vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TN

Complaint narrative:
I, the consumer, as defined in 15 U.S. Code 1692, a natural person, have reported to Credit Control LLC of their Federal violations under the FDCPA, which negatively affecting my individual credit reporting. I invoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K as outlined in the invoice. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact me any further about this alleged debt. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company on company letterhead.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are fully open not after dealing with a pandemic. There is no excuse for them not to respond to the letters i have sent. This letter i have attached is 1 of many. I've asked them to respond to me. it's been well over 30 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame and the have certainly exceeded that time Frame

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

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 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/XXXX- NewRez paid my property taxes even though I did not have an XXXX account with them. Unfortunately I had already paid my taxes with the state and this left a significant balance due. I contacted NewRez and it took them months to get us a resolution. While they were looking for a resolution, I had to turn off my auto-pay because the payment I would have had to make was almost double my mortgage payment. This was a mistake on their end and I had to endure an immense amount of aggravation to get it resolved. I was told they would look into it and call me back. 

XX/XX/XXXX - No call back received, spent an hour on the phone trying to get to a human. Finally got to someone that said they would look into it. I made a payment over the phone for my normal mortgage amount because the online system would not allow me to pay what I owed, but rather an inflated number. 

This continued through XX/XX/XXXX- With calls twice a month from me to them to get updates. Everytime I called it was like starting over. I received checks from NewRez that I shouldn't have and it was all super confusing. It was near impossible to make sense of it all. I believe it was the XXXX statement that looked inflated again. I had thought I made the call to make the normal payment, but within all the mess I forgot and it looked like I missed a mortgage payment in either XXXX or XXXX. Never in my life prior to this had I missed a mortgage payment on any of my homes. As soon as I realized what happened, I immediately called and made the payment. 

XX/XX/XXXX- NewRez hits my credit with a missed mortgage payment and drops it over 100 points. I called NewRez asking for forgiveness due to the situation. I was told to send an email. Emails were sent and I finally got a letter in the mail that effectively told me to kick rocks and that there was nothing they could do. I called again but the representatives would not transfer me to the appropriate person or department. I finally gave-up and decided to deal with it. That is until I learned about your organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: MI

Complaint narrative:
I attended XXXX XXXX in XXXX and they shut down before we could graduate. I read that the loans were being forgiven. I clearly fall in the category to get this loan forgiven and would like to move forward with getting this taken off. Also id like to know how do I get my money back for the portion of the loan that I've paid on already. Any helpful information will be appreciated. Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
I have been disputing the obligation of this debt in writing directly with the Creditor as well as with the credit bureaus. The credit bureaus fail to conduct a thorough investigation and simply parrot information from the Creditor. The results have continued to come back as verified. I have sent the Creditor over 4 letters requesting that they verify this debt they are claiming I owe them or remove it from my credit profile. The very first letter was sent to the Creditor the last week of XX/XX/2021. Not only have they failed to respond to my requests, they also continue to report this derogatory information on my credit profile. I have even noticed that the debt has been re-aged by 2 years with one of the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/XXXX {$5000.00} emergency transfer from XXXX  XXXX XXXX western Union departent. 
XX/XX/XXXX I called and canceled, supervisor said that the funds will be back in 3 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased furniture on XX/XX/2020, paid down the debt to {$500.00}. I was charged XXXX in interest for not paying the account In full by x amount of time.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
One of my addresses says Ive lived in CA and I never lived in CA.

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 2021-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX has a debt collection on my Equifax and Equifax wont remove or delete it from my credit report and XXXX XXXX keep updating and change the dates for this debt collections on my credit report constantly its {$55.00} and was paid by XXXX or XXXX. And they are costly Robo calling me.! And calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
One of my addresses says Ive lived in CA and I never lived in CA.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
One of my addresses says Ive lived in CA and I never lived in CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
Mohela was designated as the servicer of my student loans. My account is paid in full and closed at the present and has been for years. The issue is at in XX/XX/XXXX I requested my loan go into deferment status and unfortunately there was a delay in this being processed and Mohela reported this as a late payment in the following months. Once I became aware of this I immediately made a payment and again requested this to be addressed and yet again they failed to put my account into forbearance as apparently I had multiple loans and there was some confusion. The issue I have is that despite the financial challenges I was facing i found a way to pay this account in full but I should not be held responsible for Mohelas error. Since XXXX I have multiple late payments reporting on my report that are inaccurate and needs to be resolved. This is my last resort before incurring further time, energy, and money in hiring legal counsel to resolve this. Im hoping this can be resolved without having to take this step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: WV

Complaint narrative:
A few months ago, XX/XX/2021, I cashed a large insurance settlement check after being crashed into by a drunk driver and the company I cashed it through who works with western union deposited the max amount it would allow. It was a little less then {$800.00}, around {$750.00} transferred to my XXXX XXXX Account. For some reason the card would not allow me to use it. A team informed me I hadent used it In A while and with a large deposit I needed to confirm who I am by sending a copy of my Photo ID. My photo I sent was a copy of my current drivers license with all information correct and matched. I was told that was fine. A few hours later I tried to use my account and was informed it was still locked. Even though I sent my ID that because he didnt like my tone, he is also demanding to see my official social security card. I refused to send my social security card. My drivers license is an accepted form of identification. This was not a new account, this account was opened for a couple years. Because I worry about fraud and Id theft there was no way I was now sending my actually social security card to them. The women I was originally speaking with confirmed my social security number over the phone when asked for it, I repeated it. I was told the only thing I had to do was send my photo Id. The customer service reps manager then took it apon himself to inform me he is closing my account, I am being banned from XXXX XXXX XXXX, and I will never be receiving my money. He has claimed to send back to sender. The next day I went to the office where the money was transferred from and they have no record of money sent back. Ive said he wasnt mailing my money, that Im not getting anything from them. The rep made good on his threats. To this day, I cant find my money. I cant get another card as Im told I am literally banned black listed from them, and I have no access to the online account that would have any information. He locked my account and they will not unlock it. I am in able to look at any of my transactions, monthly summaries, or even the deposit. 
Western union claims to not have my money. My money has disappeared, I have no account access, and I was verbally assaulted by the customer service manager that was on duty.

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 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a {$4500.00} limit on my revolving charge account with Citi Bank. I was notified via email that the limit had been changed to {$300.00} due to information on my XXXX credit report. There is no derogatory information on my report, I have not missed any payments or anything else. 

I reached out to the company to resolve the issue and was told that no one knows why the limit was reduced. I was told I would receive a letter to explain but I have not received anything. 

My card balance was paid in full and I had a XXXX or near XXXX amount on the card when the limit was reduced. 

It seems to me to be very unfair that a company could damage my credit and not even tell me why they made the decision to lower my limit.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2021, I have disputed an error being reported on my Trans Union credit report 5 different times and yet to be resolved correctly. In XX/XX/2021, I purchased a home and sold my other. I had an open equity line of credit that I paid off in full and closed in XXXX, 2021 with XXXX XXXX XXXX  of an amount shown as {$14000.00}. It shows that it was last reported to Trans Union in XXXX, 2021. It has been six months now with it still being reported as open with a balance of {$14000.00}. It was a joint account with my wife and it's closed on her Trans Union report but not mine. I've called XXXX XXXX and Trans Union several times and they always give me the run around without fixing my report. XXXX XXXX tells me that I have to dispute with Trans Union and Trans Union tells me I need to call XXXX XXXX to report corrected information. It's been 6 months since I have sold that home and closed account. No problem with XXXX or XXXX. Thank you!

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 2021-10-23 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: AES/PHEAA
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

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