vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX shows thst i make a late payment on XXXX, XXXX, XXXX and XXXX, it is a wrong information on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX shows thst i make a late payment on XXXX, XXXX, XXXX and XXXX, it is a wrong information on my credit report..

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 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I bought an {$100.00} AMEX e-gift card in XX/XX/2023. I have tried using it on numerous websites and in stores and it always is declined. I have called the number provided numerous times and I either cant get through to someone or the person cant help me figure out why it wont work. In XXXX I called to ask for a refund and the person was unable to do so. I regret purchasing this and Im beyond frustrated that their customer service is so poor and that I essentially spent {$100.00} for something I cant use anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 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: OH

Complaint narrative:
I have tried pulling my credit and have gone to different companies, they all say that the credit bureau keeps messing with my credit report and reporting different information causing an error in the system these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY NONE OF THESE ACCOUNTS BELONG TO ME AND ARE CAUSING AN IDENTITY ISSUE

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 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made purchases in the amount of {$16.00} {$6.00} {$78.00}, and {$14.00}. My card was stolen. Cash App paid the items from the new card issued but is basically hold the same dollar amount in items and will not release the funds nor give me access. The items were paid out and they still have the original authorizations on hold. I called multiple times and the representatives hung up and told me they had no information. They would not allow me to speak to a supervisor and refused to give me an address to their Corporate Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loans are serviced through the loan service company called Nelnet. I applied for the XXXX plan in XXXX of XXXX  prior to loan payments resuming sub covid forbearance period. 

Per the XXXX plan, I should not incur any interest. Nelnet put me on a admin forbearance because they were having trouble with their internal systems getting the XXXX plan approved quickly. According to press releases by the federal government and XXXX XXXX, no interest was supposed to accrue on my account while in a XXXX XXXX ( Nelnet ) implemented admin forbearance. 

Please note that the forbearance request was not requested by me. However, my loans were charged interest until Nelnet was able to implement the XXXX plan. Basically, I got charged for XXXX months interest. The federal government released a statement that no borrowers were to be charged interest during an admin forbearance that the loan servicer implemented, while waiting for any loan servicer to implement the XXXX plan for your account. 

I believe the interest accrued during the admin period and added to my loan balance is around {$1300.00} ( rough estimate ) or so, and I would like it removed from my account. I have messaged Nelnet a little less than XXXX weeks ago, but I have not received a response. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I received a letter in the mail from XXXX XXXX  advising a recent application for XXXX XXXX XXXX XXXX XXXX card was unable to be approved. This was surprising as I did not apply for any credit with XXXX XXXX XXXX XXXX XXXX. I also received another letter in the mail from Concora Credit - XXXX. This letter confirms an account with XXXX was approved. There is a card attached that list my name as well as the card number. It also has an expiration date and CVV code. I called XXXX XXXX  to alert them to this fraud and spoke with a Supervisor named XXXX at : XXXX. She advised the credit application was done online. XXXX advised she will update my information noting that the application was fraudulent and also states she would be notifying the bureaus that the inquiry was also fraudulent. I will be contacting the bureau 's to request a freeze on my accounts and request for a copy of my credit report from all bureaus. I did not apply for credit with XXXX XXXX XXXX XXXX XXXX and this incident I'm reporting is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This medical bill pertains to my son. His father is responsible for paying this bill and his card or bank account is currently making monthly payments on this bill. I would like the debt to be transferred to him since he is the responsible party.

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 2024-01-27 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: DC

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 2024-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My Contact Info : XXXX ; XXXX My Loan Number : XXXX XX/XX/XXXX I made two separate additional principle payments to XXXX XXXX XXXX, which brought the loan to value ratio of my mortgage to below 79 %. I requested the PMI to be removed, but later was denied with no reason provided to me. 

XX/XX/XXXX XXXX removed PMI from my monthly payment moving forward and sent a confirmation letter ( attached ) to me. From then on, PMI had not been part of the Escrow charges on my loan statements. 

XX/XX/XXXX XXXX XXXX XXXX was purchased by NewRez. The XXXX and XXXX statement I received from NewRez had no issues. 

XX/XX/XXXX I received the escrow analysis claiming that I owe the Escrow {$1200.00}, which was a result of the previous 6 months of PMI not being part of my monthly statement. Furthermore, NewRez added PMI back to my monthly payment. I contacted NewRez for 6-7 times after I received this analysis, explain to them that PMI was removed from my monthly statement by XXXX XXXX XXXX and the escrow analysis was incorrect and therefore my monthly payment for XXXX should not be raised. 

XX/XX/XXXX I faxed a written request to have PMI removed from my loan ( again ), this time to NewRez. Since then I have not received any communication from NewRez. 

XX/XX/XXXX I made another additional principle payment to my loan, which brought the loan to value ratio to 77.4 %. And submitted another three written requests to NewRez through their online contact form, requesting the PMI be taken off my loan and official documents explanation on the mixup of the " shortage '' on the PMI, which was likely caused by the error handling between XXXX XXXX XXXX and NewRez. I have not received communication from NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: M&T BANK CORPORATION
State: RI

Complaint narrative:
Dear XXXX XXXX and M & T Employees, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day 1, being short and disrespectful about men surviving XXXX XXXXXXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.

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 2024-01-27 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: OH

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 & XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :

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 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: GA

Complaint narrative:
Dear Synerprise Consulting Services , Inc., I am writing to address the recent communication regarding the cancellation and removal of certain accounts from your records, as was requested in my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Despite your assurance that these matters would be removed from my credit reports and cease reporting, I regret to inform you that the accounts are still being reported to the major credit reporting agencies. This ongoing reporting is inaccurate and continues to infringe upon my rights, adversely affecting my opportunities and causing significant distress. 

I firmly request immediate action to rectify this situation. The accounts in question must be removed from all consumer reporting agencies immediately. Additionally, considering the ongoing violation of my rights and the resultant impact on my life, including aggravated identity theft, constructive fraud, and inaccurate reporting, I am seeking monetary compensation. {$3000.00} would serve as reparation for the pain and suffering endured due to this prolonged issue. 

I trust you will treat this matter with the urgency and seriousness it warrants. Prompt resolution is imperative to prevent further detriment to my financial standing and personal well-being. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I, XXXX XXXX, am writing this complaint as a result of being threatened by a debt collector. The name of this abusive debt collection agency is LVNV FUNDING LLC DBA RESURGENT. I, XXXX XXXX, have been constantly harassed and threatened by LVNV FUNDING LLC DBA RESURGENT multiple times. This is both confusing and a violation of the FDCPA per 15 USC 1692e ( 14 ) being that they have two names. LVNV FUNDING LLC was sent a request to properly validate the alleged date on XX/XX/year>. Within the letter requesting validation of debt, LVNV FUNDING LLC was also told to " cease and desist '' as quoted directly from the letter sent to them, " If your offices are able to provide the proper documentation as requested pursuant 12 CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. '' This request was not honored and LVNV FUNDING LLC persisted to harass me XXXX XXXX immediately after receiving a notice to properly validate the alleged debt which is a violation per 15 USC 1692c ( c ). LVNV FUNDING LLC were asked questions in the request for debt validation as an attempt to confirm if they were legally allowed to have XXXX XXXX 'S personal information and if they were legally allowed to collect in the state I, XXXX XXXX resided in. They completely ignored those questions and persisted on sending more electronic emails coercing XXXX XXXX to pay the alleged debt by bringing attention to the fact that they are counting down before they take legal action by sending the matter to an attorney which is a violation per 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and per 15 USC 1692e ( 4 ), and 15 USC 1692e ( 10 ). LVNV FUNDING LLC did all of this without proving that the alleged debt legally belongs to XXXX XXXX. This behavior is harassment, and abusive, and quite frankly causing unnecessary stress and emotional discomfort which is a violation of the FDCPA. LVNV FUNDING LLC is also furnished the collection account inaccurately on XXXX XXXX 'S consumer disclosure reports in which the information in the payment history section is reflected as " No Data '' which indicates an incomplete account. This is a violation of the FCRA per 15 USC 1681 pertaining to accuracy and fairness of credit reporting. I, XXXX XXXXXXXX, am aware that LVNV FUNDING LLC were sued by KEVIN LARGE v. LVNV FUNDING LLC, PENNELL v. LVNV FUNDING LLC, and RAMOS v. LVNV FUNDING LLC. Each case the lost for abusive behavior. LVNV FUNDING LLC is liable per 15 USC 1692K Civil liability and many more violations. Lastly, LVNV FUNDING LLC was sent an Affidavit of Truth in which they ignored and did not rebuttal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid the paper on my credit card before the due date. XXXX days later I paid the card off in full. I had a XXXX balance for XXXX days, then received a bill stating I owed {$83.00} in interested. I called the company and spoke to a representative and was told its in the terms and agreements that interest can not be waved. I know that to be untrue so I requested a supervisor. The supervisor said she will see about waving the interest since my account was paid in full and I was a card holder for XXXX  years but said there was not an option to do so. I requested to have the situation escalated and was told she will file a complaint but to not expect a call back or anything. I was given false information from the first person and offered no help or solution from the second person I spoke with. Ive never missed a payment in XXXX  years. Ive only been late because Ive paid the payment after XXXX eastern time on the due date when I live on the XXXX  coast and have never gone by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Dear XXXX XXXX and XXXX XXXX XXXX XXXX, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day XXXX, being short and disrespectful about XXXX XXXX XXXX XXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.

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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was assessed a penalty fee for a late payment in XXXX of XXXX. Citi has not removed the penalty rate as of XXXX XX/XX/XXXX without any further late payments. They are unable to remove the pricing issue.

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 2024-01-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: IL

Complaint narrative:
The debt was paid back to the lender but its still showing unpaid on my credit report, and is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I was gifted an American Express gift card, and I am unable to use it anywhere. Not XXXX, tried to use it to buy a XXXX gift card at a grocery store by adding it to my digital wallet at that store, didn't work either. Now I have a bunch of pending XXXX cent transactions on the card from it trying to be verified. 

All I read online is how these don't work anywhere, trying to see if I could just get a check for the amount. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: OH

Complaint narrative:
these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' Please delete all of these accounts off of report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANKRUPTCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is XXXX XXXX upon discovery after viewing my consumer report I see that CEO XXXX XXXX XXXX  FirstPoint Collection Resources , Inc. is reporting three alleged debt ( s ) onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding FirstPoint Collection Resources , Inc cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received a XXXX XXXX XXXX XXXX as a gift for XXXX. Activated card, {$300.00} balance when activated. Attempted using card for different transactions in store and online, every single time it declined. A few weeks pass, I contact the card company and was able to speak to a representative who ended up replacing the card with a new one via mail. New card has the same problems. Shows {$300.00} balance & activated, but unable to use for purchases online or in store.

Company response to consumer: Closed with explanation