vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i was contacted by email to pay a debt i did not owe or recognize! i asked for proof and validity of debt! the debt collection company name used was XXXX i have an email to dated XXXX correspondence was XXXX XXXX at email XXXX The email states a company owner called : LVNVFunding LLC says they will not resume collection activity until i am informed of validity. i do not know or owe any money to LVNV Funding! i have requested validity of bill and never received a response! Now a company called Resurgent Capitol Services is attempting to collect the fake debt for LVNV Funding! i have continuously received phone calls by debt collectors and scammers from fake numbers all over the world! i have asked them to stop calling me and i then receive a call from a different number same scammers on XXXX XXXX i received a letter in the mail demanding payment of {$92.00} from Resurgent Capitol Services saying i have until XX/XX/XXXX to i have called the number to dispute the charge and sent to different operators XXXX XXXX XXXX refrence XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
MOHELA, my loan servicer, has incorrectly placed me on the " SAVE-alternative '' plan, because according to them, I have failed to recertify my loans. However, I did not need to recertify because of the payment pause during the COVID-19 pandemic. I should have been placed on the " SAVE '' repayment plan. I have spoken with them on the phone and they acknowledged the issue back in XXXX XXXX and state that they would correctly change my repayment plan back to SAVE. It is now XX/XX/XXXX, and upon calling them, they deny any issues on their part, and deny their admission of error or any conversation over the phone we had back in XX/XX/XXXX, and continue to tell me that I must recertify my loans and apply for a new repayment plan when I clearly do not need to. They are unwilling to put my loans on administrative forbearance at this time. They need to change my repayment plan back to the " SAVE '' plan without me having to recertify or apply for a new repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
XXXX. I been on the phone holding for 4 hours and then today XX/XX/XXXX over 6 hours trying to talk with someone in the credit department at XXXX. I was told that FedLoans had my student loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that FedLoans are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan student loan people ( FedLoans who transfer or sold my loan to XXXX ) to get it resolved bc it is FedLoans mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent

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 2023-12-14 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: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent

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 2023-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My account was charged an erroneous overdraft fee that caused a negative balance. The fee that caused the negative balance was reversed but the resulting negative balance fees were not and account was reported to collections Bank can not charge me negative balance fees or other fees related to their error I called and requested info and never received a response. 

Phone call was recorded

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have had a Care Credit card for several years and made several large purchases on the card. I paid it off, on time, every time. I never missed a payment once. The problem arose when I stopped using the account that my autopay was scheduled to come out of. I used the app, and it had no way of changing the autopay account. I decided to just set a reminder in my phone and pay the bill manually from a different account every month. I never missed a payment ever. Then I started seeing an extra charge on my account, and I called to ask what it was. They were charging me for non payment of my bill, regardless of the fact that I had paid my bill on time, without fail every month!! Then they closed my account for missing too many payments!! I have not yet checked, but I assume that they have likely reported this to the credit bureaus as well. This is completely unfair and undeserving.

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 2023-12-14 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: VA

Complaint narrative:
XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXXXXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CapitalOne account beginning with XXXX is a " Charge off '' which means it's a certificate of indebtedness. Which makes it income as they can not report income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
XXXX  credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!

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 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They are reporting my {$170000.00} XXXX loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at XXXX WILL FIX IT.

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 2023-12-14 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: CA

Complaint narrative:
They are reporting my {$170000.00} XXXX loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at XXXX WILL FIX IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
I have been disputing a XXXX XXXX account on my credit file with expierian for a long time now and they have not yet to delete this from my credit file I've submitted documents stating that account is fraud from the account company and they have yet to delete this from my credit I've spoken to XXXX they say the account was closed for fraud other say they are investigating and I don't know hat to believe I know this is not mine and I need it off my report I've never even seen a card from these people it's ridiculous

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-14 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: TX

Complaint narrative:
in response to complaint XXXX, XXXX failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. Equifax is not an affiliate of XXXXXXXX XXXX  and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2022 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 2023-12-14 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: MS

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have been paying an extra XXXX principal payments per month on our mortgage for almost XXXX years. When we asked for a payoff the number is exactly the same as what we currently owe. How can the payoff number and the remaining amount be the same? We have done the math on the numbers sent every month from the servicing company. Using " their '' numbers our outstanding " principal amount is XXXX based on a XXXX end date. 
That date is on every mortgage payment statement we have. We have all of them. We just need to make sure the numbers are reflective of what we have paid and that they are reducing the principal as we intend. Based on the payoff number they have given us of XXXX it is " NOT '' the case. How can we owe anything additional without those numbers being reported to us? We know servicing/mortgage companies " do stuff ''. We will not allow this to happen to us we have worked too hard to pay this house off.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was informed by XXXX XXXX on XX/XX/2023 that there was a hard inquiry on my credit report from XXXX XXXX Chase. I contacted Chase and they told me that a credit application for a XXXX XXXX XXXX was processed, approved and an account opened. I told them that this was not me and they informed me that identify theft has occured because whoever opened the account would have had to supply my social security number. They immediately closed the account and placed a fraud alert with XXXX which they said will also activate a fraud alert with XXXX and XXXX. At the same time I placed a freeze on my credit report for all XXXX  credit bureaus. I also signed up with XXXX ( XXXX XXXX XXXX ) so the fraud would not continue since now my social security number was out there. I then called back XXXX to dispute the hard inquiry since it was a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with I C SYSTEM company I believe the original creditor XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

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 2023-12-14 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: DE

Complaint narrative:
Per the Fair Credit reporting act 15 USC 1681 section 602. XXXX an Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I paid my balance in full after interest in fees were assessed. The company then added additional interests and fees that were not actually residual interest since the balance had been XXXX well after the payment was made and the balance was brought to XXXX. When inquiring with the company if they had the correct billing address and email address I was told they had an email address I've never provided. When I mentioned that my account may have been hacked or there is an internal error regarding the balance I was spoken over and nothing was resolved. The current company representatives do not seem to be aware of legal requirements for credit card companies and claim they had no way to put in a fraud report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: SC

Complaint narrative:
I received an email that a peer transfer was completed in the amount of {$770.00}. I immediately called the bank and told them that it wasnt me that completed the transaction. They told me they dont have the ability to offer me a credit for what happened for XXXX days once the investigation is over. They also couldnt complete the dispute process because they said it didnt show up in their tool so I would have to be called to complete the dispute. They locked my account, and I have no access to my funds and only communicate through mail. I spoke to multiple people and hung up on and was finally able to get transferred to a supervisor who also says i cant get any money until the investigation is over which can take XXXX days which is against my rights.

Company response to consumer: Closed with explanation