vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Address are incorrect

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 2023-11-05 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:
Address are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX  XXXX XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SYNCHRONY BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Account # XXXX is damaging my credit worthiness due to lack of missing information. This account has no original owner attached, nor does it have the terms of the contract, date closed, and other important information! This is a violation of the ( FCRA ) and consider unverified, and inaccurate reporting! Please delete this item immediately ( XXXX XXXX XXXX  ) per federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage company is now using a new fee bucket called " Default fee '' {$84.00}, its applied and then waived and the new fee bucket shows as unapplied for {$50.00} as debits and then credits. I have a complaint pending resolution for this same pattern of fee abuse, now its getting worse. The former fee balance was {$150.00}, it went down to {$86.00} now its up again to {$110.00}. THIS IS RIDICOULOUS, what on earth are these fees, what is a DEFAULT RELATED COST PAYMENT and a DEFAULT RELATED COST WAIVER Buckets... I make my mortgage payments every month < 30day late, the late charges were waived every month and now this is a new fee bucket appearing.

I want the investor/owner of my mortgage to explain to me what Shellpoint Mortgage is doing with my mortgage, Shellpoint is convulenting my payment history with these fee buckets and dollar amounts. I am in the middle of a financial transaction and this issue is causing problems for me when I present my payment history to my bank .... 

I WANT ANSWERS TO WHAT IS GOING ON...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX LENDINGPOINT XXXX XXXX, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from LENDINGPOINT. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/2023 I was approved for the XXXX repayment plan for a majority of my loans. My monthly payment was set to be {$100.00}. 

Today, XX/XX/2023 I receive a backdated notification from MOHELA informing they've changed me from the XXXX plan to the Level/ standard repayment plan. I never requested a change, I want to stay on the XXXX. I don't know why MOHELA chose to make this change without my request or need. They now expect a $ 320 monthly payment due in XXXX. Literally triple my original expected payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I sent a dispute request to XXXX XXXX XXXX and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to 15 USC 1692g these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BELMONT FINANCE LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I called XXXX to discuss paying off my account after several calls before this day 's call. XXXX XXXX XXXX  their rep ( XXXX ) began a text conversation only to acknowledge the debt was approaching past due status. I proceeded to state I was aware and that unless I could get an amount of payoff the contract should cease. I ended the discussion because she could not provide a payoff amount. Later that day ( XX/XX/XXXX ) another rep ( XXXX XXXX began texting that Belmont is only the finance company for XXXX. Preceded to redirect me to contact XXXX about any issues. Noted that at this point I had made autopayments for the past 6 months. Long story short, XXXX presented an offer by asking me to pay {$3000.00} ( original debt ) which I turned down but agreed to the final payment of {$2500.00} as payment in full. An email confirmation was to follow with a letter from Belmont stating paid in full. He agreed but once payment was processed. XXXX was immediately processed but no email confirmation. Called and texted but no response from XXXX. Called Belmont and supposedly got his XXXX XXXX who refused to acknowledge the payment in full but emailed the payment confirmation. Next, the credit reporting repeatedly stated nonpayment, delinquent and past due balance, and hard credit inquiries dropping my credit XXXX XXXX. I did a review and they made a correction but then returned to reporting past due balance closed account and derogatory payment history 3 times in a day on XX/XX/XXXX and continued as recently as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This account was transferred from another account. Now both accounts are indicated on the credit report. During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: CITIBANK, N.A.
State: IA

Complaint narrative:
Dont recognize requested removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In 2017 I opened an account from XXXX XXXX XXXX I would like to have that information removed from my report. 

there is simply not law requiring the information to stay on my report for 10 years

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
ACCOUNT NAME NATIONAL CREDIT ADJUST XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was supposed to receive direct deposit from my company but the pay day came and went with no direct deposit. It has now been three days since and I have no money in my account. No time table for resolution no communication from Chase, nothing. Just an overdrafted bank account and a hungry family needing groceries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc.
State: NC

Complaint narrative:
During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE REMOVAL OF CHILD SUPPORT FROM MY CREDIT REPORT 609-FCRA

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 2023-11-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX I got a hard inquiry alert on my XXXX credit monitoring page. It was for a loan or credit application through Synchrony Financial. I called both XXXX and Synchrony and no one was able to help me with who the merchant was nor take out the hard inquiry. Synchrony requested for the Merchant name which XXXX said that they do not have. XXXX requested for a hand written dispute with a notification from Synchrony stating it was a fraudulent inquiry. Synchrony said they are unable to provide this notification without knowing the merchant involved, the Synchrony rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
I have called dozens of times and waited on hold for over an hour to be told that there is an error and that Nelnet cant get me logged in because my old phone number cant receive a text message for their idiotic 2FA login process ( seriously, what is someone going to do? Login and pay my loan? ) So I get emails saying that loan is past due. They wont give me an account number. They wont give me the payment amount. They wont let me login, and they havent mailed literally anything to me. How am I supposed to pay my bills when I can not access them and the awful company hasnt made an effort to send the bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Dear XXXXXXXX XXXX XXXX CALVARY PORTFOLIO SERVICE, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Started a dispute with Transunion on XX/XX/2023 and was completed on XX/XX/2023, file id XXXX. Results state investigation and not reinvestigation. Results show XXXX item was deleted. Remaining items show in capital letters " VERIFIED AS ACCURATE ''. I have not received correspondence from investigation methods within 5 days of completion. Items on report are still inaccurate. Transunion is still out of compliance with federal law. Items must be deleted.

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 2023-11-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: PA

Complaint narrative:
I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed 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 non-monetary relief
Consumer complaint received 2023-11-05 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: NJ

Complaint narrative:
remove all accounts that dont belong to me immediately under The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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