vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complaint number XXXX Your response sent on XXXX XXXX I reject your response because I am certain your are committing identity theft fraud and violating the law at the same time. 
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they are sending bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an assumable loan and I called the number to talk to the department that handles assumption loans. NO calls or reps contacted me and can not call to speak to anyone but someone who takes numbers for call backs. Taking 7 business days when I was told it would be up to four business days. I have tried to have a supervisor call me and they have been " messaged '' and they do not call back. I have filed a complaint with the XXXX XXXX XXXX and asked the Escalated Calls dept to help. Even that service center takes phone numbers for someone else to call back. Gets assigned in 24 to 48 hours and they often do not call back. But they " resolve '' the case in 5-10 business days. Meanwhile, my house is not selling on the market this whole time. I have an assumable loan and this can help me sell. This is not timely.

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 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Since the loan forgiveness was a complete fail. I now own {$4700.00}, I tried to pay this in full on XXXX XX/XX/2023, on the same day the payment reversed. I then reached out via phone and due to the long wait I requested a call back ( which they told me would be within 24 hours ), I never received a call. I then tried to reach EdFinancial Services by online chat, and the represtivitive could not answer my question, because it was a robot. I then tried to make another payment on XXXX XX/XX/2023, but it was reversed AGAIN! 

This is so frustrating and it is causing more emotional pain and suffering than I ever expected. I am losing sleep over this issue all because EdFinancial Services does not have a proper payment portal? This is taking time out of my work day. I should be compensated for the time, pain and suffering they are causing me Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Hello, Back in XXXX of XXXX I submitted my auto-debit on Nelnet to XXXX payments. However, I never selected to have my payment due date advanced as I did not want interest to accrue XXXX certain balances. My XXXX payment did not go through. 

On XX/XX/XXXX I submitted the Income-Drive repayment plan on studentaid.gov to reduce my payment for my Federal Student loans on Nelnet.com. My payment should have been reduced to {$260.00}. I was charged the full amount of {$320.00} on XX/XX/XXXX, they then put my loan in forbearance as they changed my payment to the correct amount of {$260.00} but this causes my next payment to be on XX/XX/XXXX. 

I believe Nelnet is intentionally doing this on many loans to collect an extra XXXX months on accrued interest on millions of dollars in loan value. This is not clear to average consumers the impact on future interest impacts. It is also extremely difficult to select how additional loan interest payments can be allocated to different loan groups/lots. 

I have spent multiple hours on hold with agents trying to understand how they can fix this but the hold times are in excess of XXXX hours each day. The end of the loan pause has been know for over 6 months these issues should've been resolved and agents prepared to explain this to consumers. 

What I thought was going to be processed : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$260.00} and monthly going forward. 

What actually processed : What I thought was going to be processed : XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$320.00} and {$260.00} monthly but starting on XX/XX/XXXX. 

As the future payments are going to be based on different income amounts it is difficult to calculate my full impact on interest they will be able to collect on the new amounts. I have about {$26000.00} in student debt assuming all was at a 5 % interest rate. I would have expected to pay {$7500.00} in interest and have XXXX payments. But now would have paid a total of {$7600.00} in interest and an additional month payment with a final pay-off month of {$100.00} totaling an extra {$440.00} in interest paid to Nelnet ( XXXX in interest + XXXX in payments + XXXX in last month remaining balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: WV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-11 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-10-11 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:
I went through the process to dispute along with letters but nothing was resolved. I am currently trying to buy a home but this debt shows up as active and late. That's incorrect, it's been paid in full and should be removed from my credit report. Not all three credit buearus are reporting the same, especially Experian. Please remove this account completely. 
Thank you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase reported I owe them a balance on of the credit cards that belonged to a C-Corporation. The corporation was shutdown in XXXX  due to financial problems. I explained Chase, I am not responsible for the charges on the credit card. I personally did not use the card. They told me as per their policy, my personal information is tied to this card, hence I have to make the payments. They have declared delinquency several times on my credit report to force me to pay the balance. I eventually agreed to make monthly payments, which they started taking and after two years of payments they have handed over the case to a third-party collections company. 

The collections company harassed me every day, and they appeared on my credit report. XXXX has hurt my credit once again by bringing XXXX collections company. 

Chase failed to explain why corporate card was being charged back to an individual, why they are using consumer 's SSN to collect the money. Why did they declare delinquency while dispute is being investigated? 

Why did they bring a third-party collections when there is an agreement for a monthly payments, they clearly took several months of payments via auto-payment arrangement. 

Today, I settled with the offered balance with the collections company and I want Chase to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I don't know what happened to the car. It could have been stolen. All I know is that I do not have possession of the car and the loan keeps growing. I have attempted to pay it on time every month, but the interest is outrageous. They did not inform me that I would be paying 4x the amount of the money I actually received. They pushed me to purchase additional products from them and were determined to make sure I walked out in debt. This company is currently in a lawsuit, and I am experiencing the issues other consumers experienced with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-11 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was living in XXXX XXXX  and my lease was ending on XX/XX/XXXX. I reached out to the XXXX XXXX  XXXX on XX/XX/XXXX that I bought a new home and I can move out early by a month and I need their assistance so that I can save some money as I dont want to pay both Rent and XXXX at the same time. Property XXXX had called me to the office and suggested that she can only approve XXXX  days early move out and noted in the print outs that XX/XX/XXXX move out approved and do not accel Rent. She didnt mention anything about early termination fee or anything that sorts during the discussion. My XXXX month rent was {$1500.00} and I had paid the prorated rent, other utility costs {$890.00} on XX/XX/XXXX and dropped off the keys in XXXX office on XX/XX/XXXX end of the day. XXXX sent me an email after few months that there are penalties for early move out / lease end date change, which is way ( XXXX to XXXX  times ) more than $ XXXX that I was trying to save by moving out early. I did sent many emails or letters to XXXX disputing the transaction and no response received. I did work with an attorney and sent Demand for release letter to XXXX. Later, they had reduced the amount from XXXX XXXX XXXX XXXX XXXXXXXX, which is still way more than what I could have paid if I was staying inXXXX for those 15 days of remaining lease duration. This is really unfair and trying to take advantage of the innocents like me. 

I did explain this and dispute the transaction with the collection agency as well and they dont show any interest in explaining/ resolving the issue. They are just reading out the amounts that it is valid. Either they dont understand the issue or they dont want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp.
State: NY

Complaint narrative:
On XX/XX/2023, SETF has contacted my phone number from XXXX EST all the way until XXXX EST every hour and harassed me. On XX/XX/2023, I have set a payment of {$1500.00} to go towards the car note. SETF has violated the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ) by continuing prohibited practices by harassing me repeatedly calling my phone 4 times within 5 hours. Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
XXXX 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief