vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WA

Complaint narrative:
XX/XX/year> I made a call to NetSpend the provider for my companies daily tip and mileage payments. I was enrolled in overdraft protection without my knowledge. I was upset on the phone call and asked for it to be cancelled. The CSR was clearly irritated by me. After I hung up he placed a fraud hold on my card even though there was no transactions. I have called every day since. They asked me to verify who I am ( no one at my company besides me has ever been asked this ). I have scanned my ID via text link nine times and it is not accepting it. We also scanned my id via other phone numbers as well. It will say accepted then I get a email saying it was not. I have also sent address verification. Last transaction verification and ID through email but they say that their system will only accept the text links. They have no in person services in my state. I tried talking to a manager on XXXX after being on hold for XXXX minutes they answered silently no greeting and had me on mute for ten minutes ( presumably to pretend they talked to me ) then hung up. XXXX I was hung up on again and called back saying my line was busy. I have call waiting and there was no record of them calling. XXXX the CSR " XXXX '' told me I'd receive a call back. No calls. No return emails. They have been accepting the daily deposits from my employer but my account is locked and I have no access to my funds. I'm a driver and I'm now locked out of my milage reimbursements intended for gas. The company refuses to tell me what fraud occurred or when my card will be active. They will only send text links for ID verification that do not work. I have probably XXXX plus emails and no results. I'm concerned the fraud hold was a retaliation for me being upset on the phone and so far they've given me zero proof that it's not nor acknowledged any wrongdoing.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
the money was transferred in the name of my niece to a group of volunteers from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at the end of XXXX and beginning of XX/XX/year>, were intended to rent a truck and pay for gasoline. From the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly called the money gram company. I have not received an answer to the question of where my money is for a little over 2 months. After contacting the CFPB with a complaint that my money was missing and no one was giving me a clear answer, the money was returned to my account in maybe 12-15 days. I transferred money from my bank account to a bank account in XXXX. I send {$2000.00} to XXXX in XXXX whom I personally know. 
I send {$2000.00} from my bank account in XXXX to bank account my niece in XXXX. This money was intended for a group of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For more than 2 months I didn't know where my money was. 
I can/t log into my online account on MONEY GRAM. Answer- missing or not found. I can/t open my mailbox either. Answer- hacking attempts and my mailbox was blocked!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — USDA 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Almost a year ago we applied for a modification because our mortgage payments were raised and were given the run around the whole time. We provided everything they asked for. Then in XX/XX/year> we had a phone call with the lender and that is when we were given the information that they were foreclosing. We asked for other options available and they gave us none. They have never been willing to help with exploring all or any other options. On multiple occasions we requested a payoff amount to attempt a resolution. We also asked for the original promisary note about three weeks prior to the auction. They have never supplied us with either. And now they are charging us an astronomical amount in fees. When they auctioned our home, they did not post the sale in the paper either. We started filing for bankruptcy however the attorney we were going through did not follow through and keep in contact. So we attempted to file on our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit 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 2024-08-16 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: MA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a debt reported by LVNV Funding LLC, which originated with XXXXXXXX XXXX XXXX XXXXXXXX. The debt is associated with Reference Number XXXX, with a balance of {$2100.00}. 

Despite my ongoing financial hardship and inability to pay, LVNV Funding LLC, through XXXX XXXX, has been contacting me non-stop via phone calls and emails. These repeated contacts are causing significant distress and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, which prohibits harassment by debt collectors.

I have previously attempted to dispute this debt with the credit reporting agencies, but it has not been removed from my credit report. I am now seeking assistance to ensure my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ) are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 2024-08-16 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: KY

Complaint narrative:
On or around XX/XX/year>, we submitted a credit request to XXXX XXXX XXXX XXXX which was subsequently denied. XXXX cited that Experian reported a history of missed payments on multiple accounts as the reason for the denial. 

As paying members of Experian, we contacted them to address this issue. XXXX XXXX, an Experian representative, confirmed that our payment history is impeccable and that our credit report is completely clear, with a current score of XXXX. She indicated that XXXX was inaccurately representing the information. XXXX XXXX provided a contact number for XXXX to resolve the discrepancy, which we forwarded via email along with her instructions. 

On XX/XX/year>, another Experian representative, XXXX XXXX XXXX, reiterated that our credit file was accurate. Despite this, XXXX sent a subsequent email and letter repeating their previous stance. We responded by highlighting that this circular finger-pointing approach was unproductive and urged direct communication between the parties involved to resolve the matter. 

Given that both parties have failed to address the issue effectively, we are compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek resolution.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2024-08-16 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: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to 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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: NV

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.

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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: NC

Complaint narrative:
FASA has a form on file stating i owe student loan repayment for a school I never attended. Nelnet department of education which is the loan servicer has the wrong information and I'm not responsible for this repayment at all. 

On XX/XX/year> XXXX has conducted a search for the school and no records were found for the application i submitted back in XX/XX/year>. The school on file that Nelnet department of education has on file does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: LEXISNEXIS
State: NJ

Complaint narrative:
I mailed in a bankruptcy dispute letter to lexis nexis on XX/XX/year> in which the delivery was confirmed My information is being listed without my written permission or authorization this account is in violation of 15 usc 1681b permissible purpose. my information was obtained under false pretenses which is a violation of 15 usc 1681q. You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft. I also have a court letter and a PACER letter that confirms PACER and the bankruptcy court did not verify this information with any consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Self Financial Inc.
State: SC

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX South Carolina XXXX Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and identity fraud laws, specifically South Carolina XXXX XXXX XXXX. 

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, South Carolina XXXX XXXX specifically XXXX XXXX of the South Carolina XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as South Carolina XXXX XXXX XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Section XXXX of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina XXXX XXXX This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
We got a insurance check from our insurance to rebuild our house or buy a new house our mortgage company asked for all these documents to rebuild and we turned them all in but then we call and they need a new paper or we didnt put our loan number or dated or signed it always something new we have contractors and ready to go and they wont send our money we are almost out of benefits from insurance

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 2024-08-16 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: GA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from 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