vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have called Nelnet numerous times. My student loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. Nelnet did not notify me that they started trying to collect on my deferred student loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on Nelnet. I disputed with the bureaus and Nelnet did not even respond- they provided no proof. I feel so violated. 

NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX NELNET XXXX XXXX NELNET - XXXX NELNET - XXXX NELNET - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Company doctored original billing statement after notifying them of inaccuracies. They refused to remove acct from my credit profile for years causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number 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 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone hacked my account yesterday XX/XX/26 at XXXX pm est and bought a {$2700.00} couch. The thieves are trying to send the couch to my home address. 

I immediately called Kohls to report the fraud and cancel my card. Because the order is in fulfillment, they state they can not cancel the order or refund the money today. 

Instead if I receive the couch, just return it or call us to pick it up. 

A XXXX pound ; XXXX foot couch! And then somehow get it returned back to them. 

The supervisor wouldnt even talk to me after being on the phone With 3 departments for 45 min. 

Utterly ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Last year while living in XXXX, I had my debit card stolen. The person was using the account over a period of a week or so and I realized in time to call Chase before the account was fully drained. They asked me to present all the transactions that were fraudulent and I did so the best of my ability. They mailed me a new card, then soon after cancelled my account after I activated the new account. In addition, they reversed every single disputed charge and said I was banned for life from opening account with Chase. This was devastating as I was relatively new to the bank and they were my XXXX XXXX XXXX To this day, I still have a balance over my head with Chase that they call about periodically and Im sure Im still banned from opening an account with them. When I asked why the account was closed, nothing was ever said in detail to me so Im not completely sure what they think I did wrong. When I said the charges were not my fault, they simply told me Chase reserves the right to terminate a relationship with a bank at any point. Im sure this is a company policy, but I felt discriminated against because of the nature of the incident and how I was suddenly banned although my card was legitimately taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the XXXX period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  has been reporting inaccurate information to TransUnion for months. Each time I dispute the account with TransUnion the account comes back verified as accurate and XXXX  updates the account status to something different. This account was never paid late, theres no past due balanced owed to XXXX. Ill attach a copy of my most recent dispute I sent to TransUnion on XX/XX/2023 so you can see all the discrepancies with this account. Ive tried to communicate with this company many times about this issue and its hard to do so because theres no customer support phone number, everything is handled via email and the times Ive communicated with them theyre basically refusing to correct the inaccurate information theyre reporting to the credit bureau 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 2023-11-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Experian to have my credit files confirmed, verified, updated or deleted and to send me a copy of the results along with the information on how it was verified and from whom it was verified so that I could follow up with them. I never received anything in the mail. I called on XXXX I was told that they didn't have to mail me anything and they didn't have to tell how they verified the information. I asked to speak with a manager and was told they would call me back, I didn't receive a call back until 2 weeks later on XX/XX/XXXX, I was working and could not take the call. I called back today on XX/XX/XXXX to discuss the fact that all of the negative things that are currently dragging should be removed because according to the Fair Credit Reporting Act Code 1681i ( 6 ) they had 30 days to complete the investigation or delete the files. They had 5 days to send a mailed copy of the results and they did not. I want the accounts 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 explanation
Consumer complaint received 2023-11-27 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:
Requested to remove incorrect information concerning my address, provided address verification along with diver 's license and company continues to verify inaccurate information.

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 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Resources, Inc.
State: MD

Complaint narrative:
My current loan servicer is American Financial Resources ( AFR ) also known as XXXX. I tried to submit a payment on XX/XX/XXXX and was not able to log into the system. I received a letter on the same day ( letter dated XX/XX/XXXX ) that the loan was being transferred effective XX/XX/XXXX. After that date the new servicer would be collecting payment which meant that my current loan servicer would still be collecting payment until that date. The letter stated to contact the current servicer and new servicer if I had questions. I have contacted my current servicer via 5 different telephone numbers, one of which was provided in the letter and others I found online, and via XXXX which is where customers usually go for account information. I am getting nothing but recordings that state either the agents can't access accounts or the systems are down and please hold for a representative that never comes on the line. I have also tried to reach out to my new servicer and they have no information because I am not yet their customer, technically. I am afraid now that my account will be in default because I have no way of accessing my account while their transition is taking place and today is XX/XX/XXXX ( 3 more days until my loan is 30 days late ). I feel that AFR/XXXX  is still responsible to their customers up until the date specified in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: IA

Complaint narrative:
See attached. I did not make any of these inquiries

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 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I owed XXXX XXXX. XXXX dollars and planned to pay off the debt. I suffered XXXX XXXX XXXX  and during the Covid-19 pandemic. I was not able to remain employed as a XXXX of which I had been gainfully employed in since the early XXXX until around XXXX. I have since lived off of about XXXX a month. Of that amount, my mortgage alone takes up almost half of. I explained to Midland Credit that I would like to pay them a lesser amount and they said that it would be impossible for that. So now they want me to pay XXXX as a one time payment, or XXXX dollars over 24 months, or lastly, XXXX for 27 years. I feel that I have no other choice but to file bankruptcy because I know that poverty begets poverty and negativity. Thank you, with kind regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
My information was wrongly used I had a fraud alert on my credit profile I didnt create these collections on my account I would like to remove all collections or inquiries on my credit profile I didnt have any idea my credit profile was being used

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citi bank credit cards were locked after I made a large purchase. When I called customer service they said to wait for a letter 7-10 days. That's when I was notified all my credit cards were now permanently closed down. When I logged into my account, my XXXX ThankYou points were removed and forfeited, valued at {$2300.00}. They told me this can not be reversed. I also just paid a {$95.00} annual fee 1 week prior. I tried to resolve on phone. They keep transferring me to different department and ultimately the line is so muffled from multiple transfers nothing is resolved.

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 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
Earlier this year, a collection appeared on my report from Aldous and Associates for {$100.00}. Unaware of the source, I called the company inquiring about the source to which they informed me that the debt was from XXXX XXXX, a membership I had opened almost a year ago. I informed the collection agency that I cancelled my gym membership, to which they responded that according to XXXX I had not. I attempted to call the corporate office only to find out that they either do not have a direct line or it is extremely obscure. I continued to inform the collection agency that I cancelled my membership a month after my service there but they claimed the manner in which I cancelled it was not correct therefore nullifying my Cancellation. I then asked them to remove it from my credit report to which they responded that they had previously tried to reach me numerous times at an address I didnt even live at. The email they sent to me was never seen because it went straight to spam ( most likely because people report their emails as such ) With no way to reach youfit and no resolution with Aldous & Associates, I went ahead and paid the {$100.00}. Now the account has finally been zerod out but I have a collection on my report for 7 years that should not have been there in the first place. I feel railroaded and youfit has no number I can find to rectify this. Theyve taken money from me that I know I dont owe and now Im on a 7 year journey with this only report. Im not asking for my money back, Im simply asking for the collection report to be removed from my report before Im forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: KS

Complaint narrative:
Repeatedly calling me at my office phone number and a robot is asking for a person whose name I do not recognize. They ask for a different name each time they call. They have called many times per day every day over the past two weeks. No amount was ever given given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
I have called XXXX numerous times. My XXXX loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. XXXX did not notify me that they started trying to collect on my deferred XXXX  loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on XXXX. I disputed with the bureaus and XXXX did not even respond- they provided no proof. I feel so violated. 

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 non-monetary relief
Consumer complaint received 2023-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called XXXX numerous times. My XXXX loan was transferred to them due to another loan servicer closing. I had my loans in deferment when it was transferred. XXXX did not notify me that they started trying to collect on my deferred XXXX  loans. I got a letter in the mail saying they were 90 days late and I was flabbergasted. This is predatory. They did not even tell me over the phone what the payment amount was, what they say was past due, or who authorized them to start repayment on a loan that was deferred. This is a problem with their transfer and mismanagement of my loan. Please update the accounts to NEVER late. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ). This needs to be investigated. I thought Biden put protections in place to prevent this! Shame on XXXX. I disputed with the bureaus and XXXX did not even respond- they provided no proof. I feel so violated. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief