vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: NC

Complaint narrative:
I have XXXX private student loans through Navient for XXXX. One I borrowed {$9600.00} and it has a balance of {$39000.00} and the second I borrowed {$7400.00} with {$27000.00}. Both loans have a XXXX %. I contacted Navient in XXXX to get my loans consolidated and was told I was not eligible. I proceeded to explain that I wasnt able to make a $ XXXX payment. I entered into a payment plan that reduced my payment to {$380.00} and made XXXX auto-payments one for XXXX and another for XXXX. I had requested that my payment due date be moved to the first of the month therefore I had to make the XXXX payment on XX/XX/XXXX when I set up the payment plan and the auto pay and then another one in XXXX which I did. They assessed a late fee on both accounts with no explanation. I called on XX/XX/XXXX to inquire about the reason for the late fee and was told they would be waived. I checked my account on XX/XX/XXXX and it still wasnt removed. I called back on XX/XX/XXXX and was told again that they were reversed which they are still on my account as of today. I also received an email while I was in the phone saying that my rate reduction plan was cancelled. Again with no explanation other than system error. They were going to revert my payment back to the $ XXXX. They put me on a different plan. I also requested a school misconduct application for the loans as they are to XXXX and my federal loans are in the process of being forgiven for that school. I was told it was requested. I asked last week the status and was told it was never requested. I inquired yesterday to the original rep that I spoke to and was told it was never done and my account is still not showing that it was requested. I asked to speak to a supervisor and was told they were having computer issues and they would call me back. That was at XXXX yesterday and I am still waiting for the call. This is absolutely the worst company to do business with. I borrowed {$17000.00} and now owe {$66000.00} for a subpar education. I just got out of bankruptcy trying to better myself and trying to pay my debt but I am on the phone with them several times and they revert the payment back. I need help getting to the bottom of this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
This is an ongoing dispute about a late payment notation that appears in my credit report. The information reported is inaccurate and does not reflect my payment history correctly. The specific account in question is : Account Name : XXXX XXXX  Account Number : XXXX... 
Date of Late Payment : XX/XX/year> Under 15 U.S. Code 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Denali Capital Holdings, LLC
State: OK

Complaint narrative:
collector e-mail me lawsuit calls to mom and dads cell 29 times. collector has violated DODD FRANK ACT FOR THE LAST TIME. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My person information is being inaccurately report on my credit report. My name is spelled wrong my address isnt up to date. These agencies are knowing reporting wrong information that is hindering my credit score. 
Accounts are not being reported in accurate standing. XXXX XXXX is falsely reporting payment dates that havent been made by me. In order to keep this delinquent account report. 
XXXX is report false information about a closed account still being reported to agencies. 
XXXX is falsely report an account that has been closed in after being paid. 
XXXX XXXX XXXX XXXX XXXX is falsely reporting to agencies inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I became aware that my monthly payment to Synchrony Bank was not automatically paid by my XXXX account as it was in the past due to a glitch. I immediately called Synchrony Bank and explained that there was some sort of glitch when my bank tried to make the automated payment and it did not go through. It was not clear to me whether the glitch was on my banks end or Synchrony banks end. I spoke to XXXX at Synchrony. I said to prevent this from happening in the future, Id like to pay the account in full. He said that was fine I did receive a confirmation number and believed my account was paid in full. Also I told XXXX I was concerned about getting a late payment because I was one day late but explained it was not my fault but due to the bank glitch. XXXX said not to worry I would not encourage a late payment. 
Today I noticed an email amongst a lot of spam alerting me that my account was late again. I called synchrony to understand what the late payment was for as I was under the impression my account was paid in full on XX/XX/XXXX. I had a {$41.00} charge late fee and a {$3.00} charge for a paper statement fee and interest on that paper statement fee. Im not supposed to get any interest on this promotional credit card. I purchased XXXX violins from XXXXXXXX XXXX XXXXXXXX on a promotion that if I paid it in full by XX/XX/XXXX no interest. I explain this to XXXX at synchrony bank and she said that they cant waive the paper statement and interest charge. I was so upset during the call I completely forgot that I dont receive paper statements from them. XXXX told me there was no way to stop receiving the paper statement fee unless I go online and switch it to paperless. Another person by the name of XXXX then came on the phone and said the same thing as XXXX. I told him to cancel my account and he said I would still get paper statements and bills for the paper statements unless I go online and cancel the statements. Ive been locked out of my account and cant get online. This is a scam and I would like it stopped. I would like you to investigate it. I verbally told them to cancel my account. I told him I would mail in a {$3.00} check to pay this paper statement fee and they agreed to waive the {$41.00} late fee. I do not think this is right. I should not have to pay a statement fee. Ive already paid the account in full, I dont receive paper statements, and I was told by XXXX no other fees. 

Thanks

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 2024-07-24 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had multiple transactions on my account this past weekend that I did not authorize. I lost my card Friday evening ( XX/XX/year> ) and over the weekend the card was used. I was unable to file a dispute for a pending charge so I had to wait until they all were completed.

After locking my card and reaching out to Venmo customer support they open claims for each transaction, not even 2 hours later every single transaction was denied and said they found it to be an authorized transaction. How?! I didnt do those transactions. Theyve cancelled my card and sent me a new one but are refusing to send me the money back. They also will not let me reply to the emails. I have no way of contacting their dispute department. This seems extremely unethical. How do you determine that almost {$400.00} worth of transactions were all accurate and were in fact done by me ( which they 100 % were not ) in just under 2 hours?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I have noticed that there is an item on my credit report that have resulted from fraud which I never benefitted from, this is unbelievable, my rights as a consumer is being violated. As a law-abiding citizen this is incredibly insulting. This is already reported to the Federal Trade Commission but is not removed from my report which is causing me immense stress and anxiety.

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 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J Ross associates inc partial account XXXX XXXX past due as of XX/XX/year> Address id XXXX Account should be remove, dates do not make sense.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I created a PayPal account around last year ending, I didn't use the PayPal for a while here is the PayPal main XXXX. so today I decided to make use of the PayPal account, received XXXX $ and decided to link my bank to account, after linking and confirming my bank account successfully, my account was limited, after providing all the information required, my drivers license and personal data, I got another limitation, I was asked to confirm the bank again, which I did, and also reupload my ID, which I also did, but this time when I uploaded the ID, it didn't take 1 second I got a mail saying we are unable to continue processing payments for this account. This is very bad and sad considering I've uploaded all my personal data on this platform. I'll like if my account can be restored to full functionality

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/2023 from my XXXX  account to that account in the amount of {$40.00} I right away got a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to XXXX and they told me that the XXXX  was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them they told me that they never received it and that my account is closed so they can't help me. Now, I filled already a complaint through CFBP to which they responded that all do they received the money they will not release it to me, when I tried to replying the complaint was mistakenly closed as satisfied, but indeed I never saw my money back. 

Update : Citizens said that I need to claim my money from XXXX, so I opened a CFBP claim with them, but they now confirmed to me that they processed this transaction. And therefore, Citizens is the onw that holds my money currently and is the one that should refund it to me. Please see below detailed response from XXXX. 

Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We reviewed your claim for the {$40.00} XXXX transfer sent from your account on XX/XX/2023. The claim was denied because the XXXX transfer was processed correctly based on the information you entered. After further review, our decision to deny the claim remains unchanged. You will need to work with the other bank who received the funds to resolve the matter. The claim was closed in XX/XX/2023 and is not eligible for reassertion since it has been more than 90 days and too much time has passed. The agreement between us is that You agree that you, not we or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using the service. You can learn more in the Digital Service Agreement and in the XXXX Service Agreement. You accepted the agreement when you enrolled in the service. You can see the current agreement by signing into your account at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as 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 non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: VA

Complaint narrative:
I requested a 1099-c from system services technology over a year ago on an account that has been charged off and they have received tax credit for the acc I never received anything from them they never responded and this is my fourth time requesting this information so that I can be in compliance with the IRS and they want send me one.inclides is a copy of the Ira form I filed and a copy of my letter requesting my 1099-c for the XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
Formally disputing the recent reinsertion of an account, specifically an XXXX XXXX account numbered XXXX, in my credit report with EQUIFAX XXXX This account was previously deleted following my dispute in XXXX, which I initiated due to inaccuracies and lack of verification. 

The Fair Credit Reporting Act ( FCRA ), under Section 611 ( a ) ( 5 ) ( B ), mandates that if any information that has been deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer within 5 business days and despite this requirement, I have not received any notification of this account 's reinsertion from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NE

Complaint narrative:
Attn : XXXX XXXX XXXX  To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT TYPE : CHARGE OFF Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated

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 2024-07-24 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: NE

Complaint narrative:
Attn XXXX XXXX XXXX XXXX To It May Concern, I am disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT TYPE : CHARGE OFF Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V Section 61 1, Subsection A-I ) , please provide names and business addresses or each individual with whom you verified the above, so that I may Follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections Your cooperation prompt attention is greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8

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