vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
This my third attempt with this company National Credit Systems. Im reaching out again being that they are reporting inaccurate information on my credit report Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my my address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My Experian credit report shows increasing charges each month from SYNCB/PPC for delinquent payments for an account which I do not own. I opened an account with Pay Pal back in XXXX but was never able to get it to work. That is the only account I have ever opened with Pay Pal. When I spoke to XXXX, they said this account was opened in XXXX. That was NOT me. It has caused my excellent credit score to plummet. I contacted the number associated with this report and SYNCB/PPC and was told by multiple people that they didn't know what this was because I have a balance of XXXX  . I have filed a fraud alert with XXXX. I also contacted XXXX again yesterday and talked with a lady because now the XXXX report shows the the payment status is Charged off. The XXXX lady said that would also bring my credit score down. I am at my wits end. I have tried everything I know to resolve this issue. I have always maintained a excellent credit score until this mess started. I have also contacted my bank and asked them to check into what I needed to do. She has tried several avenues and has had no luck figuring this out. Please help!!!!!! Another thing that is very interesting about this is that I have never received a bill or a statement or any communications about these charges until it started showing up on my XXXX 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 non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a negative mark on my credit because of a kohls credit card I never opened. I have disputed several times and each time I was told it was confirmed to be mine. Id love to know how it is confirmed to be mine and who confirmed it as I was in the hospital XXXX XXXX  when this was said to have been opened. I went in the hospital on XX/XX/21 and the card was opened after that. I was in XXXX at the time, have never been to a kohls and will never go to one. I have no need for them. This needs to be fixed. I have a stack of hospital bills that anyone is welcome to look at if they want to. This is beyond ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
Ive been disputing this matter for over a year on both of my vehicles which where purchased through XXXX auto tri color it been effectiving my credit score an business credit due to false info which Ive provided proof that the car was settled out as a total loss Ive submitted 3 disputed with XXXX XXXX with XXXX an once with XXXX my credit score should be in thee 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent in documentation and an FTC Identity Theft report to Experian to remove an account ( XXXX ) from my account because it was the result of fraudulent activity and identity theft. They have not removed it, which is in violation of my FCRA 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 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I have sent letters and/or called on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX requesting an itemized statement for all additional charges and why. My documents do not match what i have been told on the phone. 
I am entitled to this statement, please send immediately as the loan matures XX/XX/XXXX with a balance of {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: MI

Complaint narrative:
I initially applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX. I submitted ECF for all 3 of my employers from XXXX to the present. My application for my employer, XXXX XXXX XXXX XXXX XXXX, was initially denied due to the organization being out of business. I resubmiitted Employment certification along with an email from the parent compny ( XXXX XXXX ) refusing to verify employment due to the length of time elapsed and, again, my application was denied. My loans were then transferred to Mohela where I have submitted an ECF, documentation of all W2s for my years of empolyment with XXXX XXXX XXXX XXXX XXXX, and tax filings for XXXX XXXX for the years XXXX listing XXXX XXXX XXXX XXXX XXXX as a nonprofit subsidiary. My application was again refused stating that my employment could still not be verified as meeting the full time status requirement. I have subsequently submitted a letter from XXXX XXXX ( who bought XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX ) verifying my full time employment status. I received a letter from Mohela in XX/XX/XXXX again stating they are unable to verify my employment and can not certify my payments from XXXX to XXXX as eligible for PSLF or TEPSLF. I have repeatedly submitted information to verify a former employer for PSLF under the TEPSLF waiver, most recently in XX/XX/XXXX. My prior employer, XXXX XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX, has been closed since XXXX. I have submitted all of my XXXX for my years of employment, tax information for XXXX listing XXXX XXXX XXXX XXXX XXXX as a non profit subsidiary, a letter from XXXX stating they do not have records of employment due to the length of time elapsed, and a letter verifying that I was a full time employee of XXXX XXXX XXXX XXXX XXXX from XXXX. Mohela has, on at least 3 occassions. I have filed two complaints with the Depatment of Education. The first complaint was closed due to loans being transferred to Mohela. The second complaint has been in review for weeks. I have requested assistance from the FSA Ombudsman and was denied the opportunity to speak to an Ombudsman directly. I was told they are only accepting online complaints through their feedback process. I am requesting CFPB to review my complaint and determine why an eligible employer under PSLF/TEPSLF is being repeatedly denied so my account can be updated to the appropriate 379 eligible payments I have consistently made. I began repaying my student loans in late XXXX early XXXX and have worked for non profit organizations from XXXX and again from XXXX to the present. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: CA

Complaint narrative:
this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I. C. Systems sent me a letter about a debt that is not mine. I called them requesting more information and sent them a letter. Today they put accounts in collections with credit agencies without providing further information about the debt they are trying to collect on.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I received a statement in the mail that said I opened a checking account with XXXX and they provided a debit card. A second piece of mail for the pin to the debit card and a third piece of mail that said I didn't have sufficient funds for a transfer. I called and told them I did NOT open an account. 

How is it possible that a bank can open a new account without running a credit report or calling me???

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: MA

Complaint narrative:
I signed up for Albert several years ago. Since then, my bank ( Simple ) was closed and acquired by XXXX, who then was closed and acquired by XXXXXXXX XXXX Albert will not let me withdraw my funds or close my account without a five-year-old statement ( They are asking for XX/XX/2018 ) from XXXX, with whom , I never had an account. I offered to provide a closing statement for the account, but they refused. The account has {$57.00} in it. 

I would like the account closed and the money from the account provided to me as a check.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NJ

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. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX 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 a consumer reporting agency can not furnish a account without my written instrucTons 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 man seven vears 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 nas reasonable cause to belleve 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 2023-05-03 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: NJ

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. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX 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 a consumer reporting agency can not furnish a account without my written instrucTons 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 man seven vears 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 nas reasonable cause to belleve that the information is Inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
paypal is billing me for a charge i did not make or i did not apply for their card or any credit. i have tried 14 times to have them stop harrassing me but they continue. please have them stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
XXXX, XXXX : Since the date that my mortgage was transferred to Shellpoint/ NEWREZ XXXX, XXXX, Shellpoint has applied my monthly payment to previous months ' ( even though I had paid those payments ) and/ or placed payments in Suspense and has not applied the current month payment to the current month debt ; Shellpoint would then inaccurately report that the mortgage payments were late or the loan was/ is in default. This has occurred so many times that I can not name all of the months of the errors -- majority of the months ' payments have been incorrectly applied and therefore, I have been sent notices of non-payment, charged late fees, and been reported delinquent to the credit bureau. I have filed multiple complaints with the Loss Mitigation unit with Shellpoint. The error eventually gets somewhat remedied ; however, some late fees continue to remain. I have spent ~75 to ~100 hours working on these continued errors, and I ( usually XXXX credit score, at least ) was even denied credit for an Auto loan then am paying an exceedingly higher APR as a result of my mortgage inaccurately showing as delinquent. Shellpoint takes many months to correct the issue and then will make the same mistake the next time. For instance, XX/XX/XXXX payment was misapplied to another previous month resulting in the issue of " late payment '' notices and reporting then " delinquent '' reports, that ultimately caused me to have an Auto loan, etc. impacted by Shellpoint 's mistakes in early XX/XX/XXXX. As is the pattern, Shellpoint corrected the mistake in late XX/XX/XXXX, and then again applied the XX/XX/XXXX payment to another month and is now pursuing me for " 'late payments '', fees, etc.. They advise they are investigating and that it will take time. I receive calls from their collection team. This keeps continuing. I can not receive a mortgage from another company because of the history with Shellpoint and the likelihood that they will make this same mistake again during the application process erroneously reporting me as late or delinquent. It is affecting my whole life. Shellpoint has correctly applied my mortgage payment maybe a handful of months from XX/XX/XXXX to XX/XX/XXXX. 
I am happy to provide more information and am attaching the most recent response from Shellpoint regarding my most recent complaint ; I don't agree with Shellpoint 's final conclusion attached, but it does summarize the veracity of their errors and consistency. I don't know where to start to provide more efficient information. It would be a bank statement showing payments every month and Shellpoint 's correspondence majority of the time that I've been with them that they " have not received my payment. '' This can not be happening to just me. It is likely a programming error. Please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made timely payments on this account and have worked hard to do so. It is unacceptable that a late payment has been reported. Please see the attached documents and remove this late payment from my 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 non-monetary relief
Consumer complaint received 2023-05-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent TransUnion a Dispute letter certified mail with a return receipt. TransUnion refused to comply with my Section 609 ( a ) ( 1 ) ( A ) letter that was sent. They constantly sending a generated response letter without providing me with what I requested. They are violating my customer rights by ignoring my request for them to send my the original contract and my wet signature on this debt they say I owe. I state in my dispute letter to provide me with verifiable proof because its reporting inaccurate information on my credit report. They ignored it yet again I received a credit report from TransUnion on XX/XX/XXXX still without information I requested. I feel as though they doing this for their own personal gain and its really harming my customer credit report due to the damages theyre causing me.

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 2023-05-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union sent me a 66-page credit report, intentionally difficult to read and hard to follow. This is done to confuse the consumer and complicate the review of the report. 

I submitted a dispute because Trans Union is not reporting me accurately. My score is only XXXX here, but XXXX and XXXX and XXXX and XXXX. Upon further investigation, I saw that Trans Union has my old XXXX XXXX XXXX XXXX loan account listed as adverse. 

It is not adverse. I always paid as agreed, on time. Not only is is mistakenly listed as adverse, it is marked for removal on XX/XX/XXXX -- or was. When I filed the first dispute, and received the result, they refused to change the status from adverse to satisfactory PLUS they extended the time for removal to XXXX. It has already been on there for more 7 years since XX/XX/XXXX. I didnt realize this adverse designation when I previously reviewed the report. 

I want this mischaracterization fixed. I paid on time throughout the life of the loan. Also, they claimed to have investigated this. Hard to believe the investigation was completed so quickly. Id require proof of this. I want to see what theyre seeing in this investigation. My payments were on time. 

I tried to file a second dispute, and they wouldnt let me. I cant find it on the site. I received no email like I did for the first dispute, saying an investigation is underway. Also the site is deliberately difficult to navigate. Whenever you go to a tab, it logs you out and you have to repeatedly enter your password and username to get back onto the site. This happens constantly. 

I also submitted a form to Trans Union to discuss this with someone. No one bothered to respond. 

I want this moved to satisfactory, in which case there will be no incorrect scheduled " removal date. '' This designation is adversely affecting my ability to get good loan rates. 

They should not be permitted to give the consumer a 66-page credit report, either.

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