vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Nothing seems correct nor has been correct nor fixed with my student loans. I've been paying on since XX/XX/XXXX. They started with Sallie Mae then transfered to Navient then some where taken over by XXXX and two others where kept with Navient. According to them I have paid XXXX of interest just interest not including the captialized interest. I've paid XXXX on the principal. According to there email response " The disbursement amount of the loans was {$36000.00} ''. As of today XX/XX/XXXX according to the website that total is now {$44000.00}. Navient also has a two other set of my loans which are private FFELP. Original amount XXXX. Now {$6900.00}. I've paid XXXX in interest and XXXX towards principal for a total of XXXX. From what I can gather Sallie Mae / Navient are at fault and have failed to apply payments correctly as well as captializing interest in order to increase the principal. Putting loans in Forberance multipule times without my permission to increase the principal. Adding rebate reversals applying payments late as well as submitting income repayment applications late or delayed in order to increase the principal. I mean look at the amount of just interest paid. That on top of taking out student loans then needed. I went to XXXX XXXX XXXX  for one and I had grants etc totaling over {$20000.00}. I have reached out to Navient and XXXX as well as the Education Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX Santander offered to settle my account if I contacted Customer Service Department to voluntarily surrendered the vehicle associated with my account, they would be willing to settle the account for the amount received for the vehicle at auction. Once the vehicle is sold at auction, the sales proceeds will be applied to the account and any remaining balance will be waived. This is does not have an end date. 

I contacted Customer Service Dept. on or around, XX/XX/XXXX. The representative stated the vehicle was currently up for repossession. So Id need for the Executive Office to either change the Repossession status to Voluntary Surrender status and/or Id need an updated letter. 

I contacted the Santander Executive Office, on or around, XX/XX/XXXX and was told Id need to submit a complaint. On XX/XX/XXXX I submitted my complaint request. I received a letter from Santander dated XX/XX/XXXX that they respectfully Decline to change the Repossession status to Voluntary Surrender and they also Declined their initial offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
I am writing to formally notify you of serious violations of privacy and consent that have occurred on my credit report. Upon reviewing my credit report, I discovered inaccurate information that is being furnished by your respective agency, Equifax. This inaccurate information is causing significant financial harm to me. 

It is imperative that you understand that this information was not consented to by me during the initial investigation, as permitted by federal law. The laws and codes that regulate and enforce the remedy in such cases include but are not limited to : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) California Privacy Act & Consent Act The account furnished by XXXX XXXX XXXX was not consented to by me, and the violation and monetary remedy value far exceed the debt in question. It is clear that this inaccurate reporting is a direct violation of my rights as a consumer. 

To avoid legal proceedings, I demand that you, Equifax, follow federal laws and the California Privacy Act & Consent Act that I have invoked. I request that you immediately delete this inaccurate account from XXXX XXXX XXXX from my credit report. 

This request is made pursuant to FDCPA and FCRA and has been invoked by me, XXXX XXXX. 

I expect prompt action on this matter and confirmation of the removal of the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
This debt is for XXXX XXXX. I have a active XXXX  and I have never been delinquent.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been hacked by someone using a pretty good scheme. First of all this person made a payment on my credit card for XXXX ( I have no idea anyone who wants to steal money would do this ) and then the hacker attempted to purchase multiple charges at XXXX for XXXX XXXX and also a charge for XXXX These charges were immediately sent to chase as fraud by me. This then caused me to lock and cancel my card. I requested a new card which came in the mail. 1 month later chase sends this persons payment back to them and charges me the 3 charges they already removed from my account as fraud. This then changed my minimum payment from the prior month which I did pay. And this resulted in them sending me to collections for a payment I made!!! All because they reposted fraud charges to my account. Im furious this hit my credit and Ive spoken to many managers who can not help. They said I authorized these charged and I have asked them multiple times for proof of this. Whoever is doing these scam is very good at it unfortuanltey but I still dont understand why anyone would make a payment on someones credit card they are trying to make fraud charges on?

( Somehow they got the payment back and the fraud charges went through and now Im in a pickle ) Please help. 

Chase credit has been awful to deal with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 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: IDAHO CENTRAL CREDIT UNION
State: AZ

Complaint narrative:
Idaho central credit union is report a charge off account to my credit report that is inaccurate. I filed a 1099c debt cancellation form with the irs and it was accepted. Per the federal fair credit reporting act no income can be reported to your credit report. Once the irs accepted the 1099c for this account became income to be filed on my taxes. This account needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit violated the FDCPA by sending information to the wrong address and not validating the information, and I have requested them to cease contacting me in an improper and unpleasant manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: IL

Complaint narrative:
This collection agency is not licensed to collect debt in the state of Illinois where I reside. 
Also, this debt has passed the statute of limitation for the state of Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Tek Collect XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute any and all alleged debt in collection by your agency, Tek Collect, as it appears on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws, I am requesting validation of the debt in question. 

I am aware of my rights under the consumer laws, including but not limited to 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, 12 CFR 1006.34d, and 15 USC 1681-s27A, which require debt collectors to provide certain information upon request. 

Please provide the following information to validate the debt : 1. A detailed validation of the debt amount, including any fees, interest, or charges that have contributed to the total balance.

2. A copy of the original purchase agreement between Tek Collect and the original creditor, Integrative Nutrition. 

3. Proof that Tek Collect is licensed and bonded in the state of Illinois, where I reside. 

Furthermore, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this alleged debt. All future communications must be in writing and sent to the address provided in this letter. 

Please note that I dispute owing any debt to Tek Collect or any affiliated entity. Until proper validation of the debt is provided as requested, I expect all collection efforts to cease immediately. 

I am requesting that you provide the requested documentation within 30 days from the date of this letter. Failure to do so will result in further action on my part to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I spoke to the property manager and he agreed the statement was incorrect and acted like he had no knowledge of the bill but when confronted he said because he no longer works for the company there was nothing he can do. This account is fraudulent with errors on mail keys I turned in this information is inaccurate it is my right to have this account removed due to error FCRA law 15 USC 1681 this is not acceptable and needs to be removed immediately I can provide email to the property manager I have proof where I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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 noticed an error on my file, which I sent a letter off to XXXX XXXX XXXX  XXXX and the reporting agency 's on XX/XX/2024. They are violation my consumer rights. Reporting inaccurate data each month, also the reporting of this account. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this inaccurate.15 USC 1681 s-2 states that your company as a furnisher of information to a consumer reporting agency You are prohibited by LAW to furnish inaccurate information. Ive demanded several times to Cease and Desist that this company is furnishing inaccurate and incorrect information to the consumer reporting agency. The reporting of such inaccurate information has caused severe damage to my character, and my reputation. 
Under 15 USC 1681s2a1a, A person shall NOT furnish any information relating to a consumer to any consumer report agency knowing or has reasonable cause that the information is inaccurate. Also, 15 usc 1681i ( A1a ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ; it's been over 30 days and still reporting unlawful activity to my file

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 2024-04-20 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 recently reviewed a copy of my credit report, and noticed I had fradulent account on my reoport. Please remove this saccounts from my report, they are hurting my ability to obtain credit.

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 2024-04-20 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: TN

Complaint narrative:
Again, in line with my rights under the FDCPA and FCRA, i am again requesting that this debt collector provide me with the purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of this account information. If this debt collector refuses to send me this documentation then i demand the immediate deletion of this account from my credit report. The date on my consumer report that i opened an account with this debt collector is blatantly false. I have not received any products or services from this debt collector or entered in any contractual agreement with them. This misinformation is tarnishing my credit history and infringes on my consumer rights. The actions of this debt collector constitutes clear violation of my right. And i am demanding a swift deletion of this account from my credit report if they are not going to provide me with what i asked for. I trust that the CFPB will address this issue. 

SEE ATTACHED LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TN

Complaint narrative:
Again, in line with my rights under the FDCPA and FCRA, i am again requesting that this debt collector provide me with the purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of this account information. If this debt collector refuses to send me this documentation then i demand the immediate deletion of this account from my credit report. The date on my consumer report that i opened an account with this debt collector is blatantly false. I have not received any products or services from this debt collector or entered in any contractual agreement with them. This misinformation is tarnishing my credit history and infringes on my consumer rights. The actions of this debt collector constitutes clear violation of my right. And i am demanding a swift deletion of this account from my credit report if they are not going to provide me with what i asked for. I trust that the CFPB will address this issue. 

SEE ATTACHED LETTER

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 2024-04-20 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: GA

Complaint narrative:
XXXX, said the disputes they received doesnt appear to be me that sent it. Although I given 3 pieces of identification and the dispute information to them. They have not followed 15 usc 1681 ( e ) I have submitted all proper documents.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America was sharing my private information on a third party website without my knowledge or consent this is to revoke all power given to the company without knowledge or understanding

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 2024-04-20 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: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
I'm not sure when all this happened but speaking with these folks and never getting any information on this loan. The problem is I have never attended college. The dates they gave me was back in XXXX. Which could'nt have been me. I had a XXXX  XXXX followed by complications after my child was born for over 2 years. Then they began threating to garnish my income tax and said I had to file for deferment. I have requested my signed paperwork for this loan and as of today nothing. This has been hell trying to get any information on this because I never went to college and have no knowledge of who got the money for this loan. It is affecting me. I belived that someone signed and recieved money fraudulantly and I can't seem to get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I am looking to have all items deleted to help clear my credit report. these items are listed as fraud and has been hindering my file. please review an delete all listed accounts asap.

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 2024-04-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hi, I opened a XXXX XXXX account that offered a {$50.00} statement credit after spending {$50.00} at XXXX. I opened the reloadable card around XX/XX/year>. I've met the spend requirements on XX/XX/year> ( attached a screenshot of transaction history and monthly statement ). However, I've not yet received the {$50.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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 hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX

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