vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-01 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-01 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: MS

Complaint narrative:
XXXX XXXX XXXX {$1600.00} XXXX  Account # XXXX Status Original Creditor XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX  {$0.00} XXXX XXXX Account # XXXX Status Credit Limit {$0.00} High Balance {$0.00} Payment Amount {$0.00} Last Payment Term Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status No status Past Due {$0.00} XXXX XXXX  XXXX {$0.00} XXXX Account # XXXX Status Closed Credit Limit {$500.00} High Balance {$0.00} Payment Amount {$0.00} Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid, was a charge-off Past Due {$0.00} Collection Chargeoff This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. This account is paid in full and should be removed showing negative status due to false claims. 

XXXX XXXX {$0.00} XXXX  Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$15000.00} Payment Amount {$0.00} Last Payment Term 72 Month ( XXXX ) Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid, was past due 90 days Past Due {$0.00} Worst Rating 90 days late I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. This account is paid in full and should be removed showing negative status due to false claims. 

Inquiry : XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Have no idea who this company is and this inquiry should be removed from my report. 

This address needs to be moved from my credit report as well! I have no idea who this address belongs to and any accounts connected should be removed from my credit report. 
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 explanation
Consumer complaint received 2024-06-01 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: MA

Complaint narrative:
I recently obtained a copy of my credit report and discovered several accounts listed in collections that do not belong to me. To address this issue, I promptly sent a written dispute letter to the consumer reporting agency requesting them to validate the accounts in question. Despite my adherence to the proper dispute process and the Fair Credit Reporting Act ( FCRA ), the consumer reporting agency failed to respond within the 30-day period required by law.

The presence of these erroneous collection accounts on my credit report has significantly impacted my credit score and has caused undue stress and potential financial harm. As a consumer, I am entitled to accurate information on my credit report and prompt resolution of disputes.

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 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Unknown account from XXXX XXXX open XX/XX/XXXX When requested XXXX failed to provide verification of public information source XX/XX/XXXX Lloyd & McDaniel , PLC ( XXXX XXXX  ) failed to provide evidence of debt during court ordered Mediation XXXX XXXX Lloyd & McDaniel , PLC failed to appear in XXXX XXXX of XXXX XXXX, XXXX to defend their case. The case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I bought my house with a mortgage from Huntington Bank in XX/XX/XXXX. I was notified in XX/XX/XXXX, in my escrow analysis, that my account was in deficit {$10000.00}. As a consequence, my monthly payment increased {$810.00}. Where did this deficit come from? Huntingtons third-party company, XXXX, erroneously paid my house 's XXXX property taxes to the county with my escrow account, creating a deficit of {$10000.00}. I didnt live in the house in XXXX, and XXXX taxes were already paid by the previous owner. The county saw the error and issued a refund to XXXX in XX/XX/XXXX. XXXX erroneously sent the money back to the home 's previous owner. Huntington acknowledges this as their error. They keep telling me that theyve requested a refund to my account and that since it is such a large amount, it needs to go through an approval process. The requests for refunds started in XXXX, so this has been going on for months. In the meantime, I keep paying {$810.00} extra each month for this deficit HuntingtonXXXX created . This is on top of the {$10000.00} that is missing from my escrow. Ive asked for a refund for all of my overpayment and for my monthly payment to go back to its old rate. No response. I am attaching my communication with the company via online portal ( read from bottom-to-top ) and the fax i provided to them showing the payments from our county. Each time I call or send them an online message, they say, a refund has been requested. I reached out to my mortgage broker, who said hell look into it, but I havent heard from him for over a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had two separate charges from a company that I didnt authorize it was noticed when I checked my bank statement after the card was lost and given a new XXXX these are transactions with the old debit card that I never authorized in the amount of XXXX I filed a complaint and BOA will not refund me I never authorized those I do not have that debit card and those were unauthorized transactions for a company I dont even know or have never been affiliated with. I had several other charges from a similiar company that was found unauthorized and they refunded me in the same card these are the last XXXX I found and they refuse. 

Account ending - XXXX Claim ID : 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 monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX, I received a text message from Revco Solutions Debit Collector regarding an outstanding utility bill from XXXX XXXX. The message indicated that I owed {$200.00} for the final bill at XXXX XXXX XXXX, XXXX, TX. I immediately contacted Revco and was connected with agent XXXX, who explained that XXXX XXXX had forwarded the collection amount of {$200.00} to Revco for the mentioned address. During our conversation, I made it clear to XXXX that the bill in question had been fully settled in XXXX. I emphasized that the attempt to collect this bill was erroneous, as I am diligent in paying my bills on time and have an active service. When I inquired about the source of this information, XXXX informed me that XXXX XXXX had reported the bill for collection to Revco Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In Fall XXXX, I took out both a federal and private loan under SallieMae to attend the XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is part of XXXX XXXX XXXX. I attended XXXX for less than 1 year. 

In XX/XX/XXXX, I filed an application for Borrowers Defense to Repayment for discharge of my federal student loans for the aforementioned school XXXX. 

In XX/XX/XXXX, I refinanced my private student loan via NavientReFi so I could pay off my balance faster. 

On XX/XX/XXXX, I received an approval of my Borrower Defense Case application under Exhibit C of the Sweet v. Cardona Settlement for the same school that my private loans are for ( Sweet v. Cardona approval letter ). 

On XX/XX/XXXX I requested a copy of the School Misconduct Discharge application from Navient concerning private student loan discharge. I received an email from Navient on the same day stating " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I disagree with Navient 's decision that my loan type ( Refinance ) does not meet the criteria for me to receive an application. Navient could have sent me an application to fill out but instead denied me the application outright. I was never considered for due process under certain conditions, such as predatory student lending and school misconduct. 

I do not understand why it is acceptable to pay back private student loans for a school who was involved in a class action lawsuit for school misconduct and predatory student lending when I have already received an approval letter for my federal loans to be dismissed under the same school. I have been carrying this debt for 20 years. This is financial imprisonment. 

The remaining amount of my private loan under Navient ReFi is {$16000.00}. This will take about 3+ years to complete under my current fixed NavientReFi I possess digital copies of all the original loan documentation from XXXX XXXX 

Thank you for your time and assistance with this matter. 

With appreciation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a $ XXXX dollar payment to my Citi credit card on Tuesday XX/XX/XXXX. The funds were withdrawn from my XXXX checking the following day ( as any previous normal payment ). Friday XX/XX/XXXX I called to understand why those funds had not been applied to my account, even though they showed the payment as received. I was told the funds were being held until at least XX/XX/XXXX, with no further information or ability to escalate. 

I do not understand how a company can take a payment from me, funds clear my account and they hold that money without interest for more than XXXX weeks with no recourse. At a minimum I would expect they XXXX way call with myself and XXXX to confirm the payment is completed and authorized and apply the funds immediately to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights. 

I looked at my Experian credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The following information is to the best of my knowledge and memory because of timeframe. 

I have booked a package trip with XXXX and paid for it with my American Express credit card in XXXX of 2018 for {$2900.00}. About XXXX hours before my trip, XXXX called me on XXXX and said that my flight is cancelled ( no reason provided ) and XXXX wont be able to accommodate any other flight therefore they are refunding me 100 % of my trip. I have received a refund of {$1900.00} to my American Express credit card for the flights and the remaining refund of {$1000.00} was to be credited in the next ten business days and it never happened. At this point XXXX stopped responding to my requests for refund status. 

I called my American Express credit card and started a dispute on the {$1000.00} charge providing all necessary documentation including chat log with XXXX representative approving the refund. American Express disputed the charge. My account was at {$0.00} at this point and I decided to close my credit card account. Fast forward four months American Express sends me a bill for {$1000.00}. 

American Express is now showing on my credit report with a balance of {$1000.00} - something I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to Experian, XXXX and XXXX asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
Experian : Report Number XXXX And Ive uploaded photos from XXXX and XXXX XXXX XXXX show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges

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 2024-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing Real Time Resolution, claiming that the second mortgage payments have not been made since XX/XX/XXXX through the present month, and saying that I have defaulted and have breached the terms of the Mortgage Promissory Note. I have also filed a complaint with XXXX of Michigan. 

XX/XX/XXXX XXXX Regulatory dept did not address the DOJ settlement eligibility requirements, claiming that we didn't qualify for it at the time. I would like to know what the " DOJ eligibility requirements '' were. We bankrupted in XXXX because of the mortgage debt, job loss, and the failing economy of XXXX. XXXX also claims they sold the debt to Real Time Resolutions , Inc in XXXX. With the XXXX XXXX bailout in XXXX, there were no debt collectors buying second mortgages at face value, so I would like to know what XXXX bought the second note paper for, knowing full well that second mortgages were being sold for XXXX on the dollar in XXXX, as well as being forgiven based on the DOJ lawsuit. XXXX XXXX XXXXXXXX forgave {$10.00} XXXX Dollars in mortgage loans I asked XXXX to contact who they sold the note to and rectify the issue at hand. As mentioned, XXXX was sued by the DOJ, as well as many other times in their existence, which shows the number of scams that occur at this bank as well as many other ones. I spoke to XXXX XXXX the Resolution Specialist in The Regulatory Complaint 's dept at XXXX on XX/XX/XXXX. The complete reason for this complaint is to FORGIVE THIS DEBT as it should have been handled in XXXX. We all know that XXXX XXXX XXXX and XXXX XXXX XXXX screwed over the government and the homeowners in XXXX leading up to the greatest financial crisis in our lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, Chime allowed a transfer of {$1000.00} and {$1500.00} for a total of {$2500.00} to be taken out of my account ( to a XXXX ) when my " allow transactions '' were turned off in the app. However, they refused my dispute, twice. They are legally required to stop all transactions from coming out of my account when my allowable transactions are turned off. If I don't recieve my money back I will be filing a suit in small claims court along with contacting the local/national news and social media. This is unethical and they failed their due dilligence to protect my account and funds when I was traveling. Please explain to me how my allowble transactions were turned off but funds were still transferred via your XXXX XXXX  XXXX money app? They also closed the investigation in 4 hours of filing whithin minutes of the transactions which means they did not even attempt to reverse the ACH/transfer. This is a failure of my consumer protection rights and I want my money refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief