mr. Cooper for several years. Was notified of a data breach. Not given any other information from Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This new Claim is to be apart of # XXXX BOA Called me Thursday XX/XX/XXXX at XXXX to advise me that someone named XXXX ( XXXX XXXX from there Executives Escalations team would call to go over things. I have called and left numerous Voice mails for a return call and nothing and no answers still. I will continue to file a new COMPLAINT Every week if I have to, I will also give all this information to my Attorney who is scheduling a call with the XXXX XXXX this week for an investigations of an almost 7 month since the date of incident. 

_____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Fraud occurred on my Business Bank Account at XXXXXXXX XXXX An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/XXXX and recall wire was sent several times from XXXXXXXX XXXX  More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within 45 minute 's of happening. XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX  ) and from any recalls that have been sent since XX/XX/XXXX. Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.

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 2024-01-08 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX  The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( XXXX ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: MI

Complaint narrative:
I recieved notification in XX/XX/2023 that approx XXXX of my loans were supposed to be forgiven with PSLF. The XXXX has not fell off my total balance so my payment has not decreased. Mohela is making my payment adjustment based off the XXXX instead of subtracting the PSLF loans. I also continuously recieve emails that I am deliquent on payments even though thru Mohela it shows that I am in a administrative forbearance. Ive tried SEVERAL times to reach out via phone but the wait times are 6-8 hours. I one time spoke with someone finally but was disconnected prior to relieving my issue. If the PSLF loans were completely forgiven since the 120 payments were made then my monthly payment would be feasible and I could afford the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER BANK please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account is due to be removed from my credit report in XXXX. You are also furnishing different information between the XXXX bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable as of XXXX. Why do you have a balance reporting in XXXX when this account is closed and past the statute of limitations? You failed to send debt validation as well as the 1099c for this supposed charged off account. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. I'm quite sure your CEO OR VP wouldn't want to be in court for this matter. Any US Code in the FCRA that any corporation violates, the consumer is entitled to actual damages and monetary compensation. Please see the attached docs and remove the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For false information appearing on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of 30 days. All of the letters that were sent are attached below. 

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.

Company response to consumer: Closed with non-monetary relief