vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC
State: MS

Complaint narrative:
I have been paying on my loans for over a year now. Although I refinanced more than once it some as if my loan amount hasn't decreased. My interest rate is XXXX plus percent and seem like I will never be able to pay off this loan. XXXX is being charged on my account bi weekly but still I am not seeing any results of the loan amount decreasing. Major the payment is going towards the interest not the principal. After 2 years of payment it says I only paid XXXX of my loan. The interest rate has also increased over time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
15 USC 1681 Section 604 States rights to consumer privacy Reporting agencies can not furnish a 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 non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 USC 1681 Section 604 States rights to consumer privacy Reporting agencies can not furnish a account without my written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL

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 2023-10-19 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:
See letters attached delete fraudulent accounts, inquiries and fix late payment reporting errors on the XXXX  XXXX 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 2023-10-19 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: NJ

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
I am a XXXX XXXX who was in the United States for the summer season and created an account with Regions Bank in XXXX XXXX in XXXX. Which I always use without any problem. But days before leaving XXXX XXXX, the banker recommended that I update my personal information and add the social security number ( The account was opened without the SSN ). As I needed to leave everything without problems with my bank account to return to my country, I accessed and updated the information. 

A month later, my debit card stopped working and I found out that the bank had sent a request to corroborate more of my personal information but I was never notified and by not sending the information the bank unilaterally closed my account. Sending the funds that were in it in a check to a registered address in which I no longer resided, since I am in my XXXX XXXX XXXX. So I am without any of my money and the bank does not want to provide me with any type of solution, much less support considering the condition I am in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for at least a couple of years since the process is very slow.

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 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a concerning experience that I have had with my account. I am a customer of XXXX XXXX and XXXX XXXX, with Loan # XXXX. Unfortunately, due to a financial hardship, I fell behind on my account. 

During my attempts to resolve this issue, I discovered that my account had been transferred to SST ( XXXX ). In an effort to rectify the situation, I called the provided contact number, XXXX, and provided my personal information as requested. Disappointingly, I was informed that none of my information was present in their system. 

Seeking clarification, I called SST once again, only to be informed by a representative named XXXX that there were no phone numbers associated with my account. I expressed my concern about a possible scam and requested to speak with a manager. To my dismay, I was placed on hold for over 1 hour and 21 minutes without any resolution. 

In light of these difficulties, I am now requesting the immediate assistance of a supervisor/manager to address this matter. I believe it is crucial for someone to contact me promptly. 

Also, this account was a XXXX XXXX XXXX  and this allowed some of my monthly payment to placed in a savings. The total amount in the savings was {$1000.00} and per loan agreement the remaining balance was approximately {$450.00} would be paid off by the savings account and I would receive the difference. 

I have yet received a difference. 

I greatly appreciate your attention to this matter and I hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Subject : Request for Resending 1099 for Charged-Off Credit Card Account Dear Chase Bank Credit Card Services , I am writing to address an issue with my charged-off credit card account. To date, I have not received a 1099 document related to this account. I require this 1099 form for the purpose of correcting discrepancies on my credit report, as it is crucial for my financial records and credit history.

I kindly request that you resend the 1099 document for my charged-off credit card account to the following address : [ Your Mailing Address ]. I would appreciate prompt action in this matter to ensure I have the necessary documentation for credit report rectification.

If you have any further questions or require additional information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter, and I look forward to receiving the 1099 document at your earliest convenience. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I dont remember the dates, but roughly XXXX. I had a checking and savings account and was charged fees. Also, a checking account that was opened without my knowing.

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 2023-10-19 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:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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:
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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
On XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I want to know what options do we have for cancellation of this debt. On the federal side they have been beyond accommodating to help with the repayment process and with the cancellation process. However, on the private side they are very little options for payment deferrals and no options for debt cancellation. I took out an initial loan of {$3500.00} and made consistent payment on the loan and right now I owe {$8700.00} and Ive been charged over $ XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
Since XX/XX/XXXX  I have sent my first inquiry to bankmobile that I can not login to my account due to not knowing my password. It is now XX/XX/XXXX   and i have not been able to recieve my funds from financial aid. They will not create a new account for me, send me a check or allow me to recieve my funds through my existing bank account or update my profile information that I have confirmed by phone with a customer service representative. Bankmobile said they are not able to update my information until i send them a completed CAVID form which consists of name and address change which is irrelevant to me and my problem. I still have the same name and address the form also wants me to send a identification document so i sent 2 print outs of my ID and the updated email and phone number and informed them of my new existing bank account i have access to. The form and documents were to be mailed out to a po box which i felt was weird. Bankmobile at XXXX XXXX XXXX called me at my updated phone number just to tell me they arent able to update my information till i send them a clear picture of my ID to be able to update my information which is suspended for too many failed password attempts.I will foward you the email from me and bankmobile. I am very unhappy and do not understand why they cant just email a new password set up link to my phone number or email that i can access, I took a student loan out this year because of my living situation and i am in very much need of this money that i shouldve got in XXXX i dont believe my college should partner with this third party bank for our financial service.

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 2023-10-19 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: OH

Complaint narrative:
My credit score from Experian dropped from XXXX in XX/XX/2023 to XXXX in XX/XX/2023 due to identity theft. I submitted a police report in XXXX XXXX  to different credit bureaus, making it clear that the person named XXXX XXXX, who had a collection from XXXX by XXXX, used my SSN illegally and had nothing to do with me. 

In XX/XX/2023, Experian, however, added XXXX XXXX and another name XXXX to my credit report, making my credit score decreasing by XXXX points a month. When I reported the problem and the two names were cancelled thereby on XX/XX/2023, Experian refused to correct my credit score due to this identity theft, when a Chase banker confirmed that no other factor should influence my credit score in a negative way, because I paid rent, XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX card in full and on time.

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 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S.C 1666B States : 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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, After finding out that our bills were perpaid and reading about consumer law. I decided to apply what I learned and sent it over by certified mail to Capital One Auto finance. The UNITED STATES has been in bankruptcy since XXXX and as part of the XXXX XXXX. There isnt any money in circulation. Once the gold / silver was taken out of circulation. Theres only XXXX currency. You cant pay debt with a debt instrument. The bank never put up anything of equal value. I own the promissory note.. I asked for the company to send me a wet copy of the contract signed between both parties. The company has issued an illegal repossession of my personal property ( my XXXX XXXX XXXX ). I explained to the company it would be illegal for them to send a third party out to steal my personal property. I provided them with this code. 15 US code s-1692f ( unfair practice ) for giving my personal information information to a third party without my consent. The remedy for this issue is simple. Since theres no money in circulation, all bills are prepaid and theyve already been paid 9 x over from my promissory note that has been on the stock market. This contact is null and void and to send me the title of ownership for my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

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 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
15 U.S.C 1666B States : 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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation