vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have supplied the company with the appropriate documents and they have not responded within 30days.

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 2023-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I was on a graduated repayment plan and they raised it to XXXX dollars a month after the plan was over. I cant afford this and have worked with them for months on getting this resolved so I can even pay XXXX or XXXX a month. They do not care and are acting like I dont matter. They make snide comments and are really threatening me with credit issues because of this. They do not want to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sw 715,719 i presum that no proof of the alleged debt nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBK, Inc.
State: CO

Complaint narrative:
I received a collection notice for an amount of {$630.00} from CBK ( http : //cbofks.com/ ) date XX/XX/XXXX. I spoke with them and was informed this was submitted by the creditor XXXX XXXX XXXX XXXX. They did not want to undertake any action when I informed them they sent this to the wrong person. They also had no other information they could provide other than a date of birth and the creditor name. 

In order to get more information, I spoke with the XXXXXXXX XXXX XXXXXXXX XXXX and was informed this debt was because of an unpaid ticket for running a red-light and driving without a license in XXXX, Kansas in XXXX. 

However, this debt is for a person with a similar name to mine. The only difference is they have a middle name, and I do not. When XXXX XXXX  XXXX involved CBK to collect this debt they sent the full name and date of birth for this person. And CBK decided that this person is me and sent a collection letter to my address. 

I have no middle name, I have never had a middle name, and I have never gone by any other name. All of my official government issued documents ( Passport, Driver 's License, Birth Certificate, Vehicle Registration, etc ) do not have a middle name. 

Furthermore, I have never been to Liberal, Kansas, I have never lived in Liberal, Kansas, or any other place in Kansas. I have never even passed through, or set foot inside of Kansas. 

This debt collection was mistakenly to the wrong person, solely based on the fact that we have a similar name, and the same birthday. CBK did not undergo their due diligence when sending the debt collection letter to my address.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXXXXXX XXXX Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXXXXXX XXXX XXXX Account Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: RI

Complaint narrative:
I received a bill via mail from Holloway Credit Solutions for XXXX XXXX XXXXXXXX XXXX XXXX  for {$1500.00} for services on XX/XX/2022. 

I've never heard of XXXX XXXX, let alone take online classes there. It seems like it's a case of identity theft. Im afraid to call this debt collector because I feel like I will be harassed to pay something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I applied for a Chase Sapphire Preferred Visa account on or around XXXX with a reference number of Reference Number : XXXX. 

The denial letter I received electronically from JP Morgan Chase Bank advised my XXXX credit file was used to make the denial decision. 

On XXXX I noticed JP Morgan Chase had also inquired on my XXXX credit file. The disclosure that XXXX was utilized in the denial decision was not disclosed in the denial letter I received. JP Morgan Chase also stated that per XXXX I had opened too many credit accounts recently. XXXX stated that the last account opened was XXXX of XXXX JP Morgan Chase advised that they can not discuss my application in detail due to an incorrect phone number on a security alert per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-05-02 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: VA

Complaint narrative:
To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-02 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: VA

Complaint narrative:
To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had booked a flight ticket using JP Morgan and Chase credit card. 
The booking was done using their ticket booking service ( Chase Ultimate Rewards program ) and was done in the month of XXXX, XXXX for a flight in the first week of XXXX ( XX/XX/XXXX ). 

During the booking I requested multiple time that the ticket be refundable. I was promised that it was so. The ticket was booked for 2 adults and a lap infant. 

On XXXX ( XXXX ), XXXX I called the bookings line at Chase to cancel the ticket for 1 adult and the infant. During the cancellation there there was confusion regarding if the ticket was refundable or not. The booking agent for Chase then checked the voice recording from XXXX and confirmed that while the ticket said one thing that I had paid for refundable tickets and had requested a refundable ticket multiple times in the conversation. A request for email confirmation of this was denied on the basis that their system does not allow them to send an email containing this data to the customer. The agent then promised that I will be refunded my money in 1-2 billing cycles. 

I called booking agency of chase in XXXX ( XX/XX/XXXX ) to check up on this issue after 1 billing cycle and their agent gave me a specific date ( XXXX ) by which I should be receiving my refund. All this while there was no question on the refundable nature of the ticket as they could see in their notes clearly the previous checks done. 

When I did not receive my money by the said date, I called the booking agency of chase again on XXXX XXXX, only to be surprised with a different story, where they claimed that the previous agent had made a mistake in refunding a non-refundable ticket and that they have to go check again ie : Repeat the process done in XXXX. 

When I countered with how they can claim error when they were going to repeat the same process and the fact it will take another 1-2 billing cycles to get my money back they simply kept repeating that they will not honor the checks from their previous agents as they consider her wrong while suggesting that they will repeat the same process again. 
My questions on why the rejection of the claim was also not passed on to me was also met with attempts at distractions. 

I was then told that an internal ticket has been raised but I was not provided any closure date. I was simply told that it was a high priority. 

I am writing this complaint since I do not trust their process and since they do not share any of the voice recording or their notes from previous conversations to their agents hoping they will share details once this complaint is made. 

Amount in question to be refunded : {$690.00} and some change

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX XXXX XXXX  I put down separate deposits of {$750.00} for two properties with a leasing company called XXXX. I cancelled both deposits, the leasing company sent me two separate checks to refund my security deposits. I received the checks separately by mail. I cashed the first check for {$750.00} around the XXXX of XXXX and the second check on XX/XX/XXXX. Shortly after that I received a notification that my accounts would be closed and my funds frozen. 

I went directly to my local branch manager who was extremely helpful, I showed her the information from my leasing company indicating that both checks are refunds for security deposits. Unfortunately, the entire fraud department for Citi is located overseas and we stayed on the line for over an hour to no avail. I explained multiple times the reason for these refund checks but the fraud department refused to accept my reasoning. They insisted that only the leasing company can call and confirm that their checks are legitimate. I've spoken with my leasing company 's accounting department and provided them the number for Citi 's fraud department but they have never been able to get through to anyone. 

I've called multiple times and the fraud department is unwilling or to incompetent to connect the dots. They are unable to explain why the first check I cashed was fine but the second check for some reason was flagged. It has now been more 60 days that my money is inaccessible. I'm also unable to open an alternative account due to the XXXX  flag resulting from this unwarranted account blockage.

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 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The Navy Federal Credit Union fraud department told a third party about my accounts transactions and balances on XX/XX/2023. The banker accessed my account through another member 's account and gave vulnerable information regarding my account. The banker or from my understanding, the supervisor, told this third party member who isn't authorized on my account my recent transactions with my account and my savings limit which was connected to my credit card. The said person reached out to me and told me all these details on the phone conversation between the banker and them. When I spoke to someone at Navy Federal Credit Union about this matter, they couldn't find a recording under my account, until I told them to search when my account was accessed and by who, this is when they put me on hold and told me this was a legal issue and they aren't allowed to speak to me any further regarding the incident. Then the supervisor that I spoke to, tried to pretend that nothing was said on the call between their banker and third-party individual but when I asked him did he listen to the whole conversation? He said, " No, it was a long call and skipped throughout the call. '' That alerted me that this was privacy and consumer negligence on the Navy Federal Union 's behalf. The banker decided on their own will to release personal information regarding my account to someone that isn't listed on my account to receive any of those details. I want to see what are penalties for this matter with them. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a XXXX XXXX XXXX  for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the XXXX XXXX XXXX IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the XXXX XXXX for 6 months thats missing as well.it is a mess in my 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 2023-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is the loan servicer. I have repeatedly informed them of their daily multiple annoying calls using several different numbers. They have continued to call when the account is up to date and next payment is not due for a few weeks. I have asked them to communicate with me via email only and they stated I had to go their cease and desist procedure which is supposed to be on their website, however, I never found it. They call me all day a minimum of 6 or more times every day for a payment that is less than {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXX XXXX  '', and " XXXX XXXX '' on my Equifax consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortage/ Insurance : We have been dealing with an insurance situation our mortgage since XXXX of the present year, we have been incorrectly charge with a new escrow account placed it by United wholesale by mistake when we DONT NEED IT. 


After several emails and phone calls XXXX United wholesale never gave me answer On XXXX XXXX at XXXX AM I sent another email with evidences/ and copy attached to : XXXX, XXXX staying that We have not one BUT TWO FLOOD POLICIES : 1-Policy XXXX 2-Policy XXXX and the all state insurance policy that we have had since we bought our property. 


Since XXXX which we have sent several times this flood and the all state policies to the following email : XXXX they were never updated. 


On XX/XX/2023 I also FAX the mentioned policies to the fax number XXXX with not result or answer from you and still being overcharged. 



On Friday, XX/XX/2023 XXXX, XXXX XXXX XXXX without our authorization or any previous notice contact my ALL state agent requesting my invoices, an email reply was sent as follows : " Good morning XXXX and XXXX. 

XXXX : I am sending this to both, because XXXX is stating that she is NOT escrowed for condo insurance. Please contact her directly to clarify, her phone # is ( XXXX ) XXXX. She has been making all the monthly installments on her condo insurance '' XXXX NEVER Replied, and went ahead on XX/XX/XXXX Created an escrow account on my mortgage which increase my mortgage payment, WE NEVER HAD AN ESCROW ACCOUNT SINCE WE BOUGHT OUR HOUSE AND WE HAVE BEEN MAKING ALL OUR INSURANCE PAYMENTS SINCE THE BEGINNING. 


Please find attached all the prove of the several emails sent, the Fax sent on XX/XX/XXXX and also the mentioned flood policy Policy XXXX

Company response to consumer: Closed with explanation