vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank responses to my request of other fees on my Mortgage statement ( {$20000.00} ) has not been met from the two previous complaints filed with CFBP. 
Specifically, Amount paid to XXXX XXXX XXXX during the scheduled foreclosure sales of XXXX  and XXXX are not reconciled with the itemized bill from XXXX XXXX XXXX XXXX XXXX. ( See attached documents from the Sheriff 's office ). 
The itemized bills are as follows : In XXXX PNC paid to the Sheriff $ XXXX XXXX  PNC paid {$230.00} and in XXXX PNC paid {$2500.00} for a total of {$5800.00}. 
PNC claims {$9300.00} on their invoice as amount paid to XXXX XXXX XXXX. ( see attached invoice from PNC. 
There is a discrepancy between the two invoices from the Sheriff and PNC.Therefore, PNC must be accountable for the difference of {$3400.00} and have them reduce the fees on my Mortgage statement by this amount pending further investigation into the fees.Include, but not limited to appraisals, attorney fees, foreclosure fees etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They are reporting to all 3 credit bureau a balance and account open status and this is a collection and it should not be reporting like this on collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Charged for a purchase I did not make. Credit card issuer has been ZERO help. Still getting notifications to pay back money I did not spend.

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 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
They would also call my old number XXXX would get phone calls from random local number. They did this to trick me into answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
Subject : Verification of Charge-Off and 1099-C for acount # Dear AspireXXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number [ Your Account Number ]. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. 

Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question.

2. Details regarding the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. 

If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. 

If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 

Thank you for your cooperation in providing the necessary documentation for this verification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

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 2023-12-29 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: PR

Complaint narrative:
Reporting on Transunion one account that does not belong to me and 3 inquiries the name of the account is XXXX XXXX XXXX XXXXXXXX The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-29 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TransferWise Ltd
State: NY

Complaint narrative:
I was checking my credit score on an application when I saw that it said my social security number has been compromised that someone has a driver 's license number with my full-name and an address I do not own a car or gotten my driver license. I am afraid of it affecting my credit score more and afraid of now opening bank accounts and having them compromised. Is there anything I can do it prevents from myself getting affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I made a XXXX XXXX withdrawal at the XXXX XXXX machine in the bank. There were XXXX ladies and a man in the XXXX XXXX area. The machine said, " Can not continue, '' the man said, " Just hit continue and you will be able to do your transaction. '' I hit continue and withdrew the cash. XXXX of the ladies said, " You dropped a {$20.00}. '' And handed it to me. I left the bank and the XXXX ladies followed me, XXXX of the ladies was saying that the {$20.00} was hers after all so I gave her the {$20.00} and left. Less than an hour later we went to get gas but I didn't have my debit card so we went back to the bank to see if it was left there. The banker I saw looked up my account and saw that there were XXXX XXXX purchases with cashback, another at an XXXX with cashback, and {$700.00} in cash taken from an ATM and they somehow through my debit card {$200.00} was also taken from my wifes account. There were XXXX claims opened at the bank, XXXX for the {$700.00} cash station withdrawal, another for the grocery stores, and XXXX for the {$200.00} taken from my wife 's account. On XX/XX/XXXX the bank reimbursed my account for the grocery store purchases and on XX/XX/XXXX they reimbursed the {$200.00} to my wifes account. Today, withoout any notice they took away the reimbursed groccery store purchases. ( We also filed a police report with the XXXX XXXX Police and brought it to the bank where it was faxed to the claims deartment ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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: Nelnet, Inc.
State: MO

Complaint narrative:
I have several federal loans managed by Nelnet. During XXXX of XXXX, I applied for an XXXX plan, REPAYE. It was approved by XXXX of XXXX. In XX/XX/XXXX, I applied for the XXXX plan, and sent Nelnet subsequent information on XX/XX/XXXX. The XXXX application has been processing ever since, being continually delayed. In the meantime, loans have been moved to several different repayment plans without an obvious reason, resulting in extensive increases in the total balance due to high interest rates. I have attempted to contact Nelnet several times in recent months. At one point, the customer service chat and email service was disconnected, meaning that calling was the only way to contact them. With a wait-time of up to 7 hours each time I called, I was unable to reach an employee. As of XX/XX/XXXX, I am unaware of the status of my loans, other than that the interest continues to rise, despite qualifying for the XXXX repayment plan via the federal student loan management website. Some information on the website is contradictory, specifically repayment due dates and dues. Please see attached screenshots for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via XXXX and Transunion. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: VA

Complaint narrative:
I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via XXXX and XXXX. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: VA

Complaint narrative:
I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via Experian and XXXX. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
WROTE letter to opt out ( XXXXXXXX XXXX XXXX XXXX ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( XXXX XXXX XXXX ) which is a violation XXXX $ each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud

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 2023-12-29 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: KY

Complaint narrative:
WROTE letter to opt out ( XXXXXXXX XXXX XXXX XXXX ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( AN PROMO INQUIRES ) which is a violation XXXXXXXX XXXX each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I have never asked for services from global solutions. I find mail in the mailbox on the old address and the company that I mentioned before is trying to collect over XXXX  $ for services that I have never asked or received!

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I was assigned Aidvantage as my student loan servicer over a year ago while the federal government put a pause of federal student loan interest and repayment during the XXXX pandemic. I initially completed an application for the XXXX XXXX plan in late XX/XX/XXXX. After not hearing back from Aidvantage I called them in early XX/XX/XXXX and was told by a representative that my initial application was incomplete and was instructed to submit a second application for the XXXX XXXX. I submitted this second application and after not hearing back from Aidvantage for a while I logged onto my Aidvantage account and noticed my loans were on administrative forbearance. I called Aidvantage in early XX/XX/XXXX and was told that my loans were on administrative forbearance because there was a duplicate application in the system. I explained why there were XXXX applications and was told the problem would be resolved. On XX/XX/XXXX I was approved for the XXXX plan and on XX/XX/XXXX made my first monthly payment of {$340.00}. However, on XX/XX/XXXX I logged onto my online Aidvantage account and it said my loan was once again on administrative forbearance. I called Aidvantage and the representative once again told me this is because there are XXXX applications in their system. I explained this was previously an issue that was supposed to be resolved and they said they would delete the duplicate application. I checked my online account later that day and it looked like the issue was resolved and my next payment was going to be due in XX/XX/XXXX. However, I logged onto my online Aidvantage account today and once again it says my loan is on administrative forbearance. I tried calling Aidvantage but after being on hold for XXXX minutes the call goes to voicemail. It seems every time I speak to a representative at Aidvantage I am told different information and the issue is never resolved. I already submitted XXXX complaints to studentaid.gov but all I received was generic responses and am not hopeful this problem will ever be resolved. In my complaint to studentaid.gov I asked for my loan servicer to be changed to XXXX which my wife ( who also has federal student loans from medical school and is on the XXXX XXXX ) has as a servicer and she has had no issues at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Procollect Services LLC
State: ND

Complaint narrative:
Ive been trying to work with them on payment s offering what i can pay numerous times they declined and said i have to pay what they want and theyve caused me to go negative not be able to go to work due to not having money for gas or rent or any of my bills. I have no idea what this debt is and they refuse to tell me

Company response to consumer: Closed with explanation