vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have been trying to submit a payment to my Mortgage Services for {$810.00}. The first payment I tried to submit was on XX/XX/2023, and then attempted to make another on XX/XX/2023. I was unable to login, or contact them and verify my account. The Mortgage Servicer Company is LoanCare , LLC located in XXXX XXXXXXXX, customer care number : XXXX. They event sent me an email last night stated " Your online account is up and running. Access loan information, support options, and make payments today by visiting https : //lakeviewloanservicing.myloancare.com. 

As part of resuming our online services, we have made enhancements to the website. You will notice the following improvements : Updated user experience Expanded tools and features Secure statement storage Special Note : You will need to set up your preferred bank account the first time you make a payment through the enhanced website. 

Reminder, if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. '' I just want to make sure they honor this Reminder statement.

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 2023-11-30 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX XXXXXXXX Closed Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.
C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-11-30 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: IL

Complaint narrative:
Hello, please see documents attached for more details. I hope you can 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Accounts was paid in full. Bank did not processed check in a timely matter and they report my account as delinquent damaging credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I paid my XXXX XXXX XXXX card in full and cancelled the card. On XX/XX/XXXX, I recieved a XXXX bill from the card which was XXXX in unpaid fees and XXXX in interest. When I called to complain about receiving interest and fees after paying the card in full. The person said it was in the contract. I thought they should have added no fees or after I cancelled the card and paid it in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Premier Recovery Services, LLC
State: TX

Complaint narrative:
Earlier this year, I received medication management services during a time of crisis. I reached out to XXXX XXXX XXXX XXXX, as my provider was unavailable, and was informed that someone else would be in contact with me. However, there were delays, and I ended up in a crisis situation which required immediate attention. Consequently, I contacted the company to cancel my appointment due to my inability to function and take care of myself physically and mentally. Friends had to come and assist me, taking me out of state, and I ultimately ended up back in the hospital. It's important to note that my mental state during this period was compromised. 

Despite not authorizing any further appointments, I discovered that the company went ahead and scheduled one for me. To my surprise, I received a charge for this unauthorized appointment that I did not book in the first place. I strongly believe that I am being wrongfully charged in this situation. 

Meanwhile, I am currently receiving treatment and struggling to function properly. Unfortunately, the company decided to involve a debt collector, and they have been contacting me and even reaching out to family members who have no involvement in this matter. They have been asking personal questions, which I find inappropriate and intrusive. 

I have already sent a letter in the mail requesting information about their authority in my state, a detailed debt statement, and an explanation as to why they believe I owe this debt. I explicitly stated that they should cease all communication with me at the provided address if they can not provide this information. Despite this, they chose to disregard my request and emailed me instead. I feel extremely harassed after clearly expressing my desire for them to stop contacting me unless they provide the requested information. 

I want to emphasize that this charge is fraudulent in the first place, and the actions taken by the debt collector are highly concerning. I kindly request that you address this matter promptly and provide a fair and just resolution. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There were multiple and duplicate inquires on my TransUnion report. Ive called and was told to mail in my ftc report and police report regarding the inquires as well as the fraudulent account by XXXX XXXX  via certified mail.

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 2023-11-30 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: EdFinancial Services
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a full student loan payment to Edfinancial for {$16000.00}. This initial payment was never debited out of my bank, yet Edfinancial 's portal showed that this payment was received. My bank confirmed that this payment never went through, and that I should try to initiate the payment again. The issue is that I was not able to re-initiate these payments because my portal did not update in a timely manner.

I checked my portal a week later, and I saw a payment reversal of {$9800.00} show up for XX/XX/XXXX. 

I called Edfinancial and they could not tell me why my payment was reversed, but they could see that my remaining {$7000.00} was received. This was not the case, as later, I would see a payment reversal for XX/XX/XXXX for {$7000.00}. 

The main issue I experienced was inconsistencies with when the payment balances were being updated. If my payment reversal was shown immediately, I could have actioned payment sooner. Entries of XX/XX/XXXX payment reversals were not shown on XX/XX/XXXX. These entries came up almost a week later, therefore making it impossible to pay off these balances in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed child support from Equifax, XXXX and XXXX about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXXXXXX XXXX I'm almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I am writing to file a formal complaint Against XXXX XXXX XXXXXXXX for their refusal to initiate a requested stop payment on funds intended for my student refund. This situation is causing considerable distress, as the funds have been transferred to an account for which I lack the necessary information. 

I have diligently attempted to rectify this issue by seeking assistance from XXXX  XXXX XXXX but, they insist that I contact my bank directly. Unfortunately, my bank can not release the required information without the proper documentation, which I currently do not possess. 

By denying me access to my student refund, XXXX  XXXX XXXX Is potentially violating consumer protection laws. I believe their actions are in direct contradiction to regulations put in place to safeguard consumers like myself from financial harm. 

I kindly request your intervention in this matter to ensure that XXXX XXXX XXXX complies with relevant laws and initiates the necessary measures to rectify the situation promptly. Your assistance is crucial in resolving this issue and preventing further financial detriment. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Hometap Equity Partners, LLC
State: NC

Complaint narrative:
per credit report on XX/XX/2022 and XX/XX/2022 a inquiry was established from factual data. I have no awareness of this company nor have or have had any credit accounts. Also on XX/XX/2022 there is an inquiry from a company named HomeTap in which I also did not authorize nor have or had any credit revolving/non-revolving accounts with this company. Please review and have these 3 inquires removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing to formally file a complaint against PayPal concerning the unjust restriction of my account and the subsequent freezing of funds.On XX/XX/23, I received an email notification from PayPal stating that my account had been restricted due to alleged violations of their policies. According to their communication, these accusations include Violating terms of agreement. I would like to emphasize that I strongly believe these accusations are false and without merit. 

As a responsible PayPal user for 1 year, I have consistently adhered to their terms and policies, and I have never encountered any previous issues or violations. The sudden and unjust restriction of my account has left me perplexed and distressed. 

Furthermore, the restriction of my account has led to the freezing of {$600.00} dollars, a significant portion of which is vital for my financial well-being. I am currently facing unemployment, and the availability of these funds is crucial for navigating through this challenging period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Information on hard inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter from XXXX stating no service of loan ... I never had a mortgage or inquired I called XXXX XXXX said it is over the posting time on my report and readmit a dispute toCFPB 1. remove 2. I never inquired with XXXX XXXX XXXX. I am a victim of Identity Theft 4. Police reports have been filed. 

Time period on hard inquiry is past, rep said remove accordingly to the law

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 2023-11-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Filed a fraudulent charge claim with my bank, Fifth Third Bank. A transaction that wasn't initiated by me or my wife occurred on XX/XX/XXXX via a debit card transaction in the amount of {$550.00}. 
The charge was a XXXX XXXX in XXXX XXXXXXXX XXXX ( we live in XXXX  ). 

Once I noticed the pending withdrawal, I contacted 53 bank. opened up a dispute. during the conversation i did state that I don't even recall receiving a debit card for this checking account. Told 53 bank this was not a charge initiated by myself or my wife.

Funds reversed during investigation. 

Received letter in early XXXX that my dispute was declined. I called them to inquire as to why -- - they stated that they have evidence of a debit card being activated by my wife back in XXXX. Which I'm sure is true but I didn't remember that fact. Well, because of that statement they denied the fraudulent dispute charge. 

I told them that I don't recall activating the debit card and we never used it for any purchases ( checking account is used to pay bills for a property ), and asked for dispute to be re-opened. 

They re-opened the dispute but a few days later received notification that my dispute was declined again. 

I called XXXX XXXX to request a reversal of charges. They mentioned to me a name of a person who we do not know -- -- that individual reserved a room at the XXXX XXXX but never showed up. So the charge was for a no show room reservation charge. Despite my plea that we had nothing to do with this reservation, or that we don't know the person that reserved the room, and that we were nowhere near Texas at any time -- - XXXX XXXX also declined to reverse the charge. 

Please assist us. We are extremely frustrated that we are responsible for this payment that we had nothing to do with. This was a fraudulent charge and I don't know what else to do to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. 

I disputed the fact that I did not purchase a {$1900.00} XXXX XXXX, nor did I have it delivered to an XXXX XXXX XXXX XXXXn XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. 

In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. 

I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. 

On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on 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 monetary relief
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Equifax, I am writing to dispute the accuracy and completeness of certain hard inquiries listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the following inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 I believe that these inquiries are inaccurate and/or incomplete. As a consumer, I have the right to ensure the information contained in my credit report is fair, accurate, and substantiated. I am requesting your assistance in verifying the accuracy and completeness of the inquiry history associated by conducting a re-investigation. 

Please provide the following information : Verification of the purpose of each inquiry. 
Documentation substantiating that I provided consent for each inquiry. 
Verification of the date and time of each inquiry. 
Confirmation that the information reported is complete and accurate. 

I understand that you are obligated under the FCRA to conduct a reasonable investigation within 30 days of receiving this dispute. I kindly request that you notify me in writing of the results of your investigation, including any changes made to my credit report as a result of the inquiry verification. 

Additionally, I am attaching a copy of my identification for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your cooperation in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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