vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
The mortgage account with 21st Mortgage was PAID IN FULL on XX/XX/2022. XXXX and/or 21st Mortgage continue to report FRAUDULENT information. 21st Mortgage continues to report an open account with a $ XXXX balance and 90 days late. XXXX REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT XXXX and 21ST MORTGAGE do the same!!! XXXX is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from 21st Mortgage has previously been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC
State: CO

Complaint narrative:
I had stored cryptocurrency with Celsius Network. They are currently going through bankruptcy court and the findings ( XXXX XXXX XXXX  ) show a clear pattern of fraud and Ponzi / pyramid scheme actions. 
My issue is that I was supposed to have a custody account, where the assets were held like at a custodian, in my name or the name of my business. They were not held that way and were instead part of the general bucket of asset which got traded away. There is potential with the bankruptcy court of custody accounts getting some money back, but their support won't answer emails or calls to correct my account. It was marked as custody when signed up, and I had asked to move it to custody before they froze withdrawals and before they filed for bankruptcy. I just need my account properly set as a custody version.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CO

Complaint narrative:
The amount that I have been paying already is being handled by XXXX XXXX Senior Financial Counselor Revenue Management at XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: WI

Complaint narrative:
I have applied for PSLF ; however, despite me working at a non-profit, because I was in XXXX  XXXX bankruptcy, I can't get approximately XXXX YEARS of my COVID covered forgiveness. Everyone else has been able to, even defaulted accounts! I was paying on my student loans for the 5 years I was in bankruptcy status and that does NOT count either. Does it make sense that : 1. People who defaulted are allowed a clean slate/forgiveness but those in XXXX. XXXX bankruptcy and PAYING on their loans do not? 2. There is no compromise on it? 
What do you think would be a fair outcome to your issue? What would help : Have those months count - it was technically COVID - everyone received PSLF EXCEPT those in XXXX. XXXX bankruptcy. I paid on these loans in good faith for 5 YEARS. These need to count towards that PSLF time- as noted, especially during COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Received a call back in XX/XX/XXXX about student Loan Forgiveness. Spoke with a XXXX XXXX, who said he worked for XXXX XXXX. Discussed how to reduce my student loan amount. So I paid {$230.00} from XX/XX/XXXX to XX/XX/XXXX. Then, payments were paused. I thought I had paid a little over {$1100.00} towards my loans to reduce the amount. 

Then, once I got an email from Aidadvantage XXXX XXXX regarding my loan payments are to resume soon. I looked into my account and saw none of my payments I had done from XXXX 2021-XXXX 2022 reflected. I called customer service on XXXX XXXX and spoke with a representative who informed me it sounds like fraud. Since I would have to work in public service to get forgiveness. Since Im a stay at home parent I wouldnt qualify. The representative then gave me the number to their Fraud department which l called and spoke with another representative. She had me fill out a feedback form and inform to file a complaint with the Consumer Protection Bureau. So now I filing a complaint regarding fraud. I will be contacting my bank, XXXX XXXX XXXX XXXX, regarding this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-08-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I applied for a home equity loan. The lender sent 2 letters one for myself, and one for my husband. My notice states under my score factors : 1. Number of accounts with deliquency 2. Too few accounts currently paid as agreed 3. Proportion of loan balances to loan amounts is too high 4. Length of time accounts have been established I dispute all of these statements. I have no delinquent accounts. My accounts are all paid as agreed. The only loan I have is my mortgage, myself and my husband are on this, the original amount was approx. 280,000. The balance is XXXX. Never a late payment. None. I actually send extra towards the principal every month. My current home value is {$400000.00}. +. The length of time accounts have been established. What does that even mean. I have credit cards that are XXXX XXXX XXXX, no balance. no late payments. I have a credit card that is about XXXX XXXX XXXX. No balance, no late payments. 
Have I had these accounts too long, or not long enough. Ridiculous erroneous information. 
I was on a chat with trans union consumer US, that was abruptly discontinued with no resolution. Just repetitive questions that got me nowhere then hung up. 
So here I am, trying to get these negative, inaccurate items cleared up. 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 2022-08-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
BY LAW XXXX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. XXXX HAS FAILED TO PROVIDE SUCH PROOF. XXXX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-16 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: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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

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 2022-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
I recently started a new job and as part of that I had a XXXX XXXX XXXX with my previous employer and a new XXXX XXXX XXXX with my new employer. I've been trying unsuccessfully since XXXX to transfer my old XXXX to my new XXXX. Both XXXX are part of Optum which apparently operates separately with Optum Financial and Optum Bank. XXXX of my XXXX is with Optum Bank and one is with Optum Financial. I talked to representatives at both parts of Optum and was instructed to download a transfer form to send in. The first time I followed the instructions and they responded and said it wasn't valid. Then I talked to them and asked them to walk me through exactly what they needed. The representative directed me to the location on their website to download the form and walked me through the fields to fill out as well as where to upload it. I did it just like they asked. Now they have done the opposite of what I needed and closed my new XXXX, transferring the funds to my old employers XXXX. In calling them today rather than help me solve it, the representative just kept telling me it was my fault because I filled out the wrong form. They are literally the same company, how can this be so difficult? I asked to have the call connected to a manager to which I was told he could handle it. Had to push to get a manager on the line to which I've now been on an excessive hold and I have very little faith they are going to help me get this resolved. They have also been charging me account maintenance fees on my old XXXX monthly because my old employer is no longer paying the fee and they charged me a transfer fee from my new XXXX. This is exceedingly frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: OR

Complaint narrative:
The background check for my job showed that my case happened in XXXX. It happened in XXXX and finished in XXXX. Also it said it was job related but it had nothing to do with work in any way. It was a hunting accident.

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 2022-08-16 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: TX

Complaint narrative:
The mortgage account with XXXX XXXX was PAID IN FULL on XX/XX/2022. Equifax and/or XXXX XXXX continue to report FRAUDULENT information. XXXX XXXX continues to report an open account with a $ XXXX balance and 90 days late. Equifax REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT EQUIFAX and XXXXXXXX XXXX  do the same!!! Equifax is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from XXXXXXXX XXXX has previously been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Never got notification of a debt at all. Never given an opportunity to pay, all calls to the company go unanswered. No way to pay supposed debt or verify debt. Only found out it was owed because it showed up on a credit report as collections. I have stellar credit and history with all companies Ive ever been involved with. Im beyond upset about this turn of events and want the entire thing cleared up. If its a debt? Give me a way to pay for it! Its been a few weeks of attempts to clear up with no communication from this company. Should have been given not only notice of debt but a fair amount of time to pay it before any action was taken that resulted in marks on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
I was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they represented DNF Associates, LLC regarding a so-called debt with XXXX XXXX XXXX account in the amount of {$2600.00}. I disputed on XX/XX/XXXX via certified mail return receipt of their claim of debt in the amount of {$2500.00}. I communicated that I did not owe this debt. I disputed the validity of their claim of debt in the amount of {$2600.00} due to DNF Associates, LLC. given the claim of indebtedness is without basis or merit. I did not have or ever had a XXXX XXXX account, In addition, I do not have a business relation nor history of any business transactions with XXXX XXXX nor DNF Associates, LLC. I requested as of XX/XX/XXXX pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ) Validating Debts that they provide proof to me of the following : - amount of the debt including evidence of any and all transactions giving rise to this so call claim of debt ; - the name of the creditor to whom the debt is owed ; - verification or copy of any judgment ; - evidence a XXXX XXXX account in my name ; - evidence a business relationship with the original creditor ; and - proof that they are licensed to collect debts in XXXX XXXX XXXX XXXX responded on XX/XX/XXXX to my XX/XX/XXXX request and failed to provide and information evidencing that I incur the so called indebtedness with XXXX XXXX via a XXXX account. On XX/XX/XXXX I was served with a summons concerning a Civil Complaint in the State of Michigan in the XXXX District Count for the County of XXXX with DNF Associated , LLC. by and through its attorneys. XXXX XXXX XXXX XXXX XXXX. the Jurisdictional Allegations 1. Plaintiff is the assignee of Defendant 's account with XXXX XXXX XXXX 2. The amount in controversy, exclusive of interest and costs, is less than {$25000.00} On XX/XX/XXXX, I filed with an Answer and Affirmative Defenses to Plaintiff 's Complaint. I denied all of the Plaintiff 's Claim for Relief and provided my Affirmative Defenses : 1. Lack of Privity. I asserted that there is no contractual relationship of agreement between the plaintiff, or the plaintiff 's assignor and the defendant. Specifically, I never entered into the contract of agreement alleged in the Complaint, and I am the victim of identity theft and the account, contract or agreement was created with my knowledge or consent. I therefore report this complaint to the Consumer Financial Protection Bureau of identity theft and ask for your assistance,

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 2022-08-16 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: LA

Complaint narrative:
I am a natural person, I am a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was approved for HAF with XXXX  months of forward payments. From XX/XX/XXXX through today and going forward I have been reaching out to XXXX and PennyMac to see if funds have been paid. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I emailed XXXX and to date, none of those emails have been responded to. I've sent PennyMac my award letter on XXXX and on XX/XX/XXXX, I received a response saying that to date they have not received any funds from HAF or XXXX and that if payment is not received by the XXXX day of XXXX, a late fee will be added to my account. In order to avoid late fees and negative reports on my credit, I made the payment on XX/XX/XXXX. On the morning of XX/XX/XXXX, I called HAF customer service who advised me that a paper check was sent out on XXXX to all services I was approved for On XX/XX/XXXX, I called PennyMac and spoke to a woman in the HAFXXXX  loss mitigation department who told me that as of XX/XX/XXXX they have received no correspondence or payment from HAF or XXXX XXXX As of today, XX/XX/XXXX, all other approved utilities has been paid by HAF  and my mortgage is the only thing left unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing this concern therefore to facilitate your understanding. Back in XX/XX/2022, I received a negative late payment item was listed, I lost my job and created a late payment, despite the actual fact that I scorned receiving this late payment. I do feel precarious relating to it even presently, however, I did get current on the account # XXXX XXXX, as presently as my financial standing improved. I actually have been working hard to create a financial responsible alternative and have better control of my money and secured employment. 

I was looking to get a higher credit limit with Dillards in the near future, and it has come to my attention that the late notation from the company may prevent me from taking full ad- vantage of the best interest rates available. Since that notation does not reflect my current status with Dillards, as it is current, I am requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at Dillard 's and I plead for such consideration.

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 2022-08-16 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
I am a natural person, I am a living human being. 

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2022 and again on XX/XX/2022 I sent a validation letter to LVNV to validate a false collection and on 2 occasions they sent back a false and misleading form which is violation of my consumer rights. 15 U.S. Code 1692j

Company response to consumer: Closed with explanation