vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Back at XX/XX/XXXX of 2022 I was talking to somebody online that I thought I can trust and I gave them my credit card. The problem is that I was being scammed at the time and I didn't even know it That was trying to send {$3000.00} to my account The company that I was with that provided that credit card they restricted and all they ask was can they have a bank information of that money that they provided and I told the person that's all they need and she couldn't do it. I try to reason with her wouldn't do it and remind you I never even seen this person that one bit not one time of my life I never saw this person I went to the police to tell my situation to do investigation to a point is that they can't do nothing because they are in XXXX. I told the company out with my situation they don't want to hear it because they just need the he bank statement I talked to the manager and I thought things was taken care of I even asked him to run investigation on this he said yes is give them two weeks 2 weeks has now passed I literally just got done calling them and then do nothing because it keeps saying the exact same thing They can't start no investigation without the bank statement and I told him my situation over and over again I got to a point that I even asked them What do I do? I said to them you know my situation You know I've been scammed by them You're not getting the bank statement from them They have not even reached out to me not one time They are from XXXX They know all this information and yet you won't help me and all they can say is well if you can just pay off the balance that I owe the credit card everything should be fine it's up to {$4000.00} I tried everything with this company and nothing 's getting done I don't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: NY

Complaint narrative:
This complaint shall serve notice that I am locked out of my account and unable to comply with the UCC ( Uniform Commercial Code ) of submitting/catching fraud within the 90 days by law and also Regulation E of XXXX rules and regulations. 

I do not know my account number since I am locked out of the account, but the email address that is associated with the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2021, mortgage documents were executed with lennar mortgage/lennar homes XXXX and we were decieved by the product and community promised by lennar mortgage/lennar homes. Builder didnot disclose Red paint that would be painted through out the community, builder didnot disclose the monument being installed .the actions of lennar mortgage/lennar homes are depreciating our home value.

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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On multiple occassions, XXXX XXXX XXXX XXXX and Radius Global Solutions, these collection agencies have violated my agreement to take a single payment towards a debt that they are trying to collect. They have taken both more than the amount agreed to ( in writing ) and processed payments when they were not authorized to do so. This illegal activity has caused my bank accounts to be overdrawn- which these companies are now threatening me with more legal action due to the NSF incidents that they caused. 

Their approach on the phone is aggressive and threatening. They are calling me everyday when they have been told to stop harrassing me. 

The harrassment began in XX/XX/XXXX and has continued as recently as XX/XX/XXXX. 

The firm XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX and was responsible for the unauthorized charges to my bank account in their attempts to collect a debt. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NH. XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX Then, on XX/XX/XXXX, the firm Radiuis Global Solutions began harrassing me about the same debt. Their contact information is : Radius Global Solutions LLC XXXX XXXX XXXX XXXX : XXXX Office XXXX Fax # XXXX These firms appear to be the same company with the same main office and fax numbers. They are representing to be different companies and are causing a lot of confusion to an already stressful and scary situation. 

Additionally, both firms has repeatedly called me ( daily ) and have not left voice messages. This constant barrage of calls is intimidating, even after I have told them I am unemployed and unable to make the large payments they are demanding. 

Most recently, they have threatened me in an email to take further legal actions against me- asking for my attorney 's information to take the situation further. 

They have threatened me with state law penalties for the continuing issuance of NSF Payments- which they are the cause of from unauthorized attempts to collect a debt and have placed economic restrictions to make any payments by removing the option to pay by check. They are threatening me that I am committing a crime by not paying these charges. 

Most recently, they sent an email explaining they 'found more bills ' that I owe from other companies that are not related to the original debt. I feel overwhelmed by how they are threatening me with even more legal actions without providing any proof of debt or proof that they are allowed to collect on behalf of the vendor. I didn't receive notice of right to dispute and I didn't receive enough information to verify debt. These newly presented bills are very old debt.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXX account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my 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 non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXX XXXX XXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Hard inquiries file on my credit reports have sent letters in that the inquires are incorrect and now filing a complaint XXXX it is affecting my credit and the ability for further future endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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
State: MN

Complaint narrative:
My loans were originally serviced by XXXX XXXX. On XX/XX/XXXX, I submitted the attached form to XXXX XXXX in order to request loan forgiveness. Based on previous work experience, this would have put me at 120 payments. I called XXXX XXXX and they verified that all my employment verification paperwork was correct and that I had 120 payments required for forgiveness. 

XXXX XX/XX/XXXX, my loans were transferred from XXXX XXXX to MOHELA. It took approximately 3 weeks for my loan information to show up in MOHELA 's website. When the information did show up, it showed that there were 111 payments that were eligible. 

Payments from XX/XX/XXXX until XX/XX/XXXX are marked as " Employment Not Certified '' even though the attached document clearly states that I was employed at a XXXX XXXX during this time. Payments past XX/XX/XXXX ( XXXX XXXX XXXX  ) have been approved and I have not changed employers during this time. 

I called MOHELA on XX/XX/XXXX to ask why the payments did not come over, and they stated to upload the PSLF Application again to their website in order to verify the form was correct. The customer service representative further verified that I had enough payments and that it was filled out correctly. I was told that it would take up to 90 business days in order to process this form. 

Around the end of XX/XX/XXXX, the form went from a status of " Processing '' to " Processed ''. I waited a few days for the website to reflect the additional qualifying payments, but it remained at 111 qualifying payments. They still did not count the payments from XX/XX/XXXX until XX/XX/XXXX. 

I called MOHELA on XX/XX/XXXX to voice my concern about the payments not being correctly applied. I stepped them through the process, and the representative agreed with me. The representative told me that it would go back into " Processing '' and would be reviewed within _another_ 90 business days. 

This is now 6 months of waiting on a correct form to be approved. Multiple agents have verified my paperwork and employment. Instead of processing the form, they are purposefully delaying me 90 business days whenever I speak to them. 

This is an unfair business practice. I have jumped through all of their hoops and my forgiveness just keeps getting pushed further and further into the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is against Experian. I sent Experian a letter dated XX/XX/XXXX because after reviewing my Experian credit report, I noticed a collection on my credit report and I believed this collection was not mine. Also this collection is damaging my credit score. 
The letter stated that this collection was inaccurate information being shared and reported by Experian and that Experian needed to verify the accuracy of this collection. ( which means provide all documentation that Experian has on file that was used to verify this collection. ) if they could not provide documentation, then remove it from my credit report. 
This has not been done by Experian. Experian continues to provide improper disputes. When a dispute is opened with Experian, the response is a generic one, stating the collection is verified. ( When they have actually done nothing. ) In accordance with the Fair Credit Reporting Act Experian and XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 

The information regarding this collection is below and shows exactly how it is viewed on my credit report. I can provide other documentation as well. 

XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX. 
{$2900.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2900.00} Paid off XXXX  % Monthly payment - Past due amount {$2900.00} Terms 1 Month Responsibility Individual Your statement **CONSUMER STATEMENT** THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number # XXXX. 

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 : Also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have listed below the accounts name number and addresses. 

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCXXXX 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  Very Respectfully, 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have listed below the accounts name number and addresses. 

Name : CCB/ ULTA  Account # : XXXX Address : XXXXXXXX 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 CCB/ FE21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation