vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi
State: CA

Complaint narrative:
On XXXX at XXXXXXXX XXXX  I called Dignifi XXXX XXXX ( XXXX ) XXXX to settle my account balance of {$3200.00}. I asked the young lady if I could make payments online and at first she said no I only had the option to mail in my payments. I asked if I could get a letter of deletion prior to making the first payment and once the account is paid in full can they honor the letter of deletion. She said no. She said my only option was to send a letter of dispute to them after the account was paid off and they would either update it or delete it but she couldnt guarantee it. I expressed that XXXX calling in good faith to honor my debt, that I am requesting that the Charge Off from my account be removed from XXXX, XXXX, XXXX, XXXX XXXX  and Innovus because it will continue to prevent me from obtaining housing, employment and establishing good credit. She then said I could make payments online. I then asked to speak to her supervisor and she then transferred me to him. His name was XXXX XXXX # XXXX. He said I couldnt pay using my checking account, autopay, XXXX, Debit, Credit Card or XXXX. I told him the lady prior to him said I could and I could do it using my online account. He no that all of those payment options were XXXX which I said he XXXX them while I was on the phone with him because I heard him typing as I asked if I could use either alternative payment option. He said I only can pay by mail using a check, cashiers check or XXXX XXXX. I said I will not send my personal account information to them via mail. I told him theres no way a company in this century is not able to take electronic payments. He said it was because my account is a XXXX XXXX account and thats why my payment options were XXXX. I asked for his corporate office Address and information, he said he didnt know it. I asked for his Headquarters address and information he said he didnt know it. I asked for the name of the XXXX department of his company that handles delinquent accounts he said its called XXXX Department and he didnt know the phone number to the department or address and I nor anyone externally can contact them by phone only by mail. I asked can I get a letter of deletion so I can start paying my account and he said no they dont have anything like that. I expressed that XXXXXXXX XXXX XXXX XXXX XXXXnd what theyre asking me to do didnt sound ethical. I believe they treated me very unprofessional and were very rude and would not offer me any assistance whatsoever and would not agree under any circumstances to remove this account from my credit reports. I would like for it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I am not liable for this debt with Portfolio Recovery Associates. I do not have a contract with Portfolio Recovery Associates, and they have not provided me with the original contract as I requested because one does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
I recently looked at my credit XX/XX/year> I saw some inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of XXXX5 US 1681B 2. ( XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 3. ( XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 4. ( XXXX XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 5. XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 6. ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 7. ( XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
I requested an application from XXXX several months ago, before the transfer to MOHELA. Now the transfer has occurred so I requested the same application from MOHELA. They replied by email that it would be sent but I'm still waiting. Since the student loan was made to the XXXX XXXXXXXX XXXX XXXXXXXX, I believe that it qualifies for forgiveness since it was made fraudulently. The Department of Education found that the XXXX XXXX made pervasive and substantial misrepresentations to prospective students about postgraduation employment rates, salaries, and career services, which is absolutely true. I hope you can compel MOHELA to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I submitted a dispute and instead of the company doing their job as required under the law they simply refused to properly validate this account or show proof and instead deflected by accusing me of using a credit clinic as if I am not capable of knowing my rights. This message is to reaffirm that this dispute was initiated directly by me, the consumer, not by any third-party credit clinic, and your failure to provide a full and proper validation of the account is both unacceptable and a clear disregard for my legal rights. I am holding you accountable to comply with federal law in the handling and reporting of this account. 

Your assertion that the account is validated is unsubstantiated, as I have not received any of the legally required documentation proving this debt is accurate, verifiable, or that you have the authority to report it under HIPAA and FDCPA regulations. How can you properly validate a medical debt when you have no consent or permission to access that private and personal hipaa protected information? But if thats the case, I demand the following documentation immediately so I can know who exactly to pursue in a lawsuit : Proof of HIPAA Authorization As this involves protected health information, provide proof of your right to collect and report this debt under HIPAA, including any agreement with the original provider. 
Full Debt Validation I require all items as listed in my initial dispute, including documents confirming I am the responsible party, as well as dates, services, and any binding contract. 
Evidence of XXXX XXXX Compliance If you can not prove compliance with XXXX XXXX standards in credit reporting, you are in violation of FCRA, and the account must be deleted without delay. 
If this documentation is not delivered to me within 14 days, I will have no choice but to pursue all available legal avenues, including filing complaints with the CFPB, FTC, and State Attorney General, and initiating formal legal proceedings for damages. Your lack of compliance has already been noted, and any further failure to act in good faith will only strengthen my case. 

I trust this matter will be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, the Department of Education contacted me via email that I would be in a group of XXXX students that would be receiving a complete discharge of my student loans and a refund on all applicable payments to my loan servicer. This was a part of the actions taken after finding that the XXXX XXXX and their parent company XXXX had defrauded students attending their for-profit colleges. 

I've called Nelnet on XX/XX/XXXX and XX/XX/XXXX looking for information about completing my discharge and sending a refund. I've received no addition communication from Nelnet about when any of this is supposed to take place. Each time I call, they say it's the department of education that will manage all of this. 

I've also called Federal student Aid to ask for more information. FSA has communicated to me that the loan services are the ones that now need to clear the debt and send information to the Fed for processing refunds. But Nelnet claims that they have no information about when any of this will happen and deflects responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I paid off a First Progress account back on XX/XX/year>. I settled the account paid in full with the debt collection agency called XXXX. I have asked First Progress multiple time to send me a email stating my current account status with them and they have told me to call XXXX  because they no longer have access to my account. However, First Progress is still reporting the account as an collection on my credit report as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LoanCare, LLC
State: NV

Complaint narrative:
I called the lender several times to remove PMI, to no avail. 
I paid for an appraisal and it resulted that my house 73 % LTV. 

Private mortgage insurance ( PMI ) is automatically canceled when a borrower meets certain requirements, including : Loan-to-value ( LTV ) ratio PMI is canceled when the LTV ratio reaches 78 % of the home 's original purchase price.

I formally emailed them, send them registered mail with a copy of the appraisal. But they did not respond through mail. 
I call their XXXX number but they are telling me that they say that it has been rejected. I ask to speak to a supervisor who understands my situation but they do not have a supervisor to talk to. 
Please help. PMI cost contributes to burden in my monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently looked at my credit XX/XX/year> I saw some inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 2. ( XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 3. XXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 4. ( XXXX XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 5. ( XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 6. ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 7. ( XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
My credit report is inaccurate and Ive tried to fix this issue several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute a collection account reported by Aldous and Associates on my credit report, showing an open balance of {$240.00}. This account is marked as Placed for Collection, with remarks indicating that I, the consumer, have disputed the account information. I believe this account is reported in error, and I would like to provide the following information for consideration : 1. Membership Cancellation : I contacted the original creditor to cancel my gym membership and requested this cancellation over the phone. I ensured that my cancellation was conveyed clearly to avoid any additional charges. 
2. Address Change Notification : I Notified my address change to the original creditor. 
3. Lack of Proof of Attendance and Relevant Lease Terms : To date, neither Aldous and Associates nor the original creditor has provided any proof of attendance at the gym following my cancellation request. Additionally, I have not been provided with a copy of any lease or agreement terms that state I am unable to cancel my membership due to an address change or other circumstances. I believe this lack of documentation further supports my position that I should not be held responsible for this balance. 
4. Non-Original Creditor : Aldous and Associates is not the original creditor with whom I had my gym membership agreement. This collection account does not accurately represent my agreement with the original creditor or my current obligations. 

Given these factors, I respectfully request that this account be thoroughly investigated and removed from my credit report. I have included relevant documentation to assist in your review. 

Please confirm receipt of this dispute letter and advise if any further information is required. I look forward to a prompt resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive disputed this several times, these late payments on my credit report are inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
I am submitting this complaint to request immediate assistance in resolving a persistent issue with TransUnion. Despite multiple disputes and providing substantial evidence from XXXX, TransUnions own data provider, confirming the deletion of an erroneous XXXX entry on my credit report, TransUnion has refused to remove this inaccurate information. Instead, they have denied me access to my credit file and cited possible fraud without justification, violating my rights under the Fair Credit Reporting Act ( FCRA ). My numerous calls to verify my identity have been met with refusals to assist, preventing me from correcting the error and unjustly impacting my financial well-being. Please take swift action to enforce TransUnions compliance with the FCRA, as this continued failure has caused significant hardship, and I am prepared to pursue legal remedies if not addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened a M & T bank MyChoice Plus Checking ( Account Number XXXX ) on XX/XX/year> using the promo code XXXX that I received from them. The promo code XXXX was for a {$500.00} sing-up bonus when the requirement is met. The requirement for the {$500.00} bonus was to receive a direct deposit of {$1000.00} or more within 90 days of account opening. 

I received a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/year>, and thus met the requirement for the bonus. 

However, they have not provided me the {$500.00} bonus as advertised. When I contacted them via secure message, they response was that The promotion stated that offers may vary by region and may not be available in all regions. My research showed that the promotion is only available to individuals living in the XXXX XXXX XXXX. As a result, you do not qualify for this cash bonus. I apologize for the misunderstanding.. and they denied to pay the {$500.00} bonus to me. 

I am not satisfied with this. If they claim the promo is only available for individuals living in the XXXX XXXX XXXX, they why did they send the promo advertisement to me and accepted my application using the promo? If they claim that the promo is available only for those in the XXXX XXXX XXXX, they should not have sent to me the advertisement with the promo code and should not have accepted my application using the promo. Since they sent me the advertisement with the promo code and accepted my application using the promo, they should honor me the {$500.00} bonus. 


I request them to provide me the {$500.00} bonus as advertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have several inquiries on my credit that were not done by me.This started over twenty years ago and is still a problem.I am constantly seeing stains on my report when my file is locked and im not understanding the purpose of having the extra security steps if they are not working.Ive contacted the FTC, credit bureaus other financial sources.At this point several consumers are not removing several credit attempts and I dont know what else to do.I made several identity theft reports both with FTC and The XXXX Police Department XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have several inquiries on my credit that were not done by me.This started over twenty years ago and is still a problem.I am constantly seeing stains on my report when my file is locked and im not understanding the purpose of having the extra security steps if they are not working.Ive contacted the FTC, credit bureaus other financial sources.At this point several consumers are not removing several credit attempts and I dont know what else to do.I made several identity theft reports both with FTC and The Chicago Police Department .

Company response to consumer: Closed with explanation