vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I was placed into administrative forebearance XXXX XXXX, and requested a refund for my payment made in XXXX of XXXX. This initial request was made XXXX XXXX via message as directed by automated prompt when I called. I waited the 60 days as stated, and when I did not receive my payment I called Mohela XXXX XXXX to check on the status. They had not processed it. They placed the request during the phone call, and I was told 30 days. Its now almost 60 days and I have yet to recieve the refund, initially requested 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 2024-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-12 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-12 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: FL

Complaint narrative:
Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three Expirian XXXX XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, 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 2024-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Statebridge Company
State: OH

Complaint narrative:
The loan in question was secured from a company in XXXX. This company XXXX XXXX XXXX XXXX, subsequently went out of business in XXXX. XXXX XXXX XXXX, which has become Statebridge Company, bought the debt from the original creditor and started sending payment notices in XXXX. The amount of the mortgage repayment is {$18000.00}. The original loan was around {$16000.00}. The current creditor has submitted to the common plea court of XXXX XXXX, for foreclosure on the property at XXXX XXXX XXXX in XXXX, Ohio. The judge dismissed the case and the company has since told me that they want me to repay the loan. I have requested to surrender the property to satisfy the debt, but the company has denied my request to do so. I have offered to short sell the property but this action has also been denied. I have denied their request to repay the loan since the original company that funded the loan went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
- Surreptitiously locking my account to prevent me from paying down my principal and making payments. 
- I called Lendumo to XXXX {$140.00} on my balance before XX/XX/XXXX, and the company declined - Arbitrarily adding {$30.00} more to my balance- I have used the same personal debit card to pay down my principal online on Lendumo, yet they keep making the same excuses that payment didn't go through or are in the queue for updates XX/XX/XXXX & XX/XX/XXXX. I suspect they do this just to rip me off. 
It beats my imagination that I want to pay off my loan balance, and it is increasingly difficult to do so because of how Lendumo conducts its business. Genuine people should not be allowed to face such business practices and barriers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my accounts. I have received in the form of a cashiers check some of my money, but a substantial amount is still missing ( {$10000.00} ) A BOA representative said that the IRS check I received and was deposited would be sent back to the IRS. Its been XXXX weeks on the IRS end they said they have not received the return and shows still deposited in my account. So I ask where is my money. I call the investigator working on my case numerous times to no response, not even a courtesy call back. I call BOA and they say we are unable to take your call at this time. I call every day at different times and same XXXX. Im so sick tired of this financial institution. Just giving me the run around. They are stealing my money by holding it hostage. I dont understand why they didnt just mail me ALL my money when they released the other funds in my checking and savings account. At one point they released the money into my account and then locked it back up. I shouldve ran with my money and left this bs bank. My XXXX self decided to stay loyal to them and now this. Do I need to involve the authorities or a lawyer? Please someone get back to me. This is a substantial amount of money. Im tired, XXXX, angry and stressed on how a bank steals from you. IRS dont have my money, they have no record of it being returned. I dont have my XXXX XXXX  so I ask where is my money??? Please please help in this dyer situation. Thank you 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 monetary relief
Consumer complaint received 2024-04-12 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-12 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: FL

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. 
Account name : XXXXXXXX XXXX XXXX  Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2024-04-12 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:
I been a victim of identity theft here are the two accounts that need to be removed. 

XXXX {$1500.00} date opened XXXX XXXXXXXX XXXX {$3300.00} date opened 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 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel law firm sued me for a very old debt that was apart of a class action lawsuit with XXXX. The debt was past the statute of limitations and I was not served or given proper notice that I was being sued. 

They have started to garnish my wages due to this illegally suing me for old debt and debt that was forgiven in a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-12 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: NY

Complaint narrative:
XXXX XXXX  ISSUED AN AUTO LOAN ON XXXX XXXX, FOR {$42000.00} WITH A FRAUDULENT ADDRESS, EMPLOYMENT, AND NAME. 
I FILED A COMPLAINT IN XX/XX/XXXX. 
I CONTINUED TO FILE A DISPUTE, BUT XXXX STILL HAS THE ACCOUNT IN DISPUTE AND UNDER INVESTIGATION. 
I SPOKE TO EXPERIAN YESTERDAY, AND THEY WILL OPEN AN INVESTIGATION. 
EXPERIAN REFUSES TO REMOVE THIS FRAUDULENT LOAN FROM MY CREDIT REPORT UNTIL XXXX. 

PLEASE HELP!!!

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has threatened and attempted to garnish my wages after I offered a settlement payment. They refused a settlement and refused to have this in sent to me in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-12 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-12 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
XXXXXXXX XXXX  emailed me about account i allegedly owe. I emailed them back and asked for verification of debt with original wet signatures. I mentioned if not provided in XXXX days it needs to be removed and reporting positively on my credit report. This was on XX/XX/2024 they responded on XX/XX/2024 and said they are looking into it. XXXX XXXX bought the debt that i did not agree to be sold. 

they violated my rights and privacy per the privacy act. XXXX XXXX  is not trying to collect on the account i allegedly owe. I asked true accord for that info stated above and they said they are no longer collecting on this account and gave it back to XXXX XXXX 

Time is up Please enforce! 
I even completed a 1099 to offer solution They also sent to dynamic recovery solutions LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XXXX received a text from bank about possible fraudulent charges on my debit card. 
I called my bank and discussed charges in question.One of the charges for {$9.00} to XXXX suspicious. The woman at the bank suggested I call XXXX customer service to see what the charge was for. I XXXX XXXX customer service and I found an XXXX website with a phone number. The phone number I called is XXXX. A man named XXXX XXXX answered the phone and said Thank you for calling XXXX, how can I help you? 
I explained I may have fraudulent charges on my debit card and one of them was to XXXX and I asked if he could help me see what the {$9.00} charge was for. I also mentioned my debit card was linked to PayPal and Venmo. XXXX told me he was a specialist for these apps and he was going to help me secure these accounts. XXXX told me to download a sharing app so he could get in to my PayPal and Venmo accounts and look for fraudulent charges. I downloaded the app and XXXX XXXX took control of my phone. I didnt question this because my companys IT department does this routinely and because I had called the XXXX customer service number to ask for assistance. XXXX told me I had multiple fraudulent charges showing on my PayPal account and some of these charges were in XXXX XXXX and in XXXX. He told me he was going to clear these charges from my account. XXXX XXXX told me he needed to get his managers approval to secure my account. He told me his managers name was XXXX XXXX XXXX and that he had to send some test dummy transactions to his manager to secure my account and make sure my account still works. XXXX XXXX did XXXX test dummy transactions- XXXX for {$1900.00} and XXXX for {$2900.00} both to XXXX XXXX XXXX XXXX He told me this wasnt actual money leaving my account only a test-no money would leave my bank account. He told me my account was secure and we hung up. I was still nervous about my debit card being compromised so I called my bank that night and cancelled my debit card. I removed my debit card and checking account from my PayPal account. 
When I realized money actually had left my checking account I submitted a case with PayPal and it was denied. I went to my bank on XX/XX/24 and explained what happened to the assistant bank manager. She was able to transfer my money back from the PayPal transactions because they were XXXX authorized charges. The bank manager told me to cal PayPal and explain what happened. I called PayPal and appealed my claim and it was denied for a second time. The case ID is XXXX XXXX 
Then I received an email from PayPal saying they have noticed I had been using my account in a questionable manner and to keep my account secure my access is limited. My pay pal account is showing $ XXXX At this point I had contacted life lock to get their assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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