vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: MD

Complaint narrative:
Recently recieved an email from a collection company Pinnacle credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They are asking me to pay {$740.00} for services at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. I have lived in XXXX since birth XXXX year ago. 
XXXX. I haven't had a landlines since 2008. 
XXXX. My cell service has been with XXXX since 2008. 
XXXX. I don't owe this debt. 

I am very concern and disturb that a debt collector reach me on my private email. This has caused me great concern that these agencies can reach me on my private email and falsely claim that I owe money at an address and for services that I don't have. This is causing great anxiety that companies can do this and practice disrupting people 's calm life by falsely stating they owe a debt and is trying to collect on it. 

If I was a person of XXXX or XXXX XXXX  this could be severely overwhelming and could cause the person to pay a debt they don't owe or be even more catastrophic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 explanation
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have ask Navient for information about my loan for YEARS. I notices back in XX/XX/XXXX that Capitalized Interest was added to my loan for {$2200.00}. I called and was told that I would get a letter in the mail. Over a year later I got nothing. Then I saw They reported me to the credit bureau said I was late for 90 days which is not true because I was on Auto pay for years. I was in programs that was interest only and when I request them to explain I always get told a letter will be sent still nothing. I requested a payoff letter because it didn't match the credit bureau report. At that point I ask for a settlement to be done. I am still waiting a month later. I have contacted the customer service department leaving messages with no return call. I have left 4 messages as of XX/XX/XXXX. I have called them so many time and had to deal with rude people and I am over it. I ask them to take me off of auto pay now since we are having issues and still they will not take me off. Also I have ask them to send me my tax form and was told I didn't pay and Interest even thought all my payment went to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: MO

Complaint narrative:
I do not approve these requests and they are of no relevance to my financial operations. I'm demanding that they be removed from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
EdFinancial is not adding the autopayment interest discount to my account. I am currently in the standard repayment plan and have called twice about setting up autopayment, both times I registered, did not receive email confirmation and was told from customer phone support I needed to make a manual payment before the autopayment due date would kick in. I made a manual payment on XX/XX/XXXX waiting for autopayment to occur on XX/XX/XXXX, which did not occur, and called again and was told autopayment was setup and to just make another manual payment. I made another manual payment on XX/XX/XXXX waiting for autopayment to kick on on XX/XX/XXXX, but autopayment did not kick in again. Upon logging in no money was taken from the account and the payment date was changed to XX/XX/XXXX, despite no money being taken from the account and autopay not showing. 
I called for a third time and was told autopayment never was added to my account ( I have added it twice ), they have no record of autopayment signup, and that I needed to sign up again. This time, when I added autopayment, I received an email confirmation ( despite not receiving one the other two times ) and was told it would kick in 30-60 days and I would have to make manual payments again until then. This feels like a runaround to avoid the .25 % interest discount from autopayment as I have signed up and called multiple times and money is never taken automatically from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2023, I sent Transunion a letter demanding they investigate an inaccurate account on my credit report. I never did business with the original creditor nor have any contractual obligation with the collection agency. After 30 days, they have neither investigated nor removed the 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 explanation
Consumer complaint received 2024-02-28 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: SC

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 XXXX 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 account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Please see FCRA consumer rights documents that public record for evidence of the claim that the said company broke my FCRA Consumer rights. 

My file would not download for some reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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.
State: SC

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 computer science, 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
My primary residence is a Single-Family property located in XXXX, DC XXXX 

XXXX. On XX/XX/XXXX, I agreed to a XXXX Modification Agreement with SPS. 
( See Attachment A - XXXX Modification Agreement ) o The terms of the XXXX Modification Agreement include a Deferred Principal Reduction amount of {$190000.00}. The XXXX Modification Agreement sets forth the terms of the Deferred Principal Forgiveness on the second page, Paragraph XXXX. 

o The Tax Consequences of Loan Modifications section of the XXXX Modification Agreement provides the following statement regarding IRS and borrower notifications : SPS will notify the IRS of the amount of principal forgiven on IRS Form XXXX, copies of which will be provided to you by XX/XX/XXXX of the year following the loan modification. 

XXXX. On XX/XX/XXXX - SPS filed tax Form XXXX with the IRS, the tax form confirms the amount of debt discharged as {$190000.00} and lists the date of the identifiable event as XX/XX/XXXX. ( Attachment B IRS Form XXXX ( Cancellation of Debt ) ) XXXX. Despite filing the debt cancellation notice with the IRS and the related requirement for me to report the amount as taxable income. SPS continues to erroneously include the discharged amount as part of the outstanding principal balance and attempts to collect the debt. 

XXXX. I sent multiple Notices of Error and Information requests to remove the discharged amount from the outstanding principal amount to SPS on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, SPS responded and refused to acknowledge the principal forgiveness and/or adjust the outstanding principal balance to remove the cancelled debt. ( Attachment C SPS response to Notice of Error and Information 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 2024-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We are complaining about a purchase price of a home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX  for a home on XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX  was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with 2 mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I have no knowledge of these accounts or applying to these accounts. 

Dear XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We were contacted via telephone by Citibank on XX/XX/XXXX regarding suspicious debits to our small business savings account. These amounts of {$2000.00} and {$4000.00} were charged to our account on XX/XX/XXXX and XX/XX/XXXX, respectively. Both transactions were transfers to accounts at XXXX XXXX Bank. We told Citibank that these transactions were not authorized. They told us to contact their Fraud Services Dept. toll-free phone number. 
We immediately called the Citibank Fraud Services Dept. and explained the situation. They " blocked '' our savings account so that no new transactions could be posted and initiated a case. 
Over the course of the next several months, we received and sent correspondence, made numerous phone calls and sent emails, coordinated with our local Citibank branch manager, contacted XXXX XXXX XXXX, etc. Citibank dragged their feet every step of the way, closing and re-opening our case, and producing no resolution. 
The most recent letter we received from Citibank dated XX/XX/XXXX stated that " Due to the limited time that banks are allowed to return these types of transactions, we are unable to return these items. ... Unfortunately, we are unable to assist you any further regarding these transactions. '' We have not yet been reimbursed for these funds that were erroneously charged to our account. We are awaiting a credit back to our savings account in the amount of {$6000.00}. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: OH

Complaint narrative:
I initially applied for an income driven repayment plan ( IDR ) over 6 months ago. During that that I have contacted customer service at least 3 times to address this problem and was recently put on forbearance and was told the payment plan would be processed " in about a week ''. My forbearance is now ending with a payment that is three times what my expected payment should be. I contacted Mohela today, XX/XX/XXXX and was told there is no recourse and that there is no information available regarding my very, very delayed processing time. 

IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX IDR Processing XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-02-28 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.
State: SC

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I recently reviewed my credit report and notice I have fraudulent accounts. Please remove the fraudulent accounts. It is affecting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief