vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On or around XXXX my vehicle was stolen by XXXX XXXX XXXX please see police report number as reference to this complaint in attachment on around XXXX XXXX exter finance recovered the vechicle in mistakely reported the vechicle as repossed when In fact stolen from XXXX by XXXX XXXX this inaccurency is affecting my score tremendously to the point that I have been denied for a mortage I would like to add that Exter Finace even granted me extention be fore the vechicle wa recoverd my lender in I tried several times to get Exter Finance to remove this inaccuracy from my report in thier refusal proves this is in clear volation of the fair credit reporting act 15 U.S code 1681 ( 2 ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent notice to Experian in regards to wanting to move forward with arbitration. Due to the negligence and mishandling of the investigations that were completed. Several inaccuracies are reporting in my Consumer Report which need to be deleted. Furthermore since the time given has elapsed and my request for arbitration has been ignored. I want to proceed in a criminal & civil investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Pay on the bill monthly, with interest at XXXX percent, most of the money is been applied to interest. For example monthly amount of bill is {$490.00} and {$360.00} goes to interest and only {$130.00} went to principal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Starting receiving letter about debt, credit cards, and transactions on my bank accounts of fraudulent activities. i called banks of American express, XXXXXXXX XXXX and XXXX XXXX Reported to them about my situation and yet nothing has happen. i have not received new cards, accounts did not close, and they never fixed my disputed problems. i notice most the problems on XX/XX/2024. only company able to help me and respond was XXXX. there are names i am unfamiliar with that show up on my accounts varies of time. i have no associate to those companies or names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I requested validation of account being reported to the credit bureaus by Resurgent Capital Services which is a debt buyer. The account is being reported as a collection however, I do not remember ever receiving any information regarding this account. I requested a full accounting of the account including a breakdown of the transactions dating back to the origination of the debt, a copy of the assignment or purchase agreement that shows that Resurgent Capital Services is legally allowed to collect on behalf of XXXX XXXXXXXX XXXX a complete chain of assignment from the original creditor and clear proof that Resurgent Capital Services owns the debt and was a party to the original contract with the creditor and is licensed and bonded to collect debts in my state. I received a letter in XXXX dated XX/XX/XXXX with Resurgent 's response saying there wasn't an issue with the way the account was being reported. The also sent a copy of an abstract of judgment. 

I firmly believe my rights as a consumer is being violated and the reasons are as follows : 1 ) The address on the paperwork sent to me from Resurgent Capital Services shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I have never resided at this address and therefore, I was never properly notified of a lawsuit or had the ability to defend myself about these false debt allegations. 

2 ) According to the paperwork, the judgment was entered on XX/XX/XXXX however, I have lived in XXXX  and not resided in the state of XXXX XXXX XX/XX/XXXX. Again, there is no way I was notified of a lawsuit or given an opportunity to answer it. 

3 ) The account is being reported to the credit bureaus by Resurgent/LVNV Funding however, the information was Abstract of Judgement was provided by XXXX XXXX XXXX XXXX XXXX. Who is this company? What is their connection with Resurgent Capital Services and XXXX XXXX Bank? 

4 ) The account number on the letter received from Resurgent Capital Services does not match the account number being reported to the credit bureaus. Just based on this information alone, there is no way Resurgent Capital Services or LVNV Funding can honestly say this account is being reported with 100 % accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have just started tracking my credit score, and I have not opened any credit cards besides a XXXX XXXX XXXX XXXX XXXX when I turnex XXXX, which I am working on closing the account when that card went missing. I believe it was XXXX credit lines opened I have no knowledge of. XXXX XXXXXXXX, XXXX and a Capital One Card. I have a car payment and other bills, but I have not applied for any other credit lines. I am looking to get a house in the next year, and I was shocked to see such a poor line of credit I had no knowledge of. I had previously had my Social Security number stolen, I went to my bank immediately to resolve it. This was over a year ago, matching when these lines of credit showed up on my report. I have been in the process of moving, I have not taken the time to contact each company as I figured I could inquire about the main issue, I believe my Social has been compromised again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX ProCollect called my mobile while I was in the waiting room of a hospital for my mother. PC asserted a debt of {$4100.00}. Did not describe the debt other than to identify the creditor as XXXX XXXX XXXX XXXX. I asked for more information, but PC would only demand that I make payment, and threatened consequences. I ended call saying not to call me again, and to send any communication in writing. 
First week of XX/XX/XXXX Credit bureaus report that my credit score was dropping substantially because of a collections report. No additional information in the credit report beyond PC name and XXXX XXXX XXXX XXXX. I disputed with the two bureaus that would allow dispute, but they denied dispute. XXXX would not allow dispute without more information, but no such information had been disclosed in PC demand or any credit report about the collections claim. 
XX/XX/XXXX PC sent letter, addressed to XXXX XXXX, asserting same claim with no additional information. I received letter around XXXX. I responded with a letter XX/XX/XXXX demanding documentation that supports PC 's belief that I owe debt. 
XX/XX/XXXX letter from PC, received XX/XX/XXXX. Provided hilariously inadequate documentation of debt. If it was in fact evidence of some debt, it was against one of two other people, who live 3000 miles away from me. We only shared a first name in common. I replied with the attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
At XXXX XXXX, XXXX, I opened a credit card account with Synchrony Bank, as they had the two years interest free promotion. 
I thought the due day was XXXX, I scheduled the payment every month at XXXX. 
At XXXX, XXXX, I checked my online balance and found out that I was charged late fee and interest almost every month. 
At XXXX XXXX, XXXX, I called the company, complained that why they gave me a wrong due date in the beginning and why they did not notice me the late fee for almost 2 years. but they denied any wrong doing. 
Two year interest free promotion is just a hook, they tricked you with wrong due date and secretly charged you late fee and interest. I had never received any bank statement for two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management continues to try and collect a debt that the original creditor is also trying to collect. On or about XX/XX/2024 they continue to change the balance due on the collection account by {$1.00}. I have disputed these accounts for inaccuracy, and they continue to report negative information to my credit report that is inaccurate. They can not validate or verify the debt that they say that I owe to them. I do not owe Midland Credit Management anything. There is NO contract or agreement bearing my signature with their company. They are reporting 3 separate collection accounts on my credit reports, and refuse to remove them or show proof of my signature. They are reporting the accounts as OPEN, and per FCRA a collection account is not considered open, and the balance should not continue to change. I have proof where they have also done soft inquiry pulls on my credit report dozens of times that are not authorized by me. I am seeking legal action against them for these violations if they do not remove the accounts they have listed on my credit report. ALL of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: GA

Complaint narrative:
I am writing to complain unauthorized inquiries on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize or recognize. These inquiries came forth despite a fraud alert place by the reporting agency Experian with my contact information, all of which was not recognized despite their own policies. I request that these inquiries be removed immediately according to the FCRA sec 604 ( f ) and lack of permissible purpose. The unauthorized inquiries are listed in full detail in the attached supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove inaccurate unauthorized, unverified collection reporting on my credit report. 

XXXX XXXX XXXX Balance : {$8600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I have been told different amounts of what my pay off has been. When I called to make a payment around XX/XX/XXXX, I was told my payment would be approximately {$230.00}. I agreed to this payment but when I checked my bank statement {$270.00} was deducted. I called and asked for records of my full payment history but was told this could not be provided to me unless it is for business purposes such as gap insurance. The company does not have an online portal or mobile app. I would like to see records that show what my payments have been to date but it seems I am not allowed to have access to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: NC

Complaint narrative:
I am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Reported, and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. 

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Formal Complaint Regarding Unfair Practices and Late Payments on Credit Report Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Dates reporting LATE PAYMENT XX/XX/XXXX., XX/XX/XXXX I am writing to file a formal complaint against Bank of America regarding what I believe to be unfair and questionable practices that have negatively impacted my credit report. 

Recently, I discovered XXXX late payments on my credit report related to a credit card with Bank of America. This situation arose due to the imposition of an annual fee without proper notification, leading to unexpected charges and subsequent late payments. It is important to note that I have a credit card with Bank of America that I rarely use and has never incurred any fees in the past. 

This is the XXXX  time such an incident has occurred, and I find it deeply concerning that Bank of America implemented a yearly fee without providing me with adequate notice. This lack of transparency and failure to inform me of changes to my account resulted in unexpected charges and, subsequently, late payments being reported on my credit history. 

I believe this practice is not only unfair but also raises questions about the ethical standards employed by Bank of America. I am seeking your assistance in holding them accountable for their actions and rectifying the negative impact on my credit report. 

I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are protected from such unjust practices. Your intervention is crucial to maintaining fairness and transparency in the financial industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Hello, I made multiple attempts to change my student loan payment. As it sits the payment is too high right now. I tried contacting the company several times. I sat on the phone for over 2 hours trying to speak with someone in XXXX and the assured me the new payment was being processed and it would be ready in 10 days. Here it is almost XXXX and they've done nothing. Tried contacting the company by email and they said they wouldn't respond for 30 days. 

This company is a ridiculous waste of taxpayer money. They make it impossible to pay back for people who want to pay back their loans, it's impossible to get anyone speak to anyone at the company. Where is the oversize? How can our government allow companies they hire to treat citizens in this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: NC

Complaint narrative:
I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. 

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
I switched with someone else and had coverage at the time due to XXXX having ridiculous prices. I tried cancelling but XXXX refused to work with me I do not owe the XXXX they say I do. If I need to file a law suit I will be getting my attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, the mortgage company Mr. Cooper serviced a VA mortgage I held jointly with my spouse. Despite repeated assurances from the company that all diligent measures would be taken to protect our sensitive personal financial information, Mr. Cooper retained this information after the loan was transferred and paid off. As a consequence of the firms retention of our sensitive data and further failures to maintain requisite systems security our names, addresses, social security numbers, and personally identifying details were leaked to an undisclosed third party. 

Time and time again, financial firms negligent handling of consumer data in conjunction with a lack of basic information systems security results in data breaches. Without any accountability or penalties there is no incentive for adequate investment in security. Rather, costs saved by not implementing these basic measures fatten bottom lines while exposing consumers to immense risk and potential harm. It is incumbent upon the CFPB, FTC and other agencies to increase enforcement until the costs of a data breach become incentive to properly safeguard this sensitive information. 

It is also essential that notice of past breaches be made centrally available to inform consumers. This information would go a long way toward guiding consumers to firms that are capable and careful with their data as the paltry offers of credit monitoring are insufficient to redress the harm caused by this negligence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation