vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted XXXX again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
BANK OF AMERICA CREDIT CARD STEALS MY MONEY FROM MY B OF A CHECKING ACCOUNT. 

IT HAS HAPPENED ALMOST EVERY MONTH THIS YEAR. I AM XXXX AND IT IS VERY UPSETTING TO BE RIPPED OFF BY THIS BANK.

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 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Good afternoon I am looking into loan forgiveness for the my loan. It was with XXXX XXXX- is there any assistance available at this time. Since the school is no longer open and never assisted me in finding employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood restricted my account today I had been trading on my account all day no problem then I looked in the settings and saw I had cash available to withdraw in the amount of {$1800.00} coming to a final amount of {$1800.00} when I tried to withdrawal my account was frozen and access to my funds where cut completely off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
BANK OF AMERICA HAS TAKEN {$40000.00} OUT OF MY ACCOUNT IN EXCESS OF WHAT WAS DUE AND PAID ON MY B OF A CREDIT CARD. THEY DID NOT RETURN MY MONEY FOR 10 DAYS AND DID THE SAME THING AGAIN THREE MORE TIMES. THEY PROMISED TO RETURN MY MONEY TO MY CHECKING ACCOUNT, BUT DID NOT. MY SON AND I HAVE WORKED ON THIS FOR 20-30 HOURS TRYING TO GET THE BANK TO PAY ME BACK. THEY RANDOMLY TAKE MONEY FROM MY CHECKING ACCOUNT AND THEN WILL RANDOMLY CHARGE MY CREDIT CARD THE AMOUNT THAT THEY WERE SUPPOSED TO REFUND. I AM XXXX, ALMOST XXXX, AND THIS IS SO UPSETTING AND I AM AFRAID THAT THEY WILL TAKE ALL OF MY MONEY AND I WILL NEVER GET IT BACK. PLEASE HELP ME. XXXX. OR CALL MY SON AT XXXX. AT ONE POINT THEY OWED ME {$81000.00} AND CURRENTLY, I DO NOT KNOW WHAT THEY HAVE STOLEN FROM ME. THIS FEELS SO WRONG.

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 2023-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I deposited a check from XXXX XXXX XXXX in the amount of {$7700.00}. When I deposited the check my account balance became {$8200.00}. Chase Bank deemed the check as fraudulent because they were unable to verify the check through a XXXX party company and closed my checking account ending in XXXX on XX/XX/2023. They ( Chase Bank ) sent me a check for {$550.00} instead of the {$8200.00} which was my account balance at the time of closing. On XX/XX/2023 I met with the XXXX XXXX XXXX about the above stated concerns. She spoke to the President of XXXX XXXX XXXX XXXX XXXX and XXXX verified that he endorsed the check, the Chase customer service rep told the bank XXXX that she could not use that as verification and she did not provide a reason as to why. My Chase checking account has been closed since XX/XX/2023 and they ( Chase Bank ) has yet to release my funds. I`ve called Chase on numerous occasions and I still do not have answers nor have they provided me with a legitimate reason why they have not returned my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # 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

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 2023-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Date - XXXX-22 / Amount - {$720.00} / Violations of 15 U.S.Code 1681 ( a ) ( 1 ) accuraccy & fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 / 15 U.S.Code 1681 ( i ) for reinsertions/ legal document letters of Cease and Desist / Harassment / Trademark , Copyright Infringement/ were issued, sent to company / consumer was never given proper legal Notice of debt within 5 days / Never was sent the name and address of Original creditor / Never sent statement informing me they assuming the alleged debt was mine, illegal third party debt company without permision to act as an authorized user on consumers behalf to report alleged fraudulent negative debt / personal information to all 3 credit beaururs XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
As of XX/XX/2023, My loan with R P Funding is now 3 months behind. Over two months ago, the state has granted home owners an approved grant to help catch up late payments. I applied and was approved to have allocated {$1700.00} towards my delinquent payments. The social Services of XXXX XXXX has reached out to the Loss Mitigation Department of R P Funding Lending of XXXX, Florida requesting a immediate response as they have held my case open for an extended times with efforts to help all qualified applicants. To advocate more for my account, I too have asked by calling over 5 times, I have reinforced the documents by fax over 3 times, I have emailed the documents request forms and additional two times to the Loss mitigation department. It is now three months sense we have requested the response of signed I-9 documents for the IRS and they again will not reply to our request. We have been told twice that they were exulting the forms to return two months ago. First they never did admit to receiving the documents. Then once they said they have accepted them four weeks later, loss mitigation representatives states they have 5 days to respond. We have yet to get the forms signed and delivered in order for the social services of XXXX XXXX to submit payments. 
They are restraining me from my constitutional rights to receive their cooperation when having a third party to pay off or on my debt to them. 
I am asking that the government jump in to help me in resolution with this company. 
I also am not sure if I need to complain to the Federal Housing Agency but I don't see why not? Please contact me for further counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this letter. Therefore, I would appreciate your timely attention to this matter and a written response outlining the results of the investigation. 

Date reported XX/XX/2023 Amount {$18000.00} Date reported XX/XX/2023 Amount {$17000.00} This collection is closed but still on my report, still reporting false and inaccurate information. Dates and amounts are different on each one of my credit reports.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE PREVIOUSLY DISPUTE! UNITED STATES BANKRUPTCY ( CASE NO.XXXX ) WITH TRANSUNION AND IN RESPONSE THEY VERIFIED THIS PUBLIC RECORD AS ACCURATE STATING THAT THEY HAVE VERIFIED WITH THE XXXX XXXX XXXX CALIFORNIA COURT . I CONTACTED THE COURT AND THEY BY LAW DO NOT VERIFY ANY RECORDS WITH ANY 3RD PARTY VENDORS. SUCH AS TRANSUNION A CREDIT REPORTING AGENCY.IT IS CLEAR THE COURTS DO NOT REPORT TO TRANSUNION! THEREFORE TRANSUNION INITIAL RESPONSE VERIFYING CASE NO.XXXX WAS EITHER AN ERROR OR A LIE ... EITHER WAY REQUIREMENTS TO NOT COMPLY WITH FCRA 611 ( 15 U.S.C.16811 ) AND THIS PUBLIC RECORD MUST BE DELETED! ENCLOSED YOU WILL FIND A LETTER OF WITHDRAWAL FROM UNITED STATES BANKRUPTCY COURT. AND INFORMATION FROM XXXX XXXX THAT I DON'T HAVE ANY PUBLIC RECORDS!..

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this 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 non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
FIRST LETTER MAILED CERTIFIED MAIL XX/XX/XXXX, XXXX TO EQUIFAX AND ALSO TO XXXX XXXX XXXX XX/XX/2023. XXXX XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF VERIFICATION OF PROOF OF ORIGINAL DOCUMENTS WITH MY SIGNATURE. EQUIFAX SENT LETTER STATING THAT THE DEBT HAS BEEN VERIFIED WITH NO ORIGINAL documentation PROVING THAT. 

Please be advised this is my SECOND WRITTEN REQUEST The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ( XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-08-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Transmitted electronically form 1099-C Cancellation of Debt was filed with the Internal Revenue Service dated XX/XX/2023. On XX/XX/2023 the Internal Revenue Service accepted form 1099-C. As of XX/XX/2023 form 1099-C was mailed to NELNET INC. at the following XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 


5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX Delete this account. 


8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation