vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAB, INC.
State: LA

Complaint narrative:
XXXX XXXX from RAB Inc contacted me demanding payment for a loan stating it had been transferred to his company but refused to provide the contractual details on the debt or send anything in writing proving his right to attempt to collect the debt. He also included an erroneous email address in an email communication to me about the debt without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It M

ay Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : 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 2024-01-04 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I pay my credit card off in full every month by automatically drafting from my checking account. Because of an issue with the software they ( Chase ) use - it was updating at the time of the draft- it did not properly draft on the XXXX of XXXX, the money was returned to my checking account. three days later they drafted again. For some reason the amount they drafted ( {$16000.00} ) was accounted for as a purchase. I can only assume this was due to them returning the payment. I am being charged for a credit card bill of {$29000.00} when it should be {$16000.00} less. What should be an easy issue to clarify appears to be something beyond the capabilities of whomever at Chase has reviewed this matter. I have spoken to 4 different customer service reps and 2 supervisors, spent hours on hold, and requested that someone who could analyze my situation call me. What I received was letter that read Im writing because you told us that you would like your credit card account reviewed to insure your credit card statements are correct. XXXX, we are happy to tell you that we reviewed your credit card statements at your request and found them to be correct. Im sorry for the delay in receiving a response. The letter was signed Card Services. No explanation, no person to refer to or make inquiries, no call, as was requested from the department that was to clarify this situation. As one who has been in customer service most of my professional life it is amazing to me that this company is able to operate and thrive with a complete and utter disregard for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: OH

Complaint narrative:
We started our application in XXXX of 2023 and were told it looked like mid to end of XXXX for a closing date. Sellers agreed to that time frame. As time drew closer we were told they needed more time. The seller agreed to XX/XX/XXXX with a written contract which we signed. By XXXX the mortgage company asked for more time. So we asked the seller for more time, they agreed to XX/XX/XXXX but said after that they were moving on to other buyers. The mortgage company did reach out to the seller and explain why things were dragging out to show that we as buyers were 100 % committed and not wasting the sellers time. Today is XX/XX/XXXX and the mortgage company has now told us XX/XX/XXXX is NOT an option and expect XXXX more days till this renovation department would have things done for us to purchase the home. So weve wasted all this time with a company that did not care about our end of things, upset the seller to move one with buyers ( which at this point I cant blame them ), and weve lost out on nice property that in the current market we will not find again for the foreseeable future. Our time and hopes were completely disregarded and now we are back to square one. I would never recommend this company despair their reviews online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I decided to check my credit report today. Only to find that I am being reported for late payments when I am on an Income based repayment plan. I have been on this plan for the last 12 months which they should not be reporting for late payments on my credit report due to late fees. I reached out to Navient today and spoke with a representative by the name of XXXX XXXX code # XXXX on XX/XX/XXXX. I spoke with her regarding this matter and I was told that I am on this plan until XX/XX/XXXX. I asked for what reason are they reporting late payments when I am on this plan.She then went on to state that it was because of late fees. I stated well that does not make sense. I also asked If I could request something in writing thats states this. She asked me to hold while she checks with the processing department. She came back to the line after 6 minutes stating that department was closed but she will put in the request for the information for me. I went to on to explain to her how that didn't make sense about being reported for late payments due to lates fees. I have done forbearances in the past or any kind of hardship assistance with my loans and they always report it as being in good standing to my credit report. I went on ton explain to her how I am already aware that I am on this plan until XX/XX/XXXX. Then after that I would then determine if I would like to apply for another Income based repayment loan or go with a forbearance. I can also go into my profile with NAVIENT and see that there are sums of XXXX balance due for each month while on this repayment plan. Please look into this matter I have already made a dispute with the credit bureau as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IN

Complaint narrative:
I had a XXXX month subscription to XXXX. The subscription was reasonable, I used XXXX to pay it. But I didn't have any luck. It's a terrible app. I Lost interest and let it lapse The next month I noticed a 400 % balloon payment on my XXXX account ( which was paid BTW ) and so I promptly put a stop payment on the account and deleted the account. A few months later I receive a phone call from a debt collections agency called XXXX telling me I owe them {$400.00}. I panicked, I flip out. I have a mortgage. I can't afford to pay that I'm already strapped because of the holidays. I'm just a XXXX XXXX XXXX XXXX I don't have a lot of money. I've worked hard for what I have and the credit rating that comes with it. I try to access the old account and I can't because it doesn't exist any longer. I send an email to support. They tell me it doesn't matter if I deleted it I didn't cancel the subscription. That they sent two emails ( That I never saw, Probably ended up in junk ) and now I owe them for services rendered. How can I receive said services with no account? This is a criminal operation preying on lonely people like myself and I refuse to allow them to extort me. My next step is small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: AZ

Complaint narrative:
As of XX/XX/XXXX, my student loans were paid off in full under the PSLF program. My lender at the time was Edfinancial and my loans were transferred several times to other servicers during the payofff process. Per my Federal Student Aid website, my loan balances are {$0.00}, however, as of XX/XX/XXXX, Edfinancial reported to XXXX that my loan balances remain. I disputed this with XXXX and provided the print out of my Federal Student Aid dashboard, indicating {$0.00} loan balances, because I attempted to contact Edfinancial on XX/XX/XXXX and they informed me they had not record of my account. So, id the loans were paid off and Edfinancial can not find my account. why are they reporting to XXXX that I have a loan balance on a new dispute opened XX/XX/XXXX? I am not debating my payment history, but the fact is that Edfinancial did not update all 3 credit reporting agencies of the loan payoff as required and still haven't. They have indicated they can not help me because they ' can not find my account '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my XXXX y request removed pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rigths y request removed pay XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed paXXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my XXXX y request removed pay XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rigths y request removed pay XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rigths y request removed pay XXXX XXXX XXXXXXXX XXXX 

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX Phone : XXXX REFERENCE : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY.

I BELIEVE I WAS DENIED DUE TO DISCRIMINATION AGAINST ME FOR BEING A ( XXXX ) XXXX XXXX XXXX WHO HAPPENS TO BE OF XXXX XXXX. 

BANK OF AMERICA IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT. 

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was offered a XXXX XXXX credit card and I specifically told them I did not want it. Somehow they opened one anyway. I did not get the card. That card was charged for purchases anyway. I called and paid my balance and did not know I was already charged interest. I have tried calling and keep getting different stories about the status of the account. Today my daughter was helping me. We called, I closed the account and paid the balance - which is all interest - even though I do not believe I should owe any balance as I did not want the card in the first place. I am now worried I have been reported late to the credit bureaus. I pay my bills on time and this has been a very distressing experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally obtained a copy of the credit report without my consent. They claim they got the authorization from another lender. I have not authorize directly or indirectly my credit report be pulled to Ally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Line Financial, PBC
State: MS

Complaint narrative:
Some time ago, I registered for LINE for a cash advance. They gave me {$20.00}. Since XXXX of XXXX, according to them, they have rebranded without my knowledge and continually charged my account until a charge put me in overdraft and got my attention in the last few days. I've asked for refund, been denied. This is predatory! I'm a XXXX woman living on social security! They saw that I have not used their service yet the continue to charge me for a year and a half for a {$20.00} advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
In 2019 I bought a car from Santander Consumer USA. After one year paying my fees I missed two payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor. Amount of alleged debt.
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Boost is a garbage product and it continuously breaks, with horrendous support, which is outsourced to XXXX XXXX or The XXXX or the like. Unintelligible support, in fact, with individuals who barely speak XXXX. Two instances of Boost. One works ; one doesn't. They then badger me about fixing the one that is broken. It's insane and a waste of my time. The product simply DOES NOT work or they are unable to scale the product around the authentication changes that banks make. Rubbish...

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