vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
This credit card account was opened in my business name using my EIN originally with XXXX XXXX. However in XXXXXXXX XXXX XXXX I was notified that XXXX XXXX had sold the debt to servicing solutions company who not only attached the debt to my personal credit using my personal social security number, they also hiked the interest rate sky high and changed the payment due date. My business had never missed a payment, and was never late prior to Servicing Solutions taking over the debt so there should have been no reason for the interest hike. Also, my information was leak in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I feel that is how servicing solutions obtained my personal social security number to attach the debt to. When I asked to be sent information validating and explained the interest hike etc, they sent their own companies general information that was not pertaining to or geared specifically towards my account personally. This is unacceptable and in my opinion fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
I had an ACH bounce from issues with an account i have with Financial Pacific Leasing on XX/XX/XXXX. I went online and paid the agreed monthly payment on XX/XX/XXXX and included a few extra dollars. Verification from the system of the payment was obtained that day, funds from my account to them were paid ( they stated payment recieved on XX/XX/XXXX when i called on the XXXX ). They then sent me a notice of past due balance for the entire payment with a late fee. I called and left a voice message and replied to the past due email with all documentation of payment made. They are now adding a late fee to the upcoming payment on XX/XX/XXXX along with an additional misc fee. I have tried to help them resolve their negligence for 20 days and with 10 days til the next bill, they will attempt an ACH that will not clear as I will only have the monthly payment in the account they should legally pull. This will cause an ACH fee I will require reimbursement on when the bill is corrected for this and the fees. I will continue to call them as the the ACH bounce date to resolve this issue until the bill is corrected or they pick up the equipment breaching the contract. I am looking for assistance to resolve the issue and if not then documentation of my attempt to do so.

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 2025-01-05 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received an email today from my credit card company that I received a major derogatory mark from XXXX XXXX. I thought it was unusual because I make regular on-time monthly payments for XXXX and then I got another notification email from my credit reporting company, XXXX that my account has been affected. I went to my account and it says that XXXX XXXX put a major derogatory on my account and my credit points went down by XXXX! I never received a single email, phone call, or letter in the mail indicating that I owed them money. This is madness and XXXX needs to be held accountable and I want this to get fixed as soon as possible. I have documents to prove that I am a XXXX customer, and haven't used XXXX XXXX XXXX XXXX! This doesn't make sense especially the fact that they didn't even bother to contact me about this issue. The only thing I can think of is that may have gotten the phone numbers mixed up, and I have also changed my phone number quite a few times. If you need additional documentation please reach out to me and I can provide additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I LOST MY JOB IN XX/XX/XXXX I WAS UNABLE TO FIND A NEW JOB AND MY UNEMPLOYMENT RAN OUT IN XX/XX/XXXX. I CONTACTED RCAP AND THEY HELPED ME TO APPLY FOR THE RAFT PROGRAM. DUE TO XXXX NOT SENDING ME STATEMENTS I HAD TO CONTACT THE CFPB THE FIRST TIME. UNFORTUNATLY BY THAT TIME MY APPLICATION HAD ALREADY REACHED THE DEAD LINE AND I HAD TO REAPPLY FOR RAFT. XXXX WAS MADE AWARE OF THIS THE ENTIRE TIME YET THE ESCALATED THE MORTGAGE TO FORCLOSURE ANYWAYS. I HAVE WRITEN CONFIRMATION STATING THAT THEY NEW ABOUT THE RAFT PROGRAM AND THAT I WAS USING IT. THEY HAVE RECEIVE THE RAFT PROGRAM PAYMENT AND SENT ME CONFIRMATION STATING AS SUCH, YET I STILL HAVE NOT RECEIVED A STATEMENT ADJUSTING THE REINSTATEMENT PAYMENT FOR THE DIFFERENCE OF THE AMOUNT.

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 2025-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I attempt to use the card online on XXXX and also tried to pay through phone, both transactions got declined twice ( see attached amex transaction history ). Same problem occurred on XXXX last year. Balance on card was {$500.00} and is plenty enough to pay for the charge of {$140.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Multiple customer service requests to pay hazard insurance premium through escrow account. Mr. Cooper will not make the payment to XXXX after each request. They have all of information and all of the power to make sure their loan and my home is protected, yet they fail to make the payment after every time I request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
*Complaint to CFPB Against Equifax Regarding XXXX XXXX  Account XXXX XXXX XXXX Subject : Violation of Reporting Standards and XXXX XXXX XXXXXXXX Rule XXXX Dear CFPB, I am filing a formal complaint against Equifax regarding inaccuracies XXXX my credit report concerning my XXXX XXXX account XXXX XXXX XXXX. Despite multiple disputes over several months, Equifax has failed to correct the inaccurate information. Below are the details of my concerns : Account Details Account Name : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Date of XXXX Delinquency : XX/XX/XXXX Date of Major Delinquency Reported : XX/XX/XXXX Issues Identified XXXX. Contradictory Information : In response to my disputes, Equifax has stated : This creditor has verified to our company that this account has not been closed. 
However, Equifax itself lists the Date Closed as XX/XX/XXXX in my credit report. 
This inconsistency raises serious concerns about the accuracy and validity of the information provided by Equifax.

2. Failure to Disputes : Despite my numerous disputes, Equifax has not made any effort to investigate or correct these errors. Instead, they repeatedly provide the same unverified response, failing to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

3. Violation of New York State Rule 380-J : As a resident of New York , I am protected by New York State rule 380-J, which mandates that a paid charge-off account must not appear on my credit report more than 5 years from the date of first delinquency. 
In this case, the Date of XXXX Delinquency is listed as XX/XX/XXXX ( but real date is XX/XX/XXXX ), meaning this account should no longer appear in my credit report after XX/XX/XXXX. 
Equifax, however, reports the Date of Major Delinquency as XX/XX/XXXX, suggesting it plans to keep this account in my report beyond the allowed timeframe. 

Requested Resolution 1. Immediate Correction : Remove the XXXX XXXX  account ending in XXXX from my credit report, as it violates New York State rule 380-J and contains numerous inaccuracies.

2. Compliance with FCRA : Investigate the disputed information thoroughly and provide a clear explanation of the findings.

3. Confirmation : Provide written confirmation of the removal of the account or the corrections made.

Supporting Documents I am happy to provide any additional documentation, such as dispute records and proof of address -Dispute result -Bank statement ( but don't tell me that is not a proof of address ) _Paystub I trust that the CFPB will assist in ensuring Equifax complies with federal and state regulations and rectifies these issues promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reviewed my credit report and identified several inaccuracies and incomplete information reported by your company. This negligence is detrimental to my financial standing and creates a false impression during financial transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reviewed my credit report and identified several inaccuracies and incomplete information reported by your company. This negligence is detrimental to my financial standing and creates a false impression during financial transactions.

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 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I'm paying XXXX a month for a loan of XXXX. I'm paying it but the loan isn't getting any lower, number never move. Something isn't right and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to this agency last month and I haven't received the investigation results

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 2025-01-05 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: TN

Complaint narrative:
Checking my credit something popped up XX/XX/XXXX for XXXX  XXXX I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called XXXX XXXX  they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is 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 2025-01-05 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: TN

Complaint narrative:
Checking my credit something popped up XX/XX/XXXX for XXXX XXXX I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called XXXX XXXX they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TN

Complaint narrative:
Checking my credit something popped up XX/XX/XXXX for XXXX  XXXX I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called XXXX XXXX they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is withholding my credit file and report.its been 3 years and it shows XXXXive called them and sent in documents to verify my identity but still having issues..I am uncomfortable sending my personal info via mail to XXXX  especially considering the data breach that keeps happening.i uploaded it thru a secure portal and got an email confirming XXXX  received said documents.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EQUIFAX is withholding my credit file and report.its been 3 years and it shows XXXX.ive called them and sent in documents to verify my identity but still having issues..I am uncomfortable sending my personal info via mail to Equifax especially considering the data breach that keeps happening.i uploaded it thru a secure portal and got an email confirming equifax received said documents.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute an inaccurate claim made by XXXX regarding missed payments on my auto loan account. I have reviewed my loan records, and there is no evidence of the occurrence of missed payments on my part. I believe the lender has reported false information to the credit bureaus or made an error in their records. 
Details of the loan in question : Lender 's Name : Truist Account Number : XXXX Loan Type : Auto Loan Date Loan Was Initiated : Disputed Issue : Incorrect reporting of missed payments in XX/XX/year>. 
Nature of Dispute : 1. I have made all payments on time and in full according to the terms outlined in my auto loan agreement.

2. I have attached proof of payment, such as bank statements, payment receipts, or screenshots of online banking transactions for the months in question.

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 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
inaccurate balances, payments weren't applied to the account as promised, unexpected interest rates and excessive fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year>, a fraud transection happened on my Best Buy Credit Card account for {$1600.00} at XXXX. I realized the fraud transection after a few days when I logged into my account to pay my credit card. I reported the fraud to Citi Bank, who manages the Best Buy credit card, immediately. They rejected my claim saying I was benefitted from the transection. So, I called them to explain that I never ordered anything from XXXX directly before nor have I received anything. So, they reponed the claim and closed it again in a week with the same resolution. 

So, I called them again to see what's going on and they told me that XXXX provided them some information that the order was delivered to my address so it was legitimate and asked me to contact XXXX directly about the issue. I contacted XXXX and they gave me order details based on my shipping address. In the order, Name, email and phone number were totally different than my details. I had some emails with XXXX and they also agreed that it looked like a fraud transection and asked me to contact bank for refund. 

Meanwhile, I received a pre arbitration from Citi bank with all the investigation they did. I dug into it and found a XXXX  tracking number for the order. There was a picture in that tracking and that wasn't our house where order was delivered. That with different name and contact information was enough proof that someone used my card to place the order. So, I contacted Citi Bank again, sent a fax with a cover letter, all proofs I had and signed Pre arbitration to reopen the claim. They opened it and closed it again within 5 days with the same evaluation that I was benefitted from the transection. So, I contacted them again to see what's going on and apparently they never looked at all the information I provided and just used the outdated information to get to the conclusion. I asked them to reopen the claim and they assured me they had opened it. When I didn't hear back in a month, I contacted them again and the representative on the call said claim was never opened back!! They told me they will open it back but now I am charged for the interest because I didn't pay off that charge. I never had a late payment in my life and now this will be reported as a missed payment and will affect my Credit Score. This has been stretching out for 3 months now and getting really frustrating. I have 3 Citi Bank Credit Card and a bank account that I am considering to close and permanently end my relation with them because of this.

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 2025-01-05 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: CA

Complaint narrative:
My roomate used my credit without my permisssion to open accounts in my name. I wrote about it in the report thank you.

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