vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: UT

Complaint narrative:
I called them a couple times today. XX/XX/XXXX. No one answered when i clicked the button for speaking with a customer representative. The loans i am being charged with do not match up. I am being charged more than double what i owe them. One semester when i could not afford classes i completed unsubsidized student loan supplement form to pay half my tuition half student loans. This was fall semester XXXX XX/XX/XXXX. I only took 3 classes and paid for half of my tuition. On XXXX XXXX website it says the total for the semester was XXXX. Half of this is only XXXX and they are charging me XXXX dollars. They charged on on other multiple occasions even though i only asked for loans this one time. I paid my tuition myself every other semester. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
On XXXX  I sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/XXXX  and an updated FTC identity theft 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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX, can not just make an assertion of compliance, but also have provided mandated proof according to the law> Subject : Mandatory Dismissal of XXXX  XXXX for XXXX with XXXX XXXX Notice Requirements I, XXXX XXXX, demand the immediate dismissal of the XXXX XXXX against my property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, due to the plaintiff 's failure to demonstrate strict compliance with the XXXXday notice requirement as mandated by XXXX XXXX. Legal precedent firmly establishes that " [ P ] XXXX XXXX of XXXX XXXX notice on the borrower or borrowers is a condition precedent to the commencement of a XXXX XXXX, and the plaintiff has the burden of establishing satisfaction of this condition '' ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX [ XXXX ], quoting XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ). 

The statutory requirement that such notice must be sent by registered or certified mail, and also by first-class mail, to the last known address of the borrower, provides a clear means for the plaintiff to demonstrate compliance. This can be achieved through proof of the actual mailings, such as domestic return receipts with attendant signatures, or evidence of a standard office mailing procedure designed to ensure proper addressing and mailing, sworn to by someone with personal knowledge of the procedure. 

The failure of XXXX XXXX and its legal representatives to provide such evidence in the XXXX XXXX against my property highlights a significant procedural deficiency that undermines the validity of the XXXX proceedings. The absence of documented proof of compliance with XXXX XXXX 's notice requirements is not a minor oversight but a substantive failure that necessitates the dismissal of the XXXX XXXX. 

Given the clear legal precedent and the statutory requirements outlined in XXXX XXXX, I expect the immediate cancellation of the XXXX XXXX  sale scheduled for XX/XX/XXXX, and a formal dismissal of the XXXX XXXX. This request is made in the interest of upholding the integrity of the legal process and protecting the rights afforded to me the Consumer homeowner under New York law. 

The seriousness of this matter can not be overstated, and I strongly request CFPB prompt attention to this matter. XXXX XXXX and their attorneys failure to comply not only disregards established legal standards but also perpetuates a grave injustice against my rights as a consumer homeowner. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Litigation for fraud filed against Mosaic approx 6 months ago. Around this time Mosiac Solar refused a phone payment stating account holder " is in litigation ''. Then Mosiac Solar stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with Mosaic Solar. Account Holder requested several times a copy of statement and asked for account status in past 6 months calling in to Mosaic 's customer service line. Mosiac never informed of any account status or balance and never sent statements. Mosaic Solar has reported account holderXXXX, XXXX and XXXX  days late to XXXX and account holder believes Mosaic Solar and XXXX violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from Mosiac Solar in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. XXXX has been made aware of the situation and continues to report the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to respond adequately to a dispute letter that I mailed on XX/XX/scrub>XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested an investigation into the entry for Bankruptcy XXXX XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Unfortunately, I received a response from TransUnion, dated XX/XX/scrub>XXXX XXXX XXXX indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with the USPS certified mail proof of delivery and TransUnions response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.

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 2024-02-07 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: PR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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:
My personal data was unlawfully sold and acquired due to my unfortunate victimization in the XXXX data breach. I urgently request the immediate removal of these unauthorized entries from my credit reports. Attached herewith is evidence confirming XXXX 's acknowledgment of my status as a victim in this breach, yet no corrective action has been taken.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from 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 non-monetary relief
Consumer complaint received 2024-02-07 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
This company did not contact me in any means in regard to this debt. I got an alert with my credit monitoring so I reached out to them. The lady which did not give me her name, she hung up when I asked for her name. 

She stated they tried reaching out to me .... Never happened. 

This company they are trying to collect for XXXX I have disuted this debt as fraud numerous times, just recently XXXX and had it removed from all three of my reports and now they are hiring another company to add it to my file without any burden of proof. 

I have begged for any proof of evidence that this is my account because it is not.. 

XXXX XXXX XXXXXXXX nor Paramount recovery has povided any factual data linking this debt to me and refuses to provided any details other than an account number XXXX >>>> no dates of said action just teh account number. 

I will be seeking legal action against XXXX XXXX XXXX and Paramount Recovery Systems if this is not removed from my credit file ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/scrub>XXXX  and an updated FTC identity theft 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 2024-02-07 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: NY

Complaint narrative:
I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Lexus financial sold me a protection product for tire and wheel and hail damage while signing a loan doc. And they never mention anything about i need to file a claim within 30 days from the loss date. And when I call and try to file a claim I got denied and was told you should have read the contract, but I was never given the contract nor was told about the 30 days requirement when signing the protection agreement. When I send my car to their shop to get it repair. They told me again. Just file it after the car is fixed. They are very misleading and frauded their customers. All they care is all about selling products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My problem is with Macys credit card. 

. On XX/XX/XXXX I discovered fraudulent charges on my Macys Credit Card.

. I called and reported to Macys and identified 13 fraudulent charges which they said they would remove from my card. 

In XXXX I started getting calls from Macys Credit dept so I checked and Macys had remove 12 charges but overlooked one charge. This charge was almost identical to another charge at the same store on a different date that had been removed. 

. After many many calls to Macys they agreed 7 different times to handle the item, but the calls Macys continued. They said the case was under investigation. 

. On XXXX XXXX, XXXX my bank informed me that my credit score had dropped XXXX points upon checking Macys had reported me delinquent on my account. On XX/XX/XXXX XXXX called me and said they resolved the charges and I now have a {$23.00} credit balance. But they could do nothing about my damaged credit score as the case was still under investigation. 

. On XX/XX/XXXX my bank informed me that my XXXX XXXX had dropped another XXXX points. Investigating I found on XX/XX/XXXX XXXX had made a request for a hard credit report resulting in the 9 points reduction.

I did not know or approve this request I was not requesting credit or a loan.

I had a credit amount on my Macys card They owed me money What was their reason for requesting a hard credit report other than harassing me. 

I have a big financial deal working and my finances are very reluctant to continue with a total credit report drop of XXXX points. This is going to result in significant reprucessions to me and my business opportunities. 

In early XXXX I informed Macys that I believed they inadvertently missed one charge.

In many many calls to Macys over the past XXXX  weeks I have only spoken to one person out of about 40 whose native language is XXXX. It is difficult to understand many and I had the feeling many did not understand me. 

. I have had a hard wired telephone in my house and home since I was XXXX XXXX XXXX. Due to the harassing XXXX 's calls to collect a debt I am canceling my phone to avoid the harassment.

I consider myself a hard working professional person with an extremely good credit rating. Now this is all ruined by Macys and their broken systems, flawed procedures and improperly trained personnel. They do not care a bit about the little people in the world. They can not correct their problems or restore my lost credit worthiness that the destroy for no good acceptable reason.

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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received a text on XX/XX/scrub>XXXX XXXX XXXX XXXX  asking if I recognized a transaction from XXXX for {$400.00}, which isnt uncommon as I have gotten these messages before. I replied no and got a reply saying a representative would be reaching out. 

Shorty after I got a call from someone stating they were with Chime bank and I needed to follow instructions to get a refund on a transaction before it posted. 
I was initially hesitant but after talking with them I realized the number that had called me was the phone number to my bank. Therefore I felt I should trust this process and do what they say. There was request on the app for a Chime Payment Reversal. They had me do this but it actually ending up sending this person {$1000.00}. 

I filed a dispute with chime and it was denied as they said they are not responsible for scams. 

Date of incoming phone call : XX/XX/scrub>XXXX XXXX XXXX XXXX   Amount : {$1000.00} Filed dispute on XX/XX/scrub>XXXX  and it was denied on XXXX  Company- Chime Bank I have attached screenshots of my call log that shows the incoming call and also time of the transaction. 

Its very deceiving as I would have never done this without the incoming phone call from my bank. The phone number matched so I assumed It would be okay.

Company response to consumer: Closed with explanation