vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I received a letter from Consumer Portfolio stating they were willing to settle the debt for half of what they stated the balance was. If this is possible, why are they still reporting the entire balance of {$15000.00}. The letter stated I owed them {$8000.00}. The vehicle was paid on time for 3 years. Once I voluntarily surrendered it, they started reporting it late and waited 3 months to pick it up. I had a previous debt with XXXX which they stated I owed {$7000.00}, which they agreed to settle for {$700.00}. If one company can agree to take such a reduced offer, I am sure they all can. I know these companies rip off consumers with these high interest rates. After 3 years of paying {$680.00} a month, the money had paid for vehicle twice. These companies have insurance as well which pays them for default. This is why our Country is the dire shape it is in because of Corporate greed. Please help fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: CA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SALLIE MAE XX/XX/ Balance : {$36000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX  ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As XXXX  is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS 5_CFPB Response XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and Equifax and XXXX is 3-5 points lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Last 4 of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX allegedly opened XX/XX/XXXX Credit Bureau Names XXXX and Experian To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, incomplete inconsistent, noncompliant, and false information about me. I have sent in letters asking for validation and verification of the debt how the debt was verified and validate what supporting documentation was supplied to validate and verify the debt who verified and validate the debt and nothing was supplied by XXXX or Experian WHICH VIOLATES 15 USC 1681 FCRA REQUIREMENTS. The following alleged account is listed as a collection with a PAST DUE BALANCE of XXXX balance owe XXXX as if XX/XX/XXXX with Experian and XXXX past balance XXXX with a balance of XXXX XXXX XXXX ALLEGEDLY OPENED XX/XX/XXXX. This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX  COMPLIANCE regulations, I have the right to a fair consistent, complete and accurate credit report, and you are required to remove any information that is not true, accurate, consistent complete compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an proper investigation on this account and the laws it violated.There is also false inaccurate, incomplete and Inconsistent payment history balances past due balances both account which is also in violation of 15 usc 1681 and Metro 2 compliance regulations have been updated by creditor XX/XX/XXXX please see supporting documentations

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and XXXX and Transunion is 3-5 points lower.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My credit report is showing that my CC is closed. My credit card isnt closed and is open and active. This is impacting my available balance and has caused my credit to drop. I called the bank and they said my account is open, active and not closed so the report is wrong and my overall balance decreased by 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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX  Date of inquiry:XXXX XXXX Date of inquiry:XXXX XXXX  Date of inquiry:XXXX SYNCB Date of inquiry: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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX Date of XXXX BRCLYSBANKDE Date of XXXX XXXX  Date of 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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After sending money to an online seller with my debit card ( they used XXXX XXXX to collect my payment ), the seller did not ship the item and took down their website. 

With no way to contact the seller, I attempted to cancel the transaction with XXXX XXXX. XXXX XXXX was not responsive in a timely manner. 

After five days of purchase, I contacted Chase Bank to report the fraudulent transaction. 
Chase bank did a chargeback while they investigated. 

More than a month later Chase reversed the chargeback without giving me notice. 
After calling Chase, I was told that I had an agreement with Affirm to pay the money and since I financed ( used a debit card ) Chase does not protect me. 

Chase advised that I take the matter up with XXXX even though I received nothing for my payment. Bottom line is that Chase did not protect me from the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2022, I deposited {$30000.00} into a high-yield CD with Marcus ( Goldman Sachs Bank ) . On XX/XX/2022 I deposited {$10000.00} into a savings account with Marcus as well. On XX/XX/2022 XXXX XXXX closed ' both accounts without providing me a reason and never transferred the deposited funds and interest earned back to me. The two accounts show a XXXX  balance. I have called four times to speak with the deposit team and customer care team and no one can tell me where my funds are. I opened a customer care case number ( XXXX ), but every time I call to get a status, the person indicates they can not help me and someone will call me back within two to three business days. No one ever calls me back. I have spoken with two supervisors in the last month XXXX and XXXX and neither one has been able to tell me where my originally deposited funds are at. I am extremely concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
cooper bank is showing inaccurate reporting information on my credit report. they state that iam 60 days and or 2 payments late in my three credit reports, XXXX XXXX and XXXX accounts. This is incorrect. I have spoken to a representative XXXX XXXX who has stated that this issue was going to investigated and resolved. However The credit bureaus are reporting inaccurate information. My payments where kept in a suspense account and and not applied to my Morgage payment which is not correct and illegal. Secondly I had covid and was off of work and asked several times for help with this matter and no agents or supervisors helped me come with resolution. Third issue I inquired to get assistance with this matter and was told because I sent any email to the Mr. cooper MRC Research Unit email the representatives on the phone could not assist me. L if the payments were delayed why wasn't i offered a Covid program to help me or why wasn't I called to warn me about these lateness. I want these questions answered Mr. Cooper bank failed me and caused me Financial Hard ship and Pain and each agent and representative should be held accountable, with these inaccurate actions. when you are reading this " Place yourself in my shoes ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Upon validation, Netcredit updated it's information with XXXX, proving the data in their computer system has been unreliable, inaccurate, and incomplete for years. The very fact, they had to update with XXXX proves their data unreliable, incomplete and inaccurate. According to the Fair Debt Collections act, items either incomplete or inaccurate may not remain on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Last 4 of SSN XXXX XXXX XX/XX/XXXX XXXX XXXX allegedly opened XX/XX/XXXX Credit Bureau Names TransUnion and XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, incomplete inconsistent, noncompliant, and false information about me. I have sent in letters asking for validation and verification of the debt how the debt was verified and validate what supporting documentation was supplied to validate and verify the debt who verified and validate the debt and nothing was supplied by Transunion or XXXX WHICH VIOLATES 15 USC 1681 FCRA REQUIREMENTS. The following alleged account is listed as a collection with a PAST DUE BALANCE of XXXX balance owe XXXX as if XX/XX/XXXX with XXXX and Transunion past balance XXXX with a balance of XXXX Conns Appliances, ALLEGEDLY OPENED XX/XX/XXXX. This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair consistent, complete and accurate credit report, and you are required to remove any information that is not true, accurate, consistent complete compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an proper investigation on this account and the laws it violated.There is also false inaccurate, incomplete and Inconsistent payment history balances past due balances both account which is also in violation of 15 usc 1681 and Metro 2 compliance regulations have been updated by creditor XX/XX/XXXX please see supporting documentations

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I have contacted TransUnion in reference to inquiries on my report that I did not authorize and they were not properly investigated which is in violation of 15 usc 1681 FCRA RIGHTS AND REGULATIONS See attached documentation of the unauthorized inquiries

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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has told me they closed my account for depositing a third party check which is not true. I deposited a check to XXXX XXXX which is one of my registered dba that I had sent my fictitious business name statement to Wells Fargo when I First opened my account. This had caused me a lot of unnecessary problems for my organization.Please help me.

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