vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: TN

Complaint narrative:
I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt.

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.

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 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX of XXXX I initiated a stop payment request with Wells Fargo Bank on a check that had been lost. The check was for {$150.00}. The stop payment charge was {$30.00}. In XXXX of XXXX, the check had been found, cashed and was pending processing by the bank when discovered the transaction while checking my account on-line. 

When I contacted the bank to ask why the check was accepted, I was informed that the stop payment was valid for only 6 months. Any subsequent stop payment would be subject to an additional charge. 

I have since resolved the issue with the cashing party nor do I request any re-imbursement from Wells Fargo. My concern is that if that check was for a much greater sum I would have been forced into a choice if renewing the stop payment every 6 months or hoping the check would never be found and cashed. 

I contacted the XXXX XXXX XXXX XXXX  with a consumer complaint that stop payment of a check be honored by Wells Fargo in perpetuity. 

Below is the text of the reply from Wells Fargo that the XXXX XXXX XXXXXXXX forwarded to me : We have enclosed page 24 of the Wells Fargo Deposit Account Agreement. Per page 24 of the Wells Fargo Deposit Account Agreement ; a stop payment on a check is valid for six months. We may pay a check once the stop payment order expires. You must request a new stop payment order if you dont wasnt it to expire and we treat each renewal as a new order, and a new fee will apply. Your responsibility after we receive a stop payment on a check. Even if we return a check unpaid due to a stop payment order, you still may be liable to the holder of the check. 

XXXX XXXX XXXXXXXX office informed me that they have no influence with Wells Fargo other than register a complaint on my behalf, but recommended that I forward my concerns to 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 2021-12-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XXXX XXXX I was charged for XXXX 's for {$21.00}, XXXX 's for {$23.00} and {$17.00} for XXXX. I didn't authorize these purchases asked Chime to dispute the charges and their telling me that I authorize those purchases and they will not be refunding my money. Im on a fixed income and definitely in need of my money back. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace Cash Express Collection Department went to trying to collect and loan debt that was settle from and signed Settlement Agreement Dated XX/XX/2019 for {$210.00} dollars on the loan amount {$420.00} demanding that i pay the remaining balance of the {$210.00} that was supposed to be written off and cleared of my ace cash express loan account number XXXX inwhich i am summiting copy of the PDF Settlement agreemen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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:
Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.

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 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: FL

Complaint narrative:
In XX/XX/2020 I ordered XXXX XXXX XXXX for my home in XXXX XXXX, IN. The initial service installer was professional and did a good job. Over the next few months, I enjoyed good TV service. 
Then the weather changed and that is when I started to have several service interruptions every week. This was very disruptive and was not what I ordered or expected. 
I contacted the customer service department and discussed the issue. They then sent out a second service installer to relocate the XXXX antenna to another location on my property. 
This did not fix the problem, and I called again to cancel my XXXX service. I told their representative that I would wrap up their equipment and leave it on my front poach. 
Several days later I noticed that the XXXX antenna and the equipment package was gone, and I did not think anything else was needed. I paid for each month I received service. 
Last month I ordered a credit report from XXXX, only to find out that my XXXX score had dropped XXXX points to XXXX due to an erroneous collection account by XXXX and Allied Interstate Collections. I deny this collection effort due to the breach of service that I originally thought I was going to get. When I contacted Allied, they said I was being charged for not returning the XXXX equipment and also for an early cancelation fee. I never agreed to pay a cancellation fee for their inadequate service. 
My Attorney told me that I had received a significant harm to my good credit and that I needed to file a dispute.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
NewRez LLC services my mortgage. They failed to pay the premium for my property insurance, XXXX XXXX XXXX XXXX which was due XX/XX/2021. On XX/XX/2021, I received a notice of cancellation from XXXX, on the same day I had to submit a claim for wind damage on the XXXX policy. I was understandably upset by this coincidence. When I attempted to contact NewRez to rectify the problem, I was put through an extremely complex phone-option system that disconnected me after a XXXX effort the first time, sent me to a customer satisfaction survey before I had received any customer service and then disconnected me again the second time, and then finally connected me with a representative the third time, who claimed that NewRez had not received an invoice for the premium. This assertion was contradicted the information on NewRez 's customer portal, which clearly listed the premium as due XX/XX/2021, and nevertheless showed it as unpaid. NewRez 's representative placed me on an extremely long hold after which she informed me that she had spoken with XXXX and would be able to get the insurance verified as still in force, and p [ romised to get a check to XXXX within 2 business days. Although I am relieved that my homeowner 's insurance has not in fact been cancelled, apparently by the good graces of XXXX, I am happy to receive an assurance that NewRez will do its job after escrowing funds for the purpose, I am shocked that I was required to go through this process to get this company to service the loan they undertook to do. Since as a consumer I have no choice in the matter of what company services my loan once it is sold, I feel my only remedy to deal with quality control and customer service issues such as this, that put homeowners ' properties at risk of being uninsured, is to bring this egregious behavior to the attention of the authorities, and perhaps to other consumers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I was accepted into the XXXX XXXX XXXX Loan Repayment Program, through the Texas Higher Education Coordinating Board. In exchange for working five years full time ( as a XXXX XXXX XXXX ) at an approved facility providing XXXX XXXX XXXX  in a shortage area, my existing student loan would be repaid each year until completely repaid by the Higher Education Coordinating Board. 
I have fulfilled the requirements by working full-time in my position as an XXXX  However, there is still {$8000.00} + remaining on the loan balance because the Higher Education Coordinating Board had poor accounting practices, and accepted new applicants yearly without setting aside funds to adequately repay loans for applicants already in their program. 
The Higher Education Coordinating Board tried to coerce me into signing an additional contract with the Federal Government for loan repayment, but it was not an appropriate option as there were significant additional penalties and commitments attached. 
I have tried repeatedly to resolve this issue with The Higher Education Coordinating Board, as I am XXXX years old, have been through XXXX XXXX XXXX  and XXXX XXXX, but continued to work full time for five years to honor my commitment. 

The response of the Higher Ed Coordinating Board is indicative of Fraud on their part. Please help me to resolve this issue, as it is causing emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing today because this company has repeatedly ignored my request for errors contained in information they're reporting to the 3 credit bureaus. This company will not respond to any of my disputes. For starters this company is reporting incorrect information across every single credit bureau. For example high balance is different for every bureau, date last active is also different, last payment is also different. These errors are seriously affecting my financial profile and it is incorrect. How could everyone be reporting something different is they are from the same furnisher? This information is completely 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 explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizen One bank authorized a fraudulent account to opened in my name not once but twice. I cooperated with their fraud department to get the first account closed. The second account was opened after they were notified of the first account. The second account is still showing active and has been flagged as delinquent. My credit report and history has been damaged due to the lack of oversight from Citizens One bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: LA

Complaint narrative:
I want to dispute this debt because it isnt mine and i believe the account was open fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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:
Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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:
Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.

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 2021-12-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my consumer report on XX/XX/21 # XXXX and reviewed items that violate my consumer invasion to privacy, consumer rights to privacy in addition no written consent by myself was given. 

15 U.S. Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b The following are the items : XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-12-17 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and EXTER FINANCIAL LLC/CORP ( still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CA

Complaint narrative:
On XX/XX/2021 I received an alert from Experian that XXXX. XXXX has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from Experian that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to XXXX. XXXX and even the last one was notarized. I still have not received validation of this account but they are still reporting on my Experian.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
I fell behind on my mortgage payments during XXXX due to unemployment. I have been trying to work out a payment arrangement with Mr. Cooper, # XXXX, to pay something towards the arrears to prevent my home from being sold at auction at the XXXX XXXX 

I have working with the XXXX XXXX XXXX of XXXX XXXX DC. But do not qualify due to the outstanding amount due is more than XXXX. 

I have been a XXXX XXXX resident sent XXXX and do not want to lose my home. I feel that Mr. Cooper should provide me an opportunity to stay in my XXXX  now that I have been working for the past several years. 

I have been working with an XXXX, XXXX XXXX XXXX on a pro bono basis and Mr. Cooper is not cooperating with her on my behalf. 

I am reaching out to your office to seek assistance to stay in my home. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.

Company response to consumer: Closed with explanation