vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Around XX/XX/XXXX I contacted Navient to get my account taken care of and gave them my XXXX  XXXX XXXX XXXX. In the meantime, I had an issue with XXXX  and changed my direct deposit and finances over to XXXX XXXX. I contacted Navient spoke with a customer service rep and provided the account and routing number and asked that XXXX be the autopay account to draft on. I signed requisite forms etc. Then on XXXX, XX/XX/25 I received multiple phone calls from Navient accusing me of not making the payment and autopay had not been moved from XXXX to XXXX. I logged into the account and shared with customer service the details of my previous conversation with Navient. She responded asking me if I had the payment? I told her yes I did and it was a human error that the last rep did not follow through on XXXX being the autopay account. After she took my payment she shared that her " system '' could not process the autopay nor the deferment recently agreed upon. She promised she would call me back at XXXX XX/XX/25 to complete the autopay and deferment. No call back and my account is still outstanding and its harrowing to communicate with Navient. The reps talk over me, they don't llisten, nor do they honor their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF OMAHA
State: OR

Complaint narrative:
I opened up a new account with XXXX  which is associated with FNBO Direct where I also have an account. Soon after I opened up the account they restricted my access to my funds and did not notify me. I only noticed when I logged in and it stated my account was restricted. They do not have anyone available to speak with and you have to use chat where they get back to you in 2-3 business days. 

They have not responded to why my account funds are frozen. They came from a bank they are affiliated with and I have had for years, FNBO Direct. 

This bank seems like a scam and should be shut down.

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 2023-08-29 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: CA

Complaint narrative:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 an 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 explanation
Consumer complaint received 2023-08-29 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:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I was a resident of XXXX XXXX XXXX managed by XXXX XXXX, after losing income I decided to turn in my unit as I was no longer able to keep up instead of being evicted. Not only did XXXX accept my move out request and I agreed to be responsible for lease termination and month of XXXX rent that was not paid. At end of day on XX/XX/XXXX I fully vacated my unit and took pictures to support taking everything out my unit and left how I received the unit. There was additional fees added on and no real explanation, there was a charge particular for furniture removal which was false because I left unit clear. The company did provide a report that was date and time stamped showing that my unit was accessed without my consent or knowledge by maintenance staff for said pictures provided. I did provide UDR and GENESIS with this information as well alongside support photos to XXXX, GENESIS denied to accept said pictures and it was denied being reviewed due to me telling the collection rep that I do not have the ability to pay the balance in full at this very moment. I did ask for a payment arrangement in which I have emails from company directly offering a inhouse payment plan then the next week it was placed in collections. The door locks are electronic and should be time stamped and each and every entry, When asked to provide this information, I was again denied access and DEMANDED to pay balance in full before threating that if I do not pay he will have acct placed on my credit. They also do not have my legal name correctly but from the reviews I see this is there common practice for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ

Complaint narrative:
On XX/XX/23, my husband and I went into contract and applied for a XXXX mortgage with XXXX XXXX loan officer XXXX XXXX. He requested all document from me which was sent within days. For two weeks, I did not hear from him. I would email him and no response. On XX/XX/2023 after the missed closing date, I emailed him about the negligence practices of the company on handling my application which I cc the corporate headquarters. The same day he reached out stating they were starting another application. I again submitted everything for me and my husband with quotes, income, tax returns and IDs along with a letter stating I am a 100 % XXXX veteran. As of today, the company has ran my credit four times in the timeframe which dropped by credit score by XXXX points. They are now telling me that its still in process and can not give me a closing date. I feel as though they are trying to drop me as a client due to their negligence. I need help. I just experienced the same thing in XXXX with XXXX XXXX XXXX with the loan officer committed fraud with my application and I lost my house because of the timing of notification within 6 days of me closing on another home. Now, we are living in a house with no air and was not ready for tenants to move in but we had no where to go. These mortgages companies do not care about the clients and continue to give us excuses for their inability to do business. Everyone should be accountable for their actions and mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: AL

Complaint narrative:
I was frauded by someone posing as a professor at my university offering a remote work position by spoofing and redirecting his email. I was emailed a check for {$2500.00} on XX/XX/XXXX and cashed it on my phone into my Charles Schwab Bank account on XX/XX/XXXX. I was told to send {$710.00} for my supplies to a XXXX account under the name of XXXX XXXX, which shows up on my bank history as XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the check I initially cashed on XX/XX/XXXX was returned and the amount was taken out of my account. I initiated a dispute with my bank on the XX/XX/XXXX and received notification from the bank that the funds could not be recovered on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount GR Holdings, LLC
State: OK

Complaint narrative:
I signed up for Solar Panels through a company called XXXX XXXX. I was quoted one price and when I received the price from a company named Goodleap who financed the Solar Panels the panels were twice the amount and the company XXXX XXXX did not finish installing the panels. Goodleap contacted me and said I have to make my monthly payment on the panels regardless of wether or not they installed them because I electronically signed the contract. My panel have not been finished and Goodleap is calling and texting me daily for payment. I went on the XXXX and Goodleap and XXXX XXXX have over 300 complaints of doing the same practice nationwide in the USA. I tried contacting XXXX XXXX to finish the installation of the panels and no reply. Goodleap has been calling other people in my neighborhood and telling them they can get a loan consolidation to pay them off and put their homes on the consolidation. this would mean you have a lean on your home. this is a a nationwide scam. I filed a report to my sate AG and making an appointment to speak with my congressman and sending this Information to any news channel that will investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 an 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
A COLLECTION BY THE NAME OF JEFFERSON CAPITAL SYSTEMS ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX ) WAS PLACED ON MY CREDIT REPORT DATED XX/XX/2023 with a balance of {$3000.00}. THIS COLLECTION IS INACCURATE AND DOES NOT BELONG TO ME NOR WAS NOT APPROVED BY ME. I REACHED OUT TO THE SAID DEBT COLLECTOR AND HAVE NOT RECIEVED A RESPONSE WITHIN THE 30 DAY PERIOD GIVEN. PLEASE REMOVE THIS OFF MY CREDIT FILE, IT IS DERROGATORY AND PREVENTING ME FROM ESTABLISHING NEW CREDIT LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was charged unexpected interest that accumulated over time. I was never informed by the company that I used to have windows installed in my home that this would be the case with the third party company used for the payment plan, which is Synchrony Bank. 

I called the Synchrony Bank and the XXXX informed me that she attempted to refund me the interest charged, but that she could not override the system because it was past the 30 day grace period. It should be noted, she mentioned that the higher ups block this capability and she agreed this was unfair. 

I would like to inform you as well, that I did not pay off the windows ( loan ) in full because we were awaiting the final inspections from XXXX XXXX and the windows company was constantly remiss in sending the necessary documents for the inspectors. The final inspection did not happen until this summer. This was a constant issue with the window company, which communication has been remiss as well. The Synchrony Bank charged me the interest in 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I went to the denist on XX/XX/XXXX and charged XXXX to my care credit. I have had this card for a couple years. I guess it was a promotional purchase and I had XXXX  years to pay off. I did not know that. On XX/XX/XXXX I made my payment and I don't see anything. On XXXX payment comes around I notice an interest charge for XXXX. 
I called and they said I owed XXXX on my promotional purchase and I was XXXX day out of the grace period. I was charged XXXX percent interest on the XXXX each year. 
The representative went on to tell me I have to call and tell them to add my money on what promotional purchase I have. I was not aware I even had promotional purchase. I thought it was all standard. Why does care credit have autopay, online pay, and automated system to pay if you have to call and tell them where your payment should go.. I never got any email stating I have XXXX dollars to pay by XX/XX/XXXX or I would have to pay XXXX dollars. I feel taken advantage of! I thought the promotional purchases were just when I opened the card up

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 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, submitted forms via email and physical mail requesting our PMI be removed by the mortgage company on account of having the required amount of equity to remove the PMI. The mortgage company replied by demanding they assess the property value with an XXXX of THEIR choice. While researching the legality of this, they sent a second letter denying our request, roughly in line with the same time that our property taxes increased to an impossible amount and XXXX XXXX assessor deemed our property had increased by over 68 %. We purchased the home for {$260000.00} with a {$20000.00} down payment in XXXX and currently owe XXXX but the assessor deemed the property {$380000.00} this year. It was especially disheartening to get the rejection contesting my property taxes the same day as the mortgage company denied removing PMI, and now I'm faced with being forced to sell my house because my expenses so drastically exceed my income. I have XXXX children and my wife works in XXXX, but due to inflation, our mortgage company committing PMI fraud against us, and XXXX XXXX assessor ballooning our taxes, I have to take my family and go rent. This is the American dream?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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:
On XX/XX/2023 I sent my FTC report, Florida driver 's license to XXXX, TransUnion, and XXXX. I have notified them about fraudulent accounts on my consumer 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 2023-08-29 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: FL

Complaint narrative:
On XX/XX/2023 I sent my FTC report, Florida driver 's license to XXXX, XXXX, and Equifax. I have notified them about fraudulent accounts on my consumer report.

Company response to consumer: Closed with explanation