vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: UT

Complaint narrative:
I have a car loan and I was out of work for six months living off my husband 's social security and retirement. I was two months behind. I kept receiving calls and messages saying they understood about getting behind and that they were there to help me. When I called the first time I only had a temporary position, so they couldn't help me. The second time I called, I had just gotten a full-time job starting on XX/XX/2023, and I made payments arrangements with them to catch up one month, and all payments were made and on time. During that call they told me I could ask for a deferral to have the other payment placed at the end of my loan, which would get me back-on track and current. Until I lost my job, I made all my payments on-time. I requested they submit a deferral, which they did, then I started getting calls, saying I still owed them a full payment and they had not received a payment made on XX/XX/XXXX, which my bank showed me was processed and learned the deferral was declined and I was never notified. No reason was given as to why the deferral request was declined. I requested a second deferral and asked them not to call me for at least a week, but continued to get calls. Every time I call and ask for assistance their response is you need to make the full payment. No options are given, they never notify me if my deferral has been granted or declined. I am still receiving 4 to 5 calls per day leaving me messages that they want to help me. I was so tired of the calls and the lies, I left a complaint on their website. I explained why I was behind and that unless my deferral was granted, I wouldn't be able to be on time, until I could find a way to make the full payment, as I was getting caught up with other bills which had accumulated while I was out of work and unable to claim unemployment insurance. I told them in the complaint that I would no longer accept their calls and they could communicate with me via email. I keep asking why my requests for deferrals are being denied, the response I get is, " I don't know, they don't tell us why. ". There has been no response regarding my last deferral request and the constant calls continue several times every day and night!

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I was a victim of ID theft. There are inquiries that are on my XXXX credit report that are fraudulent and do not belong to me. I have already filed a FTC report the inquiries are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I then received a letter by Convergent Outsourcing on XX/XX/2023. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and Convergent. I will also be filing a complaint with the Texas AG Office.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a collection account reporting as a open account with a past due amount, I disputed collections are not suppose to have a past due this is inaccurate information 15 us c 1681i ( 5 ) Treatment of inaccurate information must be removed... equifax said it was accurate both can't be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dispute for Account Opened Fraudulently Dear Experian Dispute Department, I am writing to dispute an item on my credit report that reflects negatively on my credit history. The account in question was fraudulently opened, and I believe this information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently obtained a copy of my credit report from Experian and noticed an account that I did not open or authorize. This account is negatively affecting my credit score, and I have reason to believe that it was opened fraudulently without my consent. 

I am formally requesting an investigation into this matter to correct the inaccuracies on my credit report. I kindly request that you : XXXX. Conduct a thorough investigation to determine the validity of this account.

2. Provide me with any information related to the account, including the date of account opening, the name and contact details of the account holder, and any supporting documentation.

3. Remove this account from my credit report immediately as it is a result of fraudulent activity.

I have attached copies of supporting documents that may assist in your investigation. 

Please inform me of the results of your investigation once it is completed. You can reach me at XXXX XXXX XXXX XXXX or via email at XXXX to provide updates or request further information. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. I am committed to ensuring the accuracy and integrity of my credit report. 

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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/, I made a payment of {$2400.00} to ProCollect Incorporated. Subsequently, they assured me that they would remove the associated debt from my credit report.Certainly, here 's a template for a complaint letter to a debt collector requesting the removal of a paid debt from your credit report.I kindly request that you promptly investigate and correct this matter by removing the debt from my credit report. Furthermore, I expect written confirmation from your agency once this correction has been made.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase is violating consumers rights. 
No matter how small or large a check deposit is, they tell you about a 3-4 day. When the make available date comes, they again applied up to two additional weeks. 
I have had this encounter with them about 3 ( three ) times. 
Checks as little as {$200.00} to {$10000.00}. 
I belive they are in violation of consumer law. 
The CFPB needs to look into this. This is happening to millions of customer across the country. 
They can't cash a {$200.00} check for a customer but can sggord to pay the CEO XXXX XXXX XXXX XXXX XXXX XXXX salary at the expense of the consumer. 
What a shame and disgrace JPMORGAN CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My credit score was XXXX. I got a new card from my bank with a higher credit limit. they dropped my score XXXX XXXX. this card was obtained a year and one half after an inquire by my bank to raise credit limit on another card that i shared with my daughter who was added to the account. I have never paid late in the seven years i have credit accounts. my debt to income ratio is 2 %. my credit usage in never above 3 %. But yet I was penalized. 

I tried to get my account froze but they wanted me to buy an upgraded account to do that. that was XXXX a month. Is Experian a credit reporting agency? Or are they a for profit business that wants to make money of of consumers. they sent an e-mail today that I could get one of the cards they represent with no points taken off my score. is any of this legal?

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 2023-10-24 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act - This creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Under 15USC 1681 section 602 it states I have the right to privacy.

15USC 604A states A consumer reporting agency can not furnish an account without my written instruction.

It also states Under 15 USC 1666b mean?

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all info listed is reporting illegally an fraudulent information to my credit report. this has caused major delays an alot of denials. this needs to be corrected. please review an remove all information to help clear my credit asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Once again XXXX and Experian have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to XXXX XXXX the account number was from XXXX. Experian account number is 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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I received notification of a {$17000.00} loan forgiveness award from the state of Florida ( FRAME program ) that was sent directly to my loan servicer EdFinancial. Around this time, Edfinancial was in the midst of changing there website over to a new one, which also resulted in clients receiving a new account. During one of my 5+ calls with EdFinancial, it seems like the money was caused by Edfinancial but was sent to the old Edfinancial account number since their system had not swapped over to the new one yet when Florida sent over the funds. After 5+ calls, noone from Edfinancial has been able or possibly not even attempted to search for my missing {$17000.00}, resulting in me having to pay higher interest rates because the principal is higher than it actually should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted my IDR request as I kept receiving notifications that I needed to recertify my income driven repayment plan before student loan payments were to resume in XX/XX/XXXX. I received no communication from MOHELA that they had canceled and then denied my IDR until XX/XX/XXXX via e-letter that stated it was unclear whether my request was for recalculation of monthly payment amount for the income-driven payment plan I was on and alerted me to contact them, however, fortunately for me, I had already contacted them XX/XX/XXXX because I had not received any update regarding my IDR request. I was told by a MOHELA representative on XX/XX/XXXX that I qualified for the SAVE plan with an estimated {$600.00} as my monthly payment and was told this would take approximately 3-5 days to process. However, this ended up taking about a month longer as I did not receive my letter indicating it was processed until XX/XX/XXXX. I was also not advised that my loans were placed into an Administrative Forbearance until XX/XX/XXXX and wasn't informed until XX/XX/XXXX that four of my loans were not included in the forbearance by mistake. I was told by the MOHELA representative that her supervisor also confirmed this was a mistake and that a ticket to resolve my billing issues would be submitted, however, it has now been a week and a half and the issue is still not resolved as I have outstanding payments listed on my account. All of my correspondences from MOHELA have been significantly delayed and I've had to wait on hold of an excess of up to 2 hours at time when I try to contact them to resolve my issues. My credit and my public loan forgiveness is at risk because of their negligence and inadequate management of my loans. I have done everything appropriately and within a timely manner on my end, but feel I am continuously being punished and caused unnecessary financial stress by MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XX/XX/23 My card was charged {$7.00} for XXXX XXXX. 

I assume ( based on familiarity with XXXX ) that this is an in-flight food or beverage purchase. 

I did not fly XXXX on that date, nor was I anywhere near traveling or an airplane. I reported the charge as fraud and requested a new credit card. It is obvious that someone has a fradulent physical copy of my card. 

Barclays did an investigation, and due to the chip being read and the card being used in person, they determined that the charge was valid. I called to dispute this again and asked how I could prove that I wasnt on an airplane since they refused to believe me. They entered more information and resubmitted. 

On XX/XX/23 they sent me the same letter upholding the charge. 

This is infuriating that they do not believe me that this is fraud. There are no other travel costs anywhere. I do not know how to 'prove ' that this charge was not 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
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: FL

Complaint narrative:
I sold my car and got payment for it. I wired the money to US Bank to pay off lien on XX/XX/2023. Then a few days later I called to see how I get my title. They said wait and check your DMV on Monday ( a few days later ). On tuesday, I checked and no release of title. I called again to US Bank, asked for a supervisor. They could not give me any information on the physical process that goes on to release my title. A supervisor told me I " just had to wait ''. Well then, I checked again 9 business days after my loan was paid off. Asked for a supervisor again, I was told by XXXX in the XXXX call center that there was nothing she could do. She said I could not reach anyone in the liens and title department because " they don't take customer phone calls ''. I asked for her supervisor and she stated that she has a supervisor but that " they don't take customer phone calls either ''. I asked for her to send me any document that states I am finished paying off my loan. She told me " there is no official document I can send you as the FLDMV won't accept it ''. Why not?? Then at least I might be able to enlist the help of my DMV?. Now, the buyer wants his money back. I don't have the XXXX XXXX dollars he paid me because I paid off my loan with it. Now US Bank is holding on to my property and I have no recourse at all. How is it that in 2023 a multi-billion dollar corporation can't give me more information on my title? It's now my property and they won't release it to me. This is unacceptable. What am I to tell my buyer now? 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
Consumer complaint received 2023-10-24 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My information was missing used I didnt authorize Navy Federal to pull my credit report for any loans or credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Just got a closing of another complaint with not fixing g the problem

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 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NY Community Financial, LLC
State: NY

Complaint narrative:
I had cash out a check in this place and after XXXX Weeks i Went to cash another check but they told me i Owned the money for the past check They made me Pay and they also charge the bank I had being thru the store a few times and they told me to wait one more week this is being almost 2 months waiting

Company response to consumer: Closed with explanation