vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Nelnet has improperly calculated my 5 years of continuous teaching multiple times as part of my XXXX Loan Forgiveness Application. I am using the XXXX  Loan Forgiveness Application downloaded from the Studentaid.gov Web site as the authoritative document for instructions and definitions in filling out the XXXX  Loan Forgiveness ( XXXX  ) application. This downloaded application has an expiration date of XX/XX/XXXX. 

The instructions on page 3 of the XXXX application in Section 7 state : If you need to list multiple XXXX or need more than one XXXX XXXX certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. 

Attached are the second page of my submitted application and an additional sheet which contains a completed XXXX XXXX XXXX Section only. To be clear my submission has always been three pages. Page 1 and page 2 are sections 1 thru section 5 of the XXXX application. Page 3 was a copy of page 2 with only section 5 completed. 

On page 4 of the XXXX application in Section 8 defines : An academic year is : Two complete and consecutive half years at different schools or for different XXXX  service agencies. 

The dates in the attached certifications are shown as follows : XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX, and the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I am claiming the following continuous years of service : XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), and XX/XX/XXXX XX/XX/XXXX ( 4 years of XXXX XXXX XXXX XXXX  ). This service meets the requirements of 5 years of continuous service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXXXXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX has repeatedly called me and my husband everyday several times a day. I am being threatened about a fifth third bank account that they claim had transactions between the year XXXX. They explained that they sent mail to my address 45 days prior to the repeated harassment calls. I have never received any mail from this company I even checked my usps informed delivery to be sure something wasnt missed on my end and nothing was sent. Ive asked several times for details in regards to date and transaction of the debt theyve threatened to sue me about but they tell me they dont have information. Me and my family are being harassed and threatened by this number. Ive also attached my call logs and my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC 1692 ( G ) to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business Portfolio Recovery Associates is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between Portfolio Recovery Associates and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX. XXXX XXXX XXXX in the amount of {$5400.00} XXXX XXXX XXXX {$640.00}

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 non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CA

Complaint narrative:
Idk why they closed my account but I had some funds on my acount that I wanted to cash out but when I try to do it its was declined because now the acccount was negative because they have charged me that I wanted to add money but it was declined. So they charged me and put my account in negative balance! 
And how Im going to put money in my account if they declined the transfer in order to charge me and put more negative balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit report of an old debt that was created under my name using all my information I have no idea about. The collection was added to my credit report between XX/XX/XXXX, and XX/XX/XXXX, as a new account in collections. The collection agency is EOS CCA. The original creditor was XXXX XXXX. 

I've contacted EOS CCA agency to share more details regarding this debt that I do not owe. I found out this debt was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. I've never received any documents, bills, calls, or anything in relation to this debt. 

I do have XXXX wireless which is a brand new account, I've only been with them for just XXXX months and it is an active account. I've never signed up with XXXX XXXX which is very odd. The family home that we live in, the entire home has XXXX. We have a total of XXXX members in the family and they all confirm that no one ever has a XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Inaccurate Reporting XXXX XXXX XXXX Reported date different mutitple inquirys wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I saw in XXXX online that Wells Fargo may own customers money for fees being charged fraudulently. My accounts were closed out in XX/XX/2016. I always felt something didn't add up with my balances but I had no way of providing it. So I'm submitting this claim to investigate to see if any fraud was committed against my accounts.

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 2023-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I provided a {$0.00} tax bill and XXXX VA XXXX saying I'm 100 % XXXX and also 100 % retired from XXXX. They continued to miscalculate my mortgage and charge me for property taxes I am not responsible for. They are holding {$22000.00} of my money for taxes I have a {$0.00} bill for and have initiated XXXX XXXX on me for my complaints. 

The mortgage company doesnt answer my calls. They actually owe me money but are accelerating because i failed to make only XXXX payment for less than they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed on my report. I may be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
XXXX from Atlas Credit Inc came to my home to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: PA

Complaint narrative:
I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
After viewing my credit profile I seen an discrepancy with National Credit Systems Validation was requested XX/XX/2022 and XX/XX/2022 and the account continue to reflect on my credit report. They have failed to validate after multiple attempts have been made to them via myself, XXXX, and XXXX. I do not believe this account belongs to me nor do I believe the creditor has authorization to attempt to collect on the account. The account continues to negatively affect me. Please strike and remove this from all 3 credit bureaus until adequate validation has been received, proving that the account belongs to me and all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened a high-yield savings account with Synchrony Bank XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX made a {$50000.00} deposit from a XXXX loan into my Synchrony account. On XXXX XXXX, I asked Synchrony if I could transfer {$25000.00} into my XXXX XXXX  checking account. The Synchrony bank representative said yes, I could make a transfer in that amount. So, I made a {$25000.00} transfer to my XXXX XXXX checking account. It seemed to be accepted. But then, on XXXX XXXX, I received an email from Synchrony saying, " This is to notify you that your access to the funds transfer service has been suspended. '' Not only has the funds transfer service been suspended, my entire account has been suspended. I have no access to my money at all. I have called Synchrony Bank several times since. Each time, they tell me the same thing : " Yes, we have suspended/restricted your account... no, we will not tell you why... no, you can not speak to anybody about it... it could take up to 60 days to receive access to your funds again. '' I took out the {$50000.00} loan with XXXX because I obviously need the money. Of course, in hindsight, I should have deposited the loan into XXXX XXXX checking, then transferred the remaining funds into Synchrony. It was an honest mistake, but I should not be penalized for it.

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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I attempted to get a modification in order to keep my house, originally I was approved and then they stated that I did not qualify and was no longer eligible to try to get a modification. This resulted in them attempting to foreclose on the house, of which I had to sell under duress in 2018 to avoid the foreclosure. 

This has caused a longer term hardship as now my rent has been higher than my mortgage payments and I have lost all the equity that I would have had in the home.

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