vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
XXXX has charged XXXX retuned check fees that do not exist Took a payment of XXXX dollars on XXXX and is still applying late fees when a principle payment was included. 

Company has taken a illegal contract that will supply account numbers to my business account for the purposes of fraud. Company has placed illegal STDs on my mortgage account after I explained that it was a civil matter and currently in court allowing people to place illegal liens on my property account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2023, I reviewed my consumer credit report and discovered a collection listed for {$1300.00} related to an XXXX XXXX account. Additionally, I observed an unfamiliar address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX XXXX, associated with my credit report, despite never having lived there. Upon further investigation, I confirmed this information by contacting the listed collection company, Sequium Asset Solutions , LLC. 

Upon contacting Sequium, I provided them with my information, and they promised to send me a fraud packet. Once received, I promptly filled out the packet and reached out to inquire about the submission process. Surprisingly, Sequium informed me that they had returned the collection to XXXX XXXX, and I would need to contact them directly. 

Subsequently, I contacted XXXX XXXX, and they assured me they would send a different fraud packet for me to complete. I have received this packet from XXXXXXXX XXXX, filled it out, and intend to submit it once I have gathered all the required information as outlined in the packet. Furthermore, the packet instructs me to complete an online FTC complaint and document the case number for reference. I will follow these instructions to address and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: OH

Complaint narrative:
To resolve the issue of hard and fighters on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: OH

Complaint narrative:
To resolve the issue of hard and fighters on my credit report that I did not authorize.

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 2023-11-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
Freedom Debt Relief consumer. 

Program started in XXXX. 

My request and report began in XX/XX/XXXX As I am nearing to the end of my program, my debt numbers were not right. One of my accounts that I added to my enrolled debt with the company this account is now in collections. I asked why? They did not know. They said an account with a XXXX balance was associated with this bank. This was not my debt. The debt I was talking about that was in collections was XXXX or XXXX XXXX dollars. Increasing now due to interest. AND in collections. 

They were confused and could not give me a definitive answer. I was speaking with customer service. I was told to verify the account in collections call back a week later for it to be resolved. They told ME to call collections. They told ME to contact the bank. I hung up in disbelief. 

Why? I have paid them a service & I have to fix THEIR mistakes. I still dont have an answer and I called a week later. Customer service still confused. Said they would report to manager. I have still heard nothing. 

I am trusting Freedom Debt Relief with my debt and they messed up to the point I feel like of no return. I am considering an attorney. I have no idea how much in fees I have paid to this company based on an account that is NOT mine. I do not trust their word. This is not my debt that is enrolled to my account and I have no account associated with it. All customer service could respond with was, This is weird. 

So, I told them I am not paying them until this issue gets resolved. I keep getting notifications how a funds delay could hurt my chances at settlement. I am not at fault here. 

Today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how XXXX XXXX has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, XXXX XXXX has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with XXXX XXXXXXXX, which was fully paid off and closed in XXXX, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with XXXX XXXX but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with XXXX XXXX regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with XXXX XXXX. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

Sincerely, 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 2023-11-19 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: MOHELA
State: MN

Complaint narrative:
I have a loan through Mohela and have been placed on Administrative Forbearance for several months so I am not allowed to make payments on my loans and this doesn't count toward PSLF. This is absolutely ridiculous. They had over a year to get their paperwork together while my loans just sat there over COVID and now I want to make payments to help decrease the amount of interest accruing BUT I CAN'T. This is a completely unfair practice. I did not agree to this when making my loans.

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 2023-11-19 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: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to rectify or expunge inaccurate, incomplete, or unverifiable information within a stipulated timeframe, typically 30 days. It has come to my attention that XXXX is currently in breach of FCRA regulations, as the company has failed to conduct a thorough examination of disputed information and subsequently eliminate the aforementioned data from my credit report. Instead, XXXX persistently reports information that is inaccurate, inadequately verified, and incomplete. 

Upon disputing the accounts with Citizens, it was observed that inaccurate and incomplete information, including but not limited to the date of last payment, reported balances, payments made, and account history, was provided by Citizens. A proper investigation by XXXX would have revealed a recurring pattern of inaccurate reporting by Citizens ' Bank spanning at least six months. Notably, the same Citizens account appeared twice on my credit report for extended periods, with varying account opening dates and balances. It is imperative to highlight that this account, opened in XXXX, is no longer legally valid. 

In a recent dispute, XXXX removed one Citizens account from my credit report, which indicated an account opening date in XXXX and a duration of over 16 years. However, XXXX allowed Citizens to renew this aged debt by presenting the second Citizens account with a " no info '' designation for the date the account opened, accompanied by other incomplete information. This renewal of the account, coupled with persistent violations of debt collection laws by Citizens and its predecessors, has adversely impacted me in various ways over the years. These repercussions include hindrances in employment considerations for the year XXXX, imposition of higher interest rates on financial transactions such as my car loan in XXXX, and disqualification for loans or credit cards. 

It is essential to note that consumer reporting agencies are prohibited from reporting outdated negative information. Therefore, the continued reporting of this loan from XXXX, which has been charged off and renewed for an extended period, raises significant concerns and further underscores XXXX 's non-compliance with regulatory standards. 

Citizens and their predecessors are currently found to be in contravention of the Fair Credit Reporting Act ( FCRA ) as they serve as furnishers of information to consumer reporting agencies. Notably, they are supplying data that is incomplete, inaccurate, unverifiable and includes negative information that has become outdated. The provided information has not undergone adequate and sufficient validation processes, raising concerns regarding its legal collectability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Paypal has violated FCBA by illegally assessing fees after claiming there would be none.

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 2023-11-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: SC

Complaint narrative:
Someone is trying to open a credit card under my name. Twice in two weeks, Chase has done a credit report request to issue the card. After reporting it once and putting a freeze on my credit report- they allowed it to happen again. They are using my maiden name, which I haven't had for twelve years and my credit keeps going down because of the hard pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have sent a copy of my Drivers license and mail to show my address but they will not move incorrect information and I will insert the laws that they are breaking form FTC, CFPBand NAAG. tHANK YOU FOR ALL YOUR HELP WITH THIS MATTER.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to file a formal complaint against Capital One for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how Capital One has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, Capital One has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with Capital One, which was fully paid off and closed in 2021, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with Capital One but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with Capital One regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with Capital One. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: NC

Complaint narrative:
There is a new account on credit report that does not belong to me. 
My credit report is frozen so they should not have been able to open a trade line.

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 2023-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
During 2023 I was charged {$290.00} in interest. I called numerous times to have payments reallocated to revolving balances instead of be allocated toward special purchases that were not due in full until a future billing cycle. As a result, I was continually incurring unnecessary interest charges. There were times when the interest saver payment was incorrect. I called Capital One to explain this and they could not explain to me how it was calculated. I was charged interest even though I was making payments in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — FHA 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: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I notified my mortgage servicer that I had lost my job and wasn't able to continue making mortgage payments while unemployed. 

They approved me for an XXXX XXXX XXXX. There was very little information on the website about processes and procedures. Additionally, I received no information as to timeframe of acceptance AND my mortgage servicer continues to report my non-payment on my credit report even though they're not supposed to. 

I spoke with them in XXXX and noted that they are reporting the past due status on my credit report and was told it would be taken care of but it has not.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
i called the credit card company after I found out someone applied for a credit card in my name. The credit card was denied, but someone has my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
me and my boyfriend were messaging this well-known XXXX XXXX XXXX XXXX which we come to find out he was impostering this account. It was a fully verified account with XXXXXXXX XXXX XXXX told us to wire money to this specific account for a watch we did and no one responded and we got no watch

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I have called many times asking to be taking off this car loan account joint with XXXX XXXX. I have never seen or drove this vehicle ever, and it is hindering my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Someone opened a checking and savings account and debit card using my name, address, DOB, SS, and email account. 

Contacted Chase Banking Online at XXXX XXXX XXXX XXXX XXXX spoke with Fraud Dept . Who had to have my driver 's license number and other personal information? Was a report was filed and I would receive paperwork in the mail and the accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: Velocity Portfolio Group
State: NC

Complaint narrative:
Checks prime investments is a debt collection service. How did this company open a trade line in consumers name. This is called fraudulent activity! 

If this was a collection it is to be reported as a collection. You can not open a trade line in a consumers name.

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 2023-11-19 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: PA

Complaint narrative:
The following inquiries in my file is fraudulent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX My name is XXXX XXXX XXXX XXXX XXXX The following names are not my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address : 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