vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I recent reviewed my credit report, i had noticed fraudulent accounts on my report. these items are hurting my ability to obtain credit, please remove these accounts from my report. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Auto Finance denied a refund of my XX/XX/XXXX {$400.00} lease payment period for the month of XXXX, after I returned the car XX/XX/XXXX. Chase Auto Finance denied there are errors in their Payment Summary which contradict my XXXX Chase Payment Statements. Obvious error are on Payment Summary 1. " pmt due '' XX/XX/XXXX " eff.date '' listed paid twice XX/XX/XXXX and again XX/XX/XXXX. XXXX. " pmt due '' XXXX should be listed as XXXX, and XX/XX/XXXX as can be verified my monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I contacted the company via email submitting a complaint and requesting the company refund money to the loan for services not rendered. The company confirmed receiving my email and provided me with a ticket number. I have yet to hear back from the company regarding my complaint. Ive called several times to no avail. The loan was issued for a home renovation project, the company XXXX XXXX XXXX XXXX referred me to Momnt for the loan. Momnt is aware of the pending legal action Ive taken against the company for fraud, however, they havent reached back out to me nor followed through to protect me as the consumer. 

Below are important identification numbers : Ticket number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act Exeter Financial, has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor can not treat a payment, under an open an consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I have several disputes and chime told me they credited my account but I never received it.Here recently chime has been taking money from me and their telling me that it's stores that ain't even on my account my money just disappeared and they shut down my account when I told them that I wasn't going away until I get my money that I received from SSDI.Because of what their taking from me I can't take care of my self as far as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chime has stolen a lot of money from me and I really need help getting what's owed to me and hopefully more because of the problem they have caused.It ain't right that chime can get away with stealing from me and mentally and physically tearing me down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
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 has violated my rights. I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
Dear FTC and CFPB, I am writing to file a complaint against CNAC IN101. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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

Complaint narrative:
I have been unable to access your website for 4 months ever since they have switched to a new web platform. The only way I can make payments is by calling. This means I am unable to see what I owe beforehand, having to find out after calling which puts me in a difficult situation as I am normally on hold for 2 hours generally and can not prepare the amount needed beforehand, I just have to guess. I have tried everything but no luck, even trying to create a new account on their website, and can't continue to two hour calls every week just to be told there is no solution to get access to the website resolved. I was informed the ticket was closed however issue is still not resolved and I continue to get an error every time I log in preventing me from seeing my loan details, getting my tax information, etc. I have reached out to everyone I can but they refuse to assist 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 2024-11-02 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: Fay Servicing, LLC
State: NJ

Complaint narrative:
Currently, Im in a XXXX XXXX  with this organization. I initially try to do a payment plan with them to reduce the payment owed and to be done with the bankruptcy to have a discharge intend to continue with adding fees stating that I wasnt making any payments on top of that dealing with double payment due the bankruptcy because of fees, I am paying with them, and they refuse to give me emails or confirmation of proof of payment. They refused to give me a payment plan which I am already paying in double to avoid foreclosed. They have come out and posted my property up as a BPO. They have also brought in people to my door to place a notice and put a foreclosure notice on my door, knowing that I am in bankruptcy XXXX XXXXXXXX while making my payments they still say that I am {$14000.00}? how when the lawyers know payments were made up if late a month while still paying the trustee XXXX have been making payments due to trustees and through them if I was delayed payment through the mortgage company, I paid them and gave a statement showing that. I was current when they realize that the bankruptcy was coming to close. They added {$14000.00} debt saying that I owe an additional to what Ive already paid which was XXXX this is Highway robbery. I am in conjunction with my bank and money orders sent to prove these payments sent to these offices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
I am writing to report inaccurate information on my consumer reports from Experian, XXXX, and XXXX, resulting from identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I did not authorize the inclusion of these transactions on my reports. This is my official request that this account be permanently blocked and removed, as it is reporting adverse 30-day or more late payments. This is inconsistent with the record, which shows a payment made in the prior month. Additionally, there are discrepancies between the account numbers and account names. This incorrect information is harming my ability to obtain new credit. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
I am writing to formally request the immediate removal of all fraudulent, inaccurate, and outdated information and inquiries from my credit reports with Experian, XXXX, and XXXX. Upon reviewing my credit reports, I have identified multiple entries that are negatively impacting my creditworthiness and financial health. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and seek its prompt removal. The discrepancies and fraudulent activities identified on my credit reports include : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. To substantiate my claims, I have attached copies of the following documentation : 1. FTC Identity Theft Report 2. Proof of my identity, including a copy of passport and social security card. 
Despite my repeated efforts to resolve these issues directly with the credit reporting agencies and the data furnishers, the inaccuracies persist. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit reports. 

I would appreciate a swift resolution to this matter and request written confirmation once the corrections have been made. 

Thank you for your prompt attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been receiving calls from SEVERAL debt collectors that have all been using excessive means to contact me, borderline harassing me. Any time I block one of their phone numbers, they will call from another. If I do not answer their call, they will then call from a private/blocked number. I have all spam settings enabled on my phone. I have tried using the # 66 # and other codes to stop calls w/o caller ID, spam detected, etc. and still receive calls. 

When I say I receive calls, I mean I have about 52 voicemails A DAY - all from an automated voice leaving a message- as well as almost 100+ missed calls. This has been going on since I lost my job on XX/XX/XXXX. They started as soon as XX/XX/XXXX. Just last week, I found a new job and will be paying them whatever I'm able to in order to get them to shut up - but I'm not going to just let them get away with this insane amount of phone calling harassment. 

I have not been able to sleep in at all. I have been woken up by their calls every single day, and I have to have my phone on because I have a kid- I shouldn't have to mute my phone because they're disrespectful and relentless with calling. I just started my new job, and my phone is constantly vibrating and going off throughout my shift. It has made my battery drain quickly to the point where I have to plug my phone in several times a day now, wheras it normally holds a solid charge until the very end of the day. 

As I'm typing this out -- they literally called me 3 more times. 

I have never in my life dealt with something this insane before. I never in my LIFE have received so many phone calls PERIOD let alone calls from a debt collector over the smallest balance out of ALL OF MY CREDIT CARDS/DEBTS. It's for a XXXX XXXX card that literally is almost paid off. I mean less than {$100.00} kind of paid off too - I have major credit card debt with another company, and they don't even call me more than once a week. Comenity is relentless, they are annoying, they are disrespectful, and they have made me want to throw my phone across the room multiple times a day. No matter what I do they won't stop- and I've made it clear that I was UNEMPLOYED DUE TO BEING A VICTIM OF XXXX  XXXX. This extra layer of harassment isn't okay and I'm at wits end. 

XXXX XXXX  XXXX Started calling XX/XX/XXXX. 
- Most recent call XXXX - as I'm typing this. 
XXXX Robo/automated voice trying to collect a debt. 
- Calls as early as XXXX - will call up until XXXX. 
- Receives upwards of XXXX voicemails a day. 
- Calls me about XXXX times a day. 
- will attach a screenshot of all the numbers used so far, as every time I block one, they will call from another or from a 'private number. ' I actually can't even send screenshots of all of the calls/voicemails left because it wont let me upload that many files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Subject : Urgent Request for Refund of Outstanding Charge Dear Chase Corporate Escalations, I am writing to follow up on an unresolved issue regarding a refund for a service that was not delivered. I had ordered XXXX XXXX XXXX from XXXX XXXX, XXXX, but the service was not provided. The merchant agreed to a full refund in writing but has failed to issue it. 
I contacted Chase and provided proof of the merchant 's admission of negligence and fault. Despite this, and despite filling out a form from Chasewhich I found misleadingI submitted the form to a Chase teller in XXXX, NC. 
Chase has refunded 2 of the 3 charges, but the remaining {$36.00} charge remains unresolved. I believe this delay may be intentional. Additionally, Chase sent the form by mail and required its return on the same day, which was not feasible. 

I plan to request the North Carolina Department of Justice ( NCDOJ ) to forward my complaint against XXXX XXXX, XXXX, to you as well. I filed an online police report against XXXX XXXX It was rejected because theft by deception complaints have to be taken by phone and not submitted online. I have been informed that XXXX XXXX has a background in banking, which might explain her ability to avoid accountability. 
Chase has all the necessary information to process the refund for the remaining charge. Please ensure that the {$36.00} refund is issued promptly. This request also aligns with the American with Disabilities Act ( ADA ), as timely resolution is crucial for me. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX goes by the names XXXX XXXX and XXXX XXXX. The emails associated with her accounts are XXXX, XXXX ( XXXX XXXX ) and XXXX Also please note XXXX XXXX has refused to remove me from email list despite unsubscribing and emailing her numerous times to remove me off her email list. The latest email was on XX/XX/year>. It included the sentence " I've been dying to tell you all about it! ". When I sent an email to NC DOJ including her and informing them of the continued emails she text me twice on XX/XX/year> at XXXX and XXXX. The numbers that show up on my cell phone from her is XXXX and XXXX XXXX  should not be contacting me by phone, email, text, etc. 

Please refund the last {$36.00} immediately. Chase has all information. I also want to highlight XXXX 's service online was intentionally misleading to think it was just one charge of {$36.00}. 

I also saw a XXXX and XXXX when ordering online. 
I was charged 3 times for a total of {$100.00} In a follow up email to XXXX XXXX after numerous following up with no response she responded the service was 3 payments of {$36.00} or one fee of {$150.00}. 

This made no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
Hard- Inquiries XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
This loan was taken out in XXXX. When I left college, I applied for an IDRP which would lead to forgiveness. Throughout the years, I would periodically receive emails, where I would only have to reply " yes '' through the email, to continue to receive forebearance or deferrment. I was never told this would restart my forgiveness timeline. Now when I look at my account, it tells me I'm eligible for forgiveness in XXXX! This is completely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I ordered from a XXXX XXXX doing the holidays the packaged was delivered i never received it i waited and contacted neighbors just in case someone had it. I never found package. I informed company that shipped it was told to contact my financial institution going forward which I did a investigation was open several times in seperate months and years it was determined the company was in the right a pic was sent to me of someone else apartment not mines although Chime was informed of this it was never corrected or fixed.

Company response to consumer: Closed with monetary relief