vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. 

I disputed the fact that I did not purchase a {$1900.00} XXXXXXXX XXXX nor did I have it delivered to an XXXX XXXX XXXX in XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. 

In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. 

I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. 

On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my account.

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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: ID

Complaint narrative:
This company has a debt listed on my credit report, I do not know what this debt is for. I request debt validation request by certified mail on XX/XX/23, delivered on XX/XX/23. I received no response from the company. I disputed the debt on XX/XX/23 with XXXX, they validated the debt as accurate with XXXX on XX/XX/23. I sent a second request for validation on XX/XX/23, they received and signed the letter on XX/XX/23. I received a response from the company by letter on XX/XX/23, stating they already validate the debt and refuse to send validation again. I have never received anything from this company, I am alleging they do not have proof that this debt belongs that's why they can not validate the debt. They have violated the FDCPA numerous times, my next complaint will be a lawsuit is Idaho. They need to remove this debt from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
These Accounts doesn't Belong to me : 1. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2023-11-30 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On the XXXX XXXX, XXXX, I received another mail from the law office of Pressler, Felt and Warshaw, representing a debt collection agency, XXXX XXXX XXXX, in reference to an old, XXXX  XXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXX civil part, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring XXXX XXXX XXXX, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Nelnet, Inc.
State: NC

Complaint narrative:
My account is missing payments that were mailed in on XX/XX/23 and XX/XX/23, but these checks were cashed. I had a " Past Due '' balance because they haven't posted these payments to my account but have clearly taken my money. 

With the interest that quickly accrues on these loans, it is absolutely unacceptable for any delay in processing payments and posting them to our accounts. I NEVER experienced an issue like this with my previous provider, Great Lakes. 

I waited for over an HOUR on the phone for someone to tell me they're having delayed processing times. Again, this is unacceptable. This provider should not be allowed to conduct business if they can not handle the volume of borrowers ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
I received an automated text from Amsher debt collections saying they wanted to help me resolve my account and to call to discuss. I didnt have an account there nor never heard of them so I didnt call. I just got notified on my credit report that I had a debt in collections by Amsher Debt collections from LLC Charter Communications for {$560.00} but Ive never had an account with them. I had 2 fraud occurrences this year as well. One with XXXX and one with another communications company. Its very frustrating to have to go through all of this again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am refiling this complaint to UNITED COLLECTION BURE Original creditor XXXX XXXX XXXX for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it 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 2023-11-30 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: CA

Complaint narrative:
In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NJ

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: PA

Complaint narrative:
XXXX - Applied for Borrower Defense Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX XXXX XXXX XXXX  XXXX Borrower Defense Application Approved " YourRelevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete. '' XXXX - XXXX Mohela because my loan was not in forbearance. They refused to put it into forbearance for me even though XXXX XXXX XXXX specifically indicates that it has to remain in forbearance until the discharge is completed. Contacted FSA who also could not help me, but suggested I file a complaint. 

XXXX - Filed FSA complaint against Mohela ( Feedback Case # XXXX ) XXXX - Received email from Mohela stating " According to our records, an Exceptional Discretionary Forbearance has been placed on your loans for the periods of XX/XX/XXXX through XXXX/XXXX/XXXX. The Office of Federal Student Aid ( FSA ) had sent MOHELA notice to process a Borrower Defense to Repayment forbearance onto the account per your claim. 

XXXX - My Mohela account reflected end date of XXXX/XXXX/XXXX XXXX - Mohela took me out of forbearance and payment due XX/XX/XXXX. Emailed Mohela XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Tried several times to reach by phone. Unsuccessful. 

XXXX - Contacted FSA who was not able to help me. Filed a 2nd complaint ( XXXX XXXX # XXXX ) XXXX - Contacted FSA Borrower Defense. They said I had to contact Mohela to place me into an administrative forbearance, and could not help me. 

XX/XX/XXXX - Payment overdue. Next payment due XX/XX/XXXX. Sent several emails through Mohela account - no response. Called Mohela yesterday ( XX/XX/XXXX ). Finally got through to someone who kept putting me on hold and then we were disconnected. Did not receive a call back even though they verified my phone number and asked my permission to call me back if we get disconnected. Tried calling twice this morning. Hours indicate they open at XXXX. Called at XXXX and XXXX and message indicates that they are closed, but that their hours begin at XXXX. I now am past due and have another payment due XX/XX/XXXX. How do I get Mohela to put me back into an administrative forbearance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC
State: PA

Complaint narrative:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bought some items from a company whom then ended up never delivering the product and cut contact with me. I went to the bank to have the fraud charge reversed. The initial exachange of money was through XXXX XXXX whom I challenged the fraud charge with. Now a month later they reversed it again and left my account in the over drawn negatives and are taking the merchants side even though I have documentation it was all fraud

Company response to consumer: Closed with explanation