vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is furnishing incorrect information on my credit report. XXXX XXXX XXXX is alleging that I owe a debt to them in the total amount of {$330.00}. I do not nor have I ever owned any money to this company. Transunion claims to have investigated through its regular disputing process but did not validate nor verify this debt. If they had done so, they would know that I do not owe this company and have never held an account with 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 2024-02-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/2024 : I signed up for myEquifax to check/manage my Equifax report as well as dispute/correct any incorrect information. I noticed I could only see my credit score but not my credit report. 

XX/XX/2024 : I tried to pull my report from XXXX and was unable to. ( It sent a code to my number but then gave me an error. I knew it was a technical issue because even my creditors couldn't pull my Equifax report whenever I tried to apply for something I would get instantly denied. ( Due to a technical error pulling my Equifax report ). I called Equifax 's Customer Care team and they told me they have escalated my case to the technical department and I should expect a reply between XXXX hrs. 

XX/XX/2024 : I call again since I haven't received any update. They tell me to wait and they escalated another case. 

( I have done this a few times so I will skip to a month later ) XX/XX/2024 : A month later still facing the same problem and found out that the technical department hasn't even looked at my first case, all the cases were still pending with no update. 

This issue has caused me to get denied for multiple applications purely due to a technical issue that I have no control over. There is no excuse for a credit bureau to be this incompetent when dealing with consumer cases, especially when it has major repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a checking and savings account with Chase because they were offering a promotion that if I opened both a savings and checking they would give me {$900.00} as a sign up bonus. The catch was I had to have direct deposit AND have a $ XXXX balance on the savings account to complete the conditions of the bonus. I did exactly this and chase decided to close my account due to fraud claims and it has been over a month that they have kept my $ XXXX since it's " under investigation '' and they are not giving me a reason as to why its being investigated when they can clearly see where it came from. I feel as if I'm being robbed by Chase because they said they do not have a tentative date when they'll be releasing my funds. This is ridiculous. This isn't pocket change, this is XXXX that my family and I worked hard to save and we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: MI

Complaint narrative:
XX/XX/XXXX payment was made XX/XX/XXXX payment was taken form checking account XX/XX/XXXX Phone call was made about payment not being applied and was told not to worry they would find the payment and it would be applied to call back on XX/XX/XXXX XX/XX/XXXX Called back, issue had not been resolved was told to wait another 10 days XX/XX/XXXX Called to see status nothing had been done XX/XX/XXXX Nothing had been done XX/XX/XXXX Filed a complaint within Panorama for them to escalate the issue and get it resolved XX/XX/XXXX Our local Credit union notified us that our house is delinquent on taxes XX/XX/XXXX Issue still has not been resolved. I am being told that they have no communication between front and back office to see status of issues that they have a master task list that they are working through and there is no way to know the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
XXXX refunded my XXXX which I financed through Affirm in XXXX ( and had paid off in full in XX/XX/XXXX ) in the amount of {$4700.00} on XX/XX/XXXX and Affirm only refunded me partially ( {$1400.00} ) while claiming they processed the remainder of the refund amount to accounts that have been closed, which was clearly conveyed to their customer department and therefore resulted in a request that the issue a refund in the form of a check, which was agreed upon during a call with Affirm rep on XX/XX/XXXX. I have since relentlessly pursued Affirm and requested to receive my money back and they have consistently been unhelpful and quite obstructionist, systematically claiming that they did " successfully processed the refund. '' I have done a thorough investigation of Affirm 's refund history through XXXX members ' groups, and to my dismay, found out that it is indeed common practice for them to sit on XXXX customers refunds for months, which is both illegal and unacceptable particularly since their customer department is unwilling to provide adequate and fair assistance to resolve these issues and simply actively doing everything in their power to delay refunding customers for as long as they can. At this point, I have spend over XXXX hours on the phone and via emails and loss XXXX of dollars as a result of having to cancel clients and lose business opportunities to address this issue, which is why I intend to escalate this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
I am trying to buy a car and get a new home. I realized I had damage on my credit report. According to 15 U.S.C 1681, there should not be any damages to my report. I have sent a dispute letter in XXXX which surpass 30 day request for removal. I then sent another letter in XXXX give 14 days to remove the damage due to no response past 30 days and a {$1000.00} check for emotional damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: Cascade CISS Holdings, LLC
State: HI

Complaint narrative:
I have XXXX inquiries in my credit report under XXXX XXXX XXXX XXXX XXXX XXXX Informative Research miscellaneous from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: U.S. BANCORP
State: CA

Complaint narrative:
I have disputed a US BANK reporting error on my XXXX report several times. I have sent several certified letters over the past few years and XXXX continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/scrub>XXXX XXXX XXXX Unfortunately, XXXX responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights. 

I am understandably very frustrated that this has happened and can not believe that US Bank and XXXX would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving XXXX ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that XXXX and US Bank has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my XXXX profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
At the end of the year XXXX I had dental treatment and used a Care Credit card that was approved for me worth {$3000.00}, of which I used {$2600.00} for my treatment. I had to make minimum payments of approximately {$60.00} and to pay quickly I decided to make recurring payments of {$100.00} each month. Since that same month I started making my payments ... and as of today I have a balance of XXXX and I have an available balance of XXXX. So I have paid more than {$1300.00} to date and I still owe them much more than I used the card. Below I show you how I was charged these ABUSIVE INTERESTS : Note : Extra charge for PYMT without authorization XX/XX/XXXX Posted {$49.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$69.00} INTEREST CHARGE ON PURCHASES Payment XXXX XXXXPosted {$100.00} AUTOMATIC PAYMENT FeeXXXX XXXXPosted {$49.00} PYMT CARD SECURITY XXXX Interest XXXX XXXXPosted {$69.00} INTEREST CHARGE ON PURCHASES PaymentXXXX XXXXPosted- {$100.00} AUTOMATIC PAYMENT - THANK YOU FeeXXXX XXXXXXXXPosted {$49.00} PYMT CARD SECURITY XXXX XXXX XXXX {$66.00} INTEREST CHARGE ON PURCHASES PaymenXXXX XXXXPosted {$100.00} AUTOMATIC PAYMENT - FeeOct XXXX {$48.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$70.00} INTEREST CHARGE ON PURCHASES PaymentXXXX  XXXXPosted {$100.00} AUTOMATIC PAYMENT - FeeSep XXXX Posted {$48.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$63.00} INTEREST CHARGE ON PURCHASES Payment XXXX XXXXPosted- {$100.00} AUTOMATIC PAYMENT - FeeXXXX XXXXPosted $ XXXXPYMT CARD SECURITY XXXX InterestXXXX XXXX Posted {$130.00} INTEREST CHARGE ON PURCHASES PaymentXXXX XXXX Posted $ XXXXAUTOMATIC PAYMENT - FeeXXXX  XXXXPosted {$47.00} PYMT CARD SECURITY XXXX Interest XXXX XXXXPosted {$150.00} INTEREST CHARGE ON PURCHASES PaymentJul XXXX {$100.00}

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 2024-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am making a claim against Navient Student Loan Company. On XX/XX/XXXX, I submitted a debt validation letter to Navient requesting the original wet signature contract between Navient and myself, along with other documents to show if the loan was ever discharged. On XX/XX/XXXX I sent a second letter, a notice to cure to Navient again requesting the original wet signatures contract between Navient and myself, due to receiving no response. On XX/XX/XXXX, I received a statement from Navient, which included a copy of the Master Promissory Note that appears to be altered or manipulated, raising concerns about its validity. They were unable to validate the debt by providing original documentation and the on-and-off ledgers to show if the debt was ever paid off or discharged. Upon, further investigation revealed that Navient was not registered with the XXXX XXXXXXXX XXXX XXXXXXXX until XX/XX/XXXX. However, the company has been reporting on my credit since XXXX, as evidenced by my credit report with XXXX in XXXX. I also, noticed as of XX/XX/XXXX on my previous XXXX report, that they've been reporting since XXXX. This discrepancy raises questions about how Navient obtained and utilized my personal information without proper registration as a business entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not Liable for this debt of {$820.00} with LVN FUNDING LLC account number XXXX I do not have a contract with LVN FUNDING LLC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 


15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am not Liable for this debt of {XXXX with PORTFOLIO RECOV ASSOC account number XXXX I do not have a contract with PORTFOLIO RECOV ASSOC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
requested my credit report through XXXX XXXX XXXXXXXX XXXX to no avail. i was told to call or request by mail. I chose to call i gave my information and was told i should expect the credit report within 15 days. my credit report never came and now when i try to request my online report I'm told sorry unable to proceed with request.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to get in contact with Credit Karma, hard to each, no reply Credit has incorrect Names and addresses on their website, I also filed a complaint with XXXX, CFPB against XXXX, XXXX XXXX, XXXX, Credit Karma. All I want is to have all three Credit Bureaus correct the errors on my credit information, Personal information, Credit information.

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 2024-02-09 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient and XXXX, and XXXX can not provide the original dates, signatures, and promissory note information from original student loans using inflated loan amounts on credit reports for XXXX, XXXX, and XXXX, therefore, this is fraudulent and illegal to have on the credit report and must be removed immediately according to 15usc1681b ( a ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2024-02-09 00:00:00
Product: Prepaid card — Gift 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:
XX/XX/XXXX chatted with a rep got no help about where the card was accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

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

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 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates llc Dont have a license to collect debt in California and is therefore illegal for them to try and collect a debt from me. They have yet to send paperwork confirming my signature on the supposed debt. And yet they continue to call and allow this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

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

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CT

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I want to remove all errors from my credit report immediately, this is defamation of character. You are breaking the law. 15 U.S. Code 1681- Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation