vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, Jefferson Capital Systems opened a collections account for a debt that they claimed I owed for an old phone bill. Several agencies have attempted to collect this debt in the past, and each time I have requested a copy of the contract to verify the debt. When Jefferson Capital first contacted me, I replied to their request on their website, disputing the validity of the debt and requesting a copy of the contract. They provided nothing in response but instead have added the account to my credit report at all three of the major bureaus. I have disputed the entries with those bureaus, but each time Jefferson has " verified '' the accuracy of the information with them and the items remain on the reports. 

On or around XX/XX/XXXX I called Jefferson Capital to request that the items either be verified properly or removed and again I have received no response. 

Jefferson Capital is refusing to provide proper verification of this debt and as such should be required to cease its collections efforts and remove the offending items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to XXXX XXXX and Experian about the validity of accounts on my credit report on XX/XX/XXXX ( 30 days ago ). I have not received a response from them. 

XXXX XXXX and Experian are not complying wither 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 2021-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I have already submitted a complaint regarding the factual issues with how my company has handled my income-based repayment plan. Please reference complaint ID XXXX. I am filing this complaint because I do not believe the original complaint was resolved and there was no continuation option other than to provide feedback which will not go anywhere. Despite the futility, I did submit feedback. 

This complaint will not focus on the facts of the exact nature of the original complaint, rather what was not addressed. The facts under the previous complaint demonstrated that my income of record did not match the advertisement and marketing puposes of the income-based repayment plan. The plans are supposed to move and dovetail with actual income, however, several factors indicate that is not the case. Nelent Inc. representatives even acknowledged that the most recent calculations could not be accurate. 

The allegations in this complaint is similar but is instead focused on the practices of Nelnet IncXXXX in application of the repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I have a debt with XXXX XXXX ( XXXX ) XXXX-XXXX in XXXX XXXX. {$1300.00}. I've been on a payment plan and have never been delinquent. My account was turned over to the collection agency Harris and Harris in XXXX IL. phone ( XXXX ) XXXX-XXXX  account reference number XXXX. 

I do not owe this collection company. They are demanding I pay both bills if the exact same amount. I'm caught between this health care company and this collection agency. I owe and am paying XXXX XXXX. I do NOT owe Harris and Harris. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a money market savings account with Synchrony Bank. Synchrony bank sent me an email stating my access to the " funds transfer service '' was suspended and instructed me to call the bank to request the extension to be removed. When I called the bank, they stated they did not know why the bank suspended the transfer funds service and that the account was under review. The bank could not inform me of the reason the savings account was under consideration. I asked the bank if I could provide or verify any information for them, and they stated no. I have had this account for years, and I transferred the money that I made from teaching and tax season to save until my bills are due, and now I don't have a convenient way to retrieve the money.

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I need my ChexSystems report to review for errors because I received a letter of adverse action. I requested my report via Internet in XXXX. I still do not have it as of today, XXXX. Further, the company has not communicated with me as to the status. I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). 

Ive just tried re-pulling my report, but the website shows an error that the report is frozen and that my PIN does not match. I never received any communication in the Mail or otherwise regarding either the report itself nor the PIN. 

Please help me get this and in an expedited manner. 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 2021-06-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX, by way of their collection agency XXXX XXXX, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with Experian twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected 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 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
First off I have repetitively told them to not call me since not only was at & t trying to collect a debt when I got laid off due to the pandemic and the company I work for shedding off debt this debt collection agency sunrise capital services has been continuously harassing me during the point of the executive order that prevents debt collectors from collecting debts at this time. Also at some point I was told by an agent they would report my debt to negatively affect my score and hurt me really bad to the point I may not be able to recover.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I started to receive letters from Midland Credit a couple months back for a said amount of {$1600.00} that they claim I owe. Midland Credit is now threating to sue me and damage my credit without the proper validate this debt being provided to me. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: IN

Complaint narrative:
I spoke with Sallie Mae regarding a loan my ex-husband has and I am a co-signer. The customer service rep did speak to me. However, when I asked about options since I am unable to afford payments, the only option given was to pay the $ XXXX+/month. My ex husband states he has never received the paperwork needed to file forgiveness based on total XXXX. I asked they send it to my email address. I was told they could not do that since I am only the co-signer. I then asked them to please send another set of paperwork to him at his address and and email. I was told I could not request the paperwork be sent only he can. I am the cosigner. I am being threatened with default. I am trying to make sure the paperwork is received and then filled out, but get a stopped when trying. If they can threaten me over the payment, why can I not request paperwork be sent? It appears no matter what we try to do, they will make it difficult to get this resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all XXXX credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

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 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I began a refinance process with Amerisave in XX/XX/XXXX and it has now been 6 months with no end in sight for the process. 

I followed up with the original loan rep many times during XX/XX/XXXX XXXX XXXX, being assured things were on track and ready to close. In XXXX I learned that there was a change in loan officers and that my application was sitting dormant for most of the 1st 2 months and that Amerisave had not even attempted to start loan subordination processes for a home equity line of credit.

I asked and suggested that we part ways and close the loan request and that my deposit of {$500.00} be refunded. Amerisave refused to refund the fee even though they had done very little work and had completely failed to perform their function as a mortgage company. My refinance should not have been complicated with a 35 % LTV ratio and 2 straight forward subordinations, of which I offered to close a HELOC with {$0.00} balance to eliminate 1 subordination to speed the process. 

4 months, 3 credit checks, 4 paystubs, and a host of other recurring requests for updated information from me later, and still no loan. A title company just reached out this week to ask about information to assist them on this refinance with a subordination, this is more than 5 months into the process! 

I am requesting my {$500.00} deposit back and to walk away from this company which has clearly not performed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
An account was opened with my name address and social security number. I did not open this account. TD bank froze the account and told me to report tht my social security number is compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: KS

Complaint narrative:
The XXXX XXXX sent SEVERAL harassing texts to family members indicating they were a law firm trying to reach me and sue me! They even called my elderly mother and harrassed her as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was a victim of fraud on my business account in the amount of $ XXXX Navy Federal Credit union is being investigated by cfpb for their conduct and failure to act in a proper fiduciary manner and refused of accept the determination by law enforcement and has continued to block a resolution. On XX/XX/XXXX i contacted collection and was advised that a Stay was on this account until cfpb completed its investigation. I received a letter from NFCU collection dated XX/XX/XXXX and postmarke XX/XX/XXXX advising me that unless i made arrangements with them regarding the balance of the debt $ XXXX that they would close the account. They closed the account on XX/XX/XXXX despite both the Stay and that they sent it after the deadline. I received this letter on XXXX this is an intentional breach of proper notice as well as mail fraud. My account is in collection and all of my correspondence '' evidence '' has been deleted by NFCU as well as I have no access to the account to do my XXXX taxes. I have been disconnected by NFCU in the last 24 hours 5 times. Account XXXX XXXX acct # XXXX. NFCU should reinstate the account until the investigation is complete and at that point if I have any liability I will address that. The damage to my business reputation credit worthiness and the failure on NFCU to their fiduciary obligations and legal protocol is unprecedented. They even took my unemployment payment and refused to provide me a list of protected funds. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TN

Complaint narrative:
I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( equifax, XXXX, and XXXX ) are reporting this information without consent. 
Please reference the cornell law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Action : Late XXXX, called Citizens Bank Loan Servicing Center to have lien release from my HELOC mailed to me. 

Result : Citizens did not mail the lien release. I called 3 additional times to have the lien release mailed. Citizens claims to have mailed it XX/XX/XXXX but it was never received. 

On XX/XX/XXXX, I called Citizens for the fifth time to request the lien release be both emailed and mailed to me because their delay is preventing the sale of my house because of an inability to prove their lien has been released. 

Citizens refused to provide the name of any person that I could use as a contact to ensure that my request would finally be processed.

Citizens ' delay has resulted in a delay in the closing of the sale of my house. As a result, I have not received the sale proceeds resulting in financial hardship. In addition, I am paying more in interest expense on my home equity line of credit because it has not been paid off as early or quickly as it would if Citizens would have correctly processed my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to XXXX, TransUnion and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

XXXX, TransUnion and XXXX  are not complying wither 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 2021-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to Equifax, XXXX  and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

Equifax, XXXX and XXXX  are not complying wither their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: OH

Complaint narrative:
I need ALL forms of ALL reports created by LexisNexis, including XXXX XXXX life-insurance related, health insurance-related, etc. reports to review for errors because I received multiple letters of adverse action from multiple LexisNexis report types. These AA letters indicated patently false data points/information. I need these false data removed because Im being surcharged for various insurance types, and other carriers will not accept me ( based on the LexisNexis report ( s ) ). 

Further, I wish to exercise my Right to Be Forgotten and must examine the records to ensure all requests have been deleted or else to know how to refer to such reports. LexisNexis will not advise to its formal opt-out system for all its productsonly one, singular tool for one report type exists, and they allege compliance with my request. 

I requested my report via Internet in earlyXXXX, midXXXX and again this week ( early-XXXX ). I still do not have any reports as of today, XXXX. 

The company reached out to me via XXXX after having complained about the disservice, but theyve failed to follow through with their promise to even reach out. 

Beyond the above items costing me ongoing financial harmfor which Lexis is directly liable, I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). Please help me get this and in an expedited manner. Thank you.

Company response to consumer: Closed with explanation