vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am filing a complaint against SPS. We experienced a natural disaster in XX/XX/XXXX and it affected several of our properties in TN. Loss of rent, etc. we kept up with our payments until XX/XX/XXXX when we had another natural disaster and we got 30 days behind. They raised our payment from {$2000.00} to {$6000.00} at this point. We requested assistance, showed proof of natural disaster. They sent a right to cure which had to be paid by XX/XX/XXXX. We called in to make the payment and was specifically told that our payment would go back to $ XXXX now. It didnt. They took that payment and applied it to the {$2000.00} payment we made for XXXX to cover the now {$6000.00} payment. So instead of having paid XXXX, XXXX, and XXXX. We now had only paid XXXX and owed {$12000.00} for XXXX and XXXX. We requested assistance and they gave a payment plan of $ XXXX for 6 months. Every time we requested someone to review the natural disaster theyd say 30 days to review and another {$6000.00} would be charged rather than the normal payment. Then I received a tax sale notice from the county and learned they havent been paying the county taxes since XXXX. I had to pay the amount to stop the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX Transunion and XXXX how inquiry that have not been made by me. I am a victim of identity theft over the past Four Years And request these fraudulent inquiries to be removed.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX and Equifax how inquiry that have not been made by me. I am a victim of identity theft over the past Four Years And request these fraudulent inquiries to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I Spoke again to Wells Fargo and was lied to again about my account by XXXX. XXXX refused to give me any other information to identify her other than her name. She lied that my account was under review when Wells Fargo said it was being closed. This is blatant discrimination.

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 2024-11-23 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: CL Holdings LLC
State: MD

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems and XXXX XXXX XXXX  for multiple violations of federal law concerning fraudulent accounts appearing on my consumer report. These accounts were never given my permissible purpose to furnish and infringe upon my rights to privacy under 15 U.S.C. 1681 ( 4 ). Both Jefferson Capital Systems and XXXX XXXX XXXX  are attempting to collect on debts I did not authorize or incur, causing significant mental, financial, and reputational harm. 

As a collections agency, Jefferson Capital Systems failed to provide adequate notice under 15 U.S.C. 1602 ( k ). Adequate notice is defined as a clear and conspicuous printed notice that sets forth pertinent facts, allowing a reasonable person to understand its meaning. No such notice has been provided. Similarly, XXXX XXXX XXXX  failed to provide proper disclosure regarding the alleged debt. Additionally, under 15 U.S.C. 1602 ( p ), unauthorized use is defined as the use of an account by someone without actual, implied, or apparent authority, and from which the consumer receives no benefit. As I did not authorize these accounts or derive any benefit, both Jefferson Capital Systems and XXXX XXXX XXXX  are in clear violation of this statute.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, Jefferson Capital Systems is obligated to verify or validate debts upon request. Additionally, XXXX XXXX XXXX, as a creditor, is required to ensure accurate reporting under the Fair Credit Reporting Act ( FCRA ). This is my initial dispute of these accounts, and I formally demand the following : Immediate deletion of the following fraudulent accounts from my consumer report : Jefferson Capital Systems, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
Jefferson Capital Systems, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 
Update all late payments associated with these accounts to reflect " paid on time. '' Remove all relevant fraudulent inquiries related to these accounts, including inquiries by Jefferson Capital Systems and XXXX. 
Cease and desist all communication except via mail. 
This reporting and collection activity has caused financial harm, emotional distress, and mental anguish. I request damages totaling {$18000.00}, broken down as follows : Emotional distress : {$10000.00} Financial harm : {$5000.00} Statutory damages : {$3000.00} ( 3 violations x {$1000.00} ).

If you comply with these demands, I will consider this matter resolved. However, if you fail to comply, I will escalate this matter to federal court and seek higher compensatory damages for fraud, violations of the FDCPA, FCRA, and 15 U.S.C. 1602. All rights reserved without prejudice. Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX Re : Identity Theft Report and Request for Fraud Alert Dear Sir/Madam , I am writing to report identity theft and to request that a fraud alert be placed on my credit report. Someone has used my personal information without my permission to access and/or open accounts. I have already filed a report with the Federal Trade Commission ( FTC ) and enclosed a copy of the FTC Identity Theft Report, which includes the details of the fraudulent activity.

Please place a 90-day fraud alert on my credit file and provide me with a free copy of my credit report from your agency.

Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : - XXXX - Account Type : - REVOLVING - Account Type - Detail : - Credit Card I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fraud alert and a free copy of my credit report. I kindly request that you take immediate action to protect my credit.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and let me know the steps you are taking to assist with my identity theft claim. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX this year and they never showed up. But XXXX shows to photos of the delivery. I called XXXX and gave them the tracking number and they confirmed that the items were delivered to XXXX XXXX XXXX XXXX Apt XXXX XXXX Az XXXX. Not to my address XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX. I have disputed the charge of {$470.00} 4 times, but Synchrony back will not remove the charge because it says it was delivered. I requested each time for them to call fedex and fedex would confirm that the items were not delivered to me. I ordered 2 new cameras on XXXX because I never got the ones I ordered on XXXX. Now Synchrony bank will not remove the charges on my account. I have very good credit and am afraid if I don't pay them for the items I never got. It will hurt my credit. Sychrony credit number 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized inquires that I did not authorize or apply for. 

I have also attached my FTC report with inquires I did not authorize. 

Please see the inquires below that I did not inquiry on XXXX, Equifax and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized inquires that I did not authorize or apply for. 

I have also attached my FTC report with inquires I did not authorize. 

Please see the inquires below that I did not inquiry on Experian, XXXX and 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

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 2024-11-23 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:
After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information contained in credit reports. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date in question XX/XX/year> I'm requesting an investigation into the below account and update these payments to paid on time immediately. 

Thank you for your prompt action. 

XXXX XXXX XXXX Account number 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Request for 1099 for Written-Off Debt Dear Synchrony Bank Customer Service , I hope this message finds you well. I am writing to formally request a 1099 form for the debt that Synchrony Bank wrote off and reported to the IRS. I understand that this write-off resulted in a credit to Synchrony Bank for a loss, and I would like to ensure that I have the appropriate documentation for my records and tax filings.

Additionally, I have noticed that this debt is still being reported as a loss on my credit report. Having the 1099 form will greatly assist me in addressing this matter with the IRS and provide clarity regarding my financial situation.

Please let me know if there are any specific procedures I need to follow to obtain this document. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance.

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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I told my wife to close the account in XXXX when I found out about the account when I was XXXX with the XXXX XXXX XXXXXXXX. She didn't. She was instructed to close it during the divorce process in XXXX. She refused. It's now four years after the divorce, she's remarried, but she's still using the card that I never authorized. The balance is now nearly $ XXXX. She refuses to close the count or remove me from the above. Care Credit refuses to accept my claim of get fraudulent use of the card. Even if she had a POA at the time of opening the account, per FEDERAL LAW, I am supposed to approve every purchase, and any purchase made is supposed to be for my benefit. I will be filing a police report against my ex-wife. We will also be contacting an attorney to pursue damages. However, per regulations of the Federal Trade Commission, Care Credit is required to investigate claims of fraud ( which ties to Power of Attorney abuse ). Care Credit has done absolutely nothing to help me. They continue to say my only option is to pay off the account so it can be closed. They have don't nothing to protect me and seem to only be interested in getting their money regardless of the laws that have been broken by my ex-wife.

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 2024-11-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or around XX/XX/XXXX the creditor XXXX XXXX advised they would send deletion requests to the credit bureaus. XXXX received theres and deleted the account. However EXPERIAN refuses to delete the account. So XXXX XXXX again sent the request to Experian and even sent me another letter dated XX/XX/XXXX stating the same. I sent this letter to Experian and either Experian doesnt look at documentation or they just decide not to delete the account. 

Because of this, Experian is in violation of the fair credit reporting act. I ask that the CFPB step in, review the documentation and advise Experian to remove the account.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
After recently applying for a home mortgage, I have discovered that certain accounts and inquiries on my credit report are significantly hindering my ability to secure the mortgage. Despite my best efforts to resolve these issues directly with the reporting agencies, I feel that my rights as a consumer have been infringed upon. 

I understand that XXXX, TransUnion, and XXXX are the primary credit reporting agencies responsible for compiling and reporting my credit history. However, I am disputing the accuracy and legitimacy of the accounts and inquiries listed on my credit report, which I believe are either erroneous or the result of fraudulent activity.

Given the urgency of my home mortgage application, I request that these accounts and inquiries be removed from my credit report within 4 business days. The continued presence of these items on my credit report is directly impacting my ability to secure the mortgage and constitutes a violation of my right to fair credit reporting.

I kindly request that the FTC investigate this matter and take appropriate action to ensure my consumer rights are upheld.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
After recently applying for a home mortgage, I have discovered that certain accounts and inquiries on my credit report are significantly hindering my ability to secure the mortgage. Despite my best efforts to resolve these issues directly with the reporting agencies, I feel that my rights as a consumer have been infringed upon. 

I understand that XXXX, XXXX, and Experian are the primary credit reporting agencies responsible for compiling and reporting my credit history. However, I am disputing the accuracy and legitimacy of the accounts and inquiries listed on my credit report, which I believe are either erroneous or the result of fraudulent activity.

Given the urgency of my home mortgage application, I request that these accounts and inquiries be removed from my credit report within 4 business days. The continued presence of these items on my credit report is directly impacting my ability to secure the mortgage and constitutes a violation of my right to fair credit reporting.

I kindly request that the FTC investigate this matter and take appropriate action to ensure my consumer rights are upheld.

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 2024-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my safe deposit box in error. In early part of XX/XX/year> they drilled the lock and emptied the contents without my consent nor me being present. They didn't provide any advance notice of such action. The financial center address is XXXX XXXX XXXX XXXX, NY XXXX. The incompetent manager 's name is XXXX XXXX XXXX XXXX XXXX. This incident caused me great XXXX, mental anguish, and exposure to risk / fraud / loss. I have no idea what is missing, stolen or misplaced. She didn't even bother to authenticate my identity when I arrived to pick up my personal items. I have lost all confidence in this branch because of her failure to execute any of the controls that might have been in place. Her covering manager XXXX XXXX XXXX XXXX XXXX has promised to conduct an investigation into this matter, but has yet to provide any specific conclusions, corrective or compensatory actions aside from filing a claim with the bank for any lost or damaged items. I placed my faith in the BOA " safe '' deposit box services, but in the end there was no safety provided for my personal property.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a purchase in the amount of {$2000.00} with an interest-free option. The account was paid off on XX/XX/XXXX in the amount of {$190.00}. 

In XX/XX/XXXX I noticed that the account was still being reported as open on my credit report. I contacted Conns in XX/XX/XXXX and each month thereafter. Each month I was informed to provide the creditor 24-48 hours to close the account and 30 days for my credit report to be updated. 

The last contact was made on XX/XX/XXXX with XXXX ( CSR Manager ) and myself. I was advised that on XX/XX/XXXX a no interest but out reinstatement request was made by management at XXXX XXXX, the payment was made to pay off the account of {$190.00} at that time. The reinstatement request was approved after XXXX XXXX  on said date. Notes were made in Conn 's system XXXX to accept payment and close out the account on XX/XX/XXXX. XXXX placed a ticket to be worked on or before XX/XX/XXXX which has not been reviewed.

Company response to consumer: Closed with explanation