vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Received a Statement with a charge of {$1.00} for " Paper Statement Fee '' on XX/XX/2024. Tried to get Answers and inform them that they need to provide statements for free. Also, you may not access your statements unless you agree to online Statements.

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 2024-03-09 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:
Mohela is currently going through a servicing platform update. They have been very clear that they would be doing this update and transferring the webiste/service that handles student loan repayment. That communication was very clear. They made it sound like the platform/service update would take a reasonable time and then it would be fixed. That has not been the case. 

While my account is being " transferred '' to their new service, there is no possible way to pay my monthly amount nor see any status about my loans. I have called and the customer service reps explain that even they can not see or interact with my account at this time. All they can do is confirm that I have an account with them and that the account is currently " in progress '' of switching to Mohela 's new service platform. 

My concern is that I know I have a payment that is due but no way to make such payment which could cause penalties to me in more ways than one. No to mention that the longer this drags on the more interest I am being charged. Mohela has not stated anything about not charging interest or not reporting late payment to credit bureaus if they take forever in this " platform update ''. I should always have the capability to view my account and pay my bills but I suppose Mohela doesn't quite agree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM RESPONDING ON THE RESULTS OF YOUR INVESTIGATION REGARDING THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND AN XXXX XXXX XXXX THAT WAS VERIFIED TO BE CORRECT. I AM DEMANDING TO SEND ME A PROOF THAT THESE INQUIRIES WERE INITIATED BY ME. I NEVER AUTHORIZED THESE INQUIRIES AND THIS IS CAUSING ME DELAYS ON GETTING MY LOAN APPROVAL. IF YOU CAN NOT PROVIDE ANY PAPERS THAT I DID AUTHORIZED THOSE INQUIRIES, I DEMAND ALL OF THESE INQUIRIES TO BE DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-09 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-09 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
There is currently a default on my credit report for XXXX dollars. This credit card was not mine and I have no knowledge of the card. I never signed any forms agreeing to ownership of the credit card. I told chase this many times and it was taken off of my credit report. Magically a payment was made which was not from me which they then put it back on my credit and told me I must have made the payment. I opened up a case with the government for indenity theft and this was not the only item I had to get taken care of. This is the only bank that is unwilling to help and realize I am the victim here. 

Chase has a real issue on their hands

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am writing to formally request the immediate removal of my account and the return of my funds, in addition to requesting the removal of this account from all credit bureau reports, in light of recent findings against XXXX XXXX XXXX ( XXXX ), as outlined in the enclosed school exhibit. It has come to my attention that XXXX was found guilty of making misleading claims, false product claims, and engaging in XXXX activities. 

Given these circumstances, I believe it is both fair and necessary to dissociate my financial and educational investments from an institution proven to be in violation of ethical and legal standards. The integrity of my educational pursuits and financial engagements is of utmost importance to me, and continuing under the shadow of these revelations is unacceptable. 

Therefore, I kindly ask that Affirm takes immediate action to terminate my account, ensure the return of my funds, and remove any associated records from all credit reporting agencies at the earliest convenience. This request is made in the hope of maintaining the highest standards of accountability and transparency in our financial and educational ecosystems. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of account removal, fund return, and the clearing of my records from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I have been hit with hidden charges. I was in a situation that caused me to lag behind on making on time payments. Then the account got closed. 

I have had this account since XX/XX/2021. The negative remarks ( delinquent payments ) that happened last year due to circumstances beyond my control are damaging my credit, causing me do being denied housing as well as being charged high interest rates. 
I have been trying to reach out to the company to settle and resolve the past due balance but in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy Act of 1974. 

Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 
This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

This account was charged off on XXXX Inaccuracies on the amount with each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: NC

Complaint narrative:
I have contacted XXXX XXXX about the account in question and have informed them this account doesnt belong to me. I received a copy of the application/contract and non of the details belongs to me. The home address, phone number, bank account, and all other personal information associated with this account is inaccurate and has never belong to me. I have requested the removal of this inaccurate information but XXXX XXXX has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I have reached out to XXXX and XXXX numerous times, the last time being, XX/XX/2024 stating that they are both reporting different total balances as well as inquiries, delinquent and derogatory reporting. 
Also XXXX XXXX  and XXXX XXXX are both reporting different opening dates on XXXX and XXXX. 

I am opting out under 15 USC6805

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
XX/XX/XXXX dispute started On or about the XXXX of XXXX the dates changed on my dispute. 
Dispute amount totals XXXX I was told from XXXX chime agents I was going to have my money in full on XX/XX/XXXX. On XX/XX/XXXX denial was made for dispute on a technical error was not found. Now went into rebuttal. Denied was the outcome. Rebuttal XXXX started and in XXXX hour denied. Now we are in rebuttal number XXXX. Which I was promised from chime agents that I would have my money in full on the XXXX of XXXX. I am still waiting as request for more Information was asked from chime. Merchant has had me blocked for some time now. I cant get into my account it is blocked. I called merchant no answer. I emailed merchant I got denied from merchant email server. I have no access to anymore information. Inportant tax Information is being held because I am blocked from the merchant. Chime has come to decision to close my account on the XXXX of XXXX. I do not know why. I have emails from merchant saying that money has been reversed back to chime and it never made into my account. Just XXXX was added as a temporary credit which chime reversed on me and making account in the negative. I called many many times and just keep getting the run around. This has caused me nothing but a financial burden. I spoke with my mortgage comply explaining that I wood be paid up to date. I have made myself look like an XXXX once already by saying that to mortgage company. And my funds still havent been out into my account. Chime agents informed me that all calls are recorded. Investigation team should listen to the calls before XX/XX/XXXX and they will be able to hear the promise of my funds being replaced into my account. Thats was all lies. And I was told once again they would be all back in by the XXXX of XXXX. But since its In rebuttal XXXX. The dates keep getting pushed back all the way to XX/XX/24. I am behind on my mortgage now and I feel like I am being taking advantage from chime and merchant. The merchant email state I am to pay them back with cashiers check and if not done I will be placed in collections. Why will chime not reimburse me my money? They have gotten some of it. I dont know where else to go for help. I think this was the right choice. So yea I feel like I am getting the run around from chime and merchant. Cause I am clearly be taking for and being put into collections and I dont have XXXX of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-09 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: TX

Complaint narrative:
Exeter Finance is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I was affected by XXXX XXXX and creditor would not assist in my distress. The vehicle was repossessed and auctioned off and balance was sold to XXXX XXXX, both have on my credit report and the amounts that are being reported are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
My credit is being illegally charged by Lockhart , Morris & Montgomery Inc . They keep applying a medical debt of {$520.00} to my credit report when it is illegal to do as such. It gets deleted and they keep re inserting it into my report. I am a XXXX recipient and have been at the time of my emergency hospital visit. It is illegal to charge active XXXX recipients or those presumptively applicable for emergency medical services. I let Lockhart know that it is illegal as well as did several disputes and showed them the actual law as well as my XXXX plan.XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation