vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
incorrect information reporting on my credit report. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
We were not informed of the XX/XX/2023 data breach, the only reason I know about it is because we XXXX to find answers as to why we can not access our loan. 

We need to pay, but we can't get a hold of anyone. Also, we have the right to know if our information was compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear To Whom it May Concern, On numerous occasions I have disputed the validity of accounts that are inaccurately reporting on my credit profile.

Specifically there are three accounts under the account name of " XXXX XXXX '' being reported on my Experian credit report. I have disputed those accounts on numerous occasions as the information that is being reported is inaccurate. Both of the other major credit reporting agencies have done their investigations and removed the account as their finding aligned with mine saying the account did not belong to me nor should be reported on my credit profile. 

To my knowledge, under the FCRA I as a consumer have the right to a 100 % accurate credit profile across all credit agencies reporting on my behalf. My credit profile can not be accurate when Experian is falsely reporting accounts that negatively depict my credit worthiness and the other two major CRA 's are not reporting said inaccuracies. 

This situation has been causing an immense amount of stress both financially and mentally on my life and I am requesting that this error be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for internet web-hosting a few years ago. About 6 months ago I cancelled the service. The company is still billing my card. The company doesnot provide telephone access any longer ( starting from XXXX ) and the chat system they provide as an alternative does not work. 
The company is called XXXX. 
The credit cvard company will only provide a phone number but tat number, as I mentioned earlier, does not work. 
I have no way to cancel my account an the credit card company will not deal with pendoing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
since XXXX since my credit protection benefits ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX XXXX of my house after requesting it be mailed to my house 5x!!!! all late fers needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
I am not able to move my money from the XXXX XXXX XXXX account I opened with them XXXX. Whether I try to move the funds from the savings to the checking, or do an external transfer to my checking, there are inevitable problems. Over the weekend I was not able to move the money from the savings to the checking, so on Monday I initiated an external transfer that I was told would be delivered/transferred by XX/XX/XXXX ( tomorrow ). Now today I get an email stating that the external transfer capability has been suspended, despite the fact that I submitted all the verification questions they required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
In XX/XX/2023, I signed up for the SAVE plan on the Department of Education website. The XXXX  indicated that it could take up to 15 days for MOHELA to process my application, which seemed reasonable. However, by XX/XX/XXXX, there was no indication that my application had been processed. All three of my remaining student loans indicated that they were on the " PAYE '' repayment plan. 
I took to the website ( I'm a millennial, I avoid talking to people on the phone at all costs ) to try to send a message to check the status of my repayment plan application. However, the website would not allow me to send a message if the topic was on repayment plans -- the website specifically states " Sorry, messaging is not available for this topic. Please choose a different topic, call us or mail us correspondence. '' At this point I was frustrated. I struggle with XXXX, XXXX, and XXXX. Forcing student-debtors to communicate explicitly through phone call prevents people with disabilities from being able to ask questions and receive quick and convenient responses ( not that messages receive quick, convenient, or ANY response, as I will later learn ). 
So I wrote a script for myself and settled in for what I assumed would be a pretty long wait, and I was not wrong. I was on the phone for well over an hour before I even heard a human voice. But what I did get to hear every XXXX seconds was an automated voice reminding me that my issue could be handled online, and wouldn't it be better to do that than wait on hold? " Yes, '' I wanted to shout, " that would be lovely! But I can't, because you won't let me! '' When I finally got through to someone, they told me that they JUST received my application, they were still processing it, and they would get back to me... eventually. But probably in the next two weeks! Well, harried after spending an hour listening to what must be the most annoying soundtrack on earth, I made sure that MOHELA knew of my displeasure, and I wrote them a complaint on XXXX XX/XX/2023. I have attached a copy here. 
Obviously they never got back to me. My three student loans each still reflect that they are on the PAYE plan. I have received no correspondence or acknowledgement from MOHELA that they denied OR approved my application. I am exhausted, and frustrated. I have XXXX, and unfortunately it's the survivable kind. So any sort of forbearance offered by MOHELA is just going to put me into more debt ( because interest continues to accrue and is amortized into the balance of the loan ). The best hope I have to ever get out from under these loans is the SAVE plan, and everything MOHELA has done so far indicates that they have no intention of honoring the application. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
incorrect information reporting. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Payment demanded by TrueAccord for a debt with XXXX on behalf of XXXX XXXX XXXX. 

I've never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I was employed for 10 years at the same company. My employer passed away in XXXX from XXXX. It was a family owned business of his and his family decided not to keep it. Therefore we all got laid off as 1099 contractors no unemployment. I called Santander And told them about the passing away and how Im a single XXXX  of XXXX kids  Ive had two vehicles with them and I pay {$710.00} a month and Ive only got two years left of my seven year loan. I am pretty good at paying my payments on time, considering how high they are, I would say, I would rate myself that I pay time about 92 % of the time and thats just being honest. I called and asked if I could refinance they said no I called and asked if I could have a payment plan they said no I needed to pay {$700.00} right then and there I explained that I am playing catch-up from two months of bills and I dont have any help. I am trying to get assistance from churches but nobody helps with car loans And its crazy to me that after being such a loyal customer, theyre the only car loan company Ive ever been with and Ive literally been with them for as long as I can remember Im XXXX and I think I was XXXX when I first went with them Theyve messed up before in the past. I remember we all got a check because they were not paying their taxes or something of the such but it was a big loss, so Im not happy with the company because I dont really trust them but it was too much for me to try to go to a new company at the time because I owe so much with this loan, I think that they could at least work with a down payment like most credit card companies do most debt collectors do in fact, most companies I know will let you do a payment plan. Im scared to wake up and my car is gone and I get fired and cant feed my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however XXXX is still showing debt amounts. I am pleading for Experian to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently found a charge for {$540.00} on my truist business checking account for XX/XX/2023. I've never dealt with the company XXXX, ever. It says 'POS transaction ' and I can tell you I've never been to your their store or bought anything online. Never heard of them. The reference number through my bank is XXXX. The authorization response code is XXXX. The last 4 of my debit card is XXXX. Truis refused my claim because they said my contract says if I dont report a charge within 30 days, then I miss my chance. I have not been shown a contract that says that. They said I needed to contact XXXX. XXXX refused to provide any information or refund the stolen money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: WI

Complaint narrative:
This company by the name of Velocity Recoveries is reporting fraudulent account information to XXXX. The date that this account was reported by their company was on XX/XX/2023 showing a balance of {$630.00} with an account number attached to it as 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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 I made a payment from my XXXX XXXX  account to my BMO credit card. I received a confirmation from XXXX  that is reflected on my checking account statement with a payment ID of XXXX and a XXXX  of XXXX and BMO insists they didn't receive the payment. I could NOT resolve this with them after numerous attempts. 

BMO says there's no record of it and so I called XXXX who has confirmed it was paid and confirmed it was deducted from my account. BMO has sent this to collections given me a late payment fee and this has hurt my credit score. 

BMO just sent me a letter that said I have a past due amount of {$270.00} instead of a payment of {$300.00} and I was forced to pay {$570.00} or have more late fees. 

Since just before the merger/takeover of Bank of the West with BMO I have had almost continuous problems with getting late mailings/not getting credit for my payments. I can prove each payment has been made each month on time. They will not accept any proof that I have offered and they keep promising when I make a payment that this time it will surely go through correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023, I initiated a wire transfer of {$10000.00} to a XXXX XXXX account to purchase an item. Shortly after sending the funds, I realized it was a scam. The person used a photo editing tool to make it appear he was in possession of the item for sale, when he wasnt. 

I notified my bank, Chase, immediately. They recommended I contact the recipient bank ( XXXX ). I then visited my local Chase branch, and the manager advised they could initiate a recall of the wire transfer. 

On Monday morning, I contacted the local XXXX branch to whom I wired funds to advise them of the wire fraud. A gentleman at the bank advised me that the account was flagged, and that the funds were frozen. 

I am now waiting for XXXX XXXX  to return the funds so that they can be placed in my Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I FILED A COMPLAINT, # XXXX ON XX/XX/23 ' AND WANTED TO INCLUDE THE ACTIONS IN THAT COMPLAINT BY UNITED WHOLESALE MORTGAGE CAUSED ME TO INCURE OVER {$3000.00} IN PENALTIES, LATE FEES & A LETTER OF " DEFAULT ON MY CREDIT REPORT " WHICH I DO NOT THINK IS FAIR & UN-FOUNDED!!!! THE DISPUTE THAT THEY CLAIM OF SENDING LATE NOTICES & MY CLAIM I NEVER RECIEVED ANY WILL PROBABLY END UP IN A COURT OF LAW BUT WANT MY COMPLAINT TO BE SEEN & READ BY YOU!!!!!!!!!! 


THANK YOU FOR YOUR TIME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: A.R.M. Solutions, Inc.
State: VA

Complaint narrative:
The debt collector identified as " A.R.M. Solutions Inc., located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX , violated multiple provisions of the Fair Debt Collection Practices Act, ( FDCPA ), 15 U.SC. Sections 1692 - 1692p. These violations are set forth below.

First, the debt collector failed to disclose in two ( initial ) XX/XX/2023 text messages that " ... the debt collector is collecting a debt and that any information obtained will be used for that purpose ... : See the attached screen shot of both text messages I received on XX/XX/2023. See Section 1692e ( 11 ) of the FDCPA.

Second, the debt collector failed to disclose it true name and/or full name in both text messages identified above. See Section 1692e ( 14 ) of the FDCPA. For example, the debt collector identified itself as " A.R.M. Debt Collector '' in the first text message, while the second text meesage identified the firm 's as " ARMS-Debt Collector. '' See the above-two text messages attached. Also, the debt collector was sanctioned by the California Department of Financial Protection and Innovation for this practice, which violated two California statutes ( e.g. Rosenthal Fair Debt Collection Practices Act and the Debt Collection Licensing Act, which incorporated all provisions of the FDCPA ). I filed a complaint against this debt collector to this state agency, which resulted in the debt collector being fined and subject to a Consent Order ( containing a Cease and Refrain Order within the Order ). See this state agency 's attached XX/XX/2023 Consent Order for this penalty regarding this unlawful XX/XX/2023 practice, which is signed by the agency 's deputy commissioner and the president/ceo of the debt collector. 

Third, the debt collector violated Section 1692g of FDCPA when it failed to provide me with the XX/XX/2023 letter ( describing my rights ) within five days after receiving the XX/XX/2023 text message. I received this XX/XX/2023 letter on XX/XX/2023, eight days after receiving the XX/XX/2023 text messages. See the debt collector 's XX/XX/2023 response letter regarding their inadequate reasons for violating the above Section of the FDCPA. Also, see the above state agency 's Consent Order, including the agency 's Proof of Service document, regarding the firm admitting that they mailed me the XX/XX/2023 letter on XX/XX/2023. 

Finally, the debt collector violated Sections 1692a ( 3 ), ( 4 ), ( 5 ), and ( b ) ; and 1692e ( 10 ) of the FDCPA, when the firm falsely stated in its XX/XX/2023 letter that I had more than thirty days ( e.g. respond by XX/XX/2023 ) to respond to this letter. See the XX/XX/2023 letter attached for this information.

Company response to consumer: Closed with explanation