vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On a recent phone call a female agent stated I have XXXX loans. Credit reports show I have XXXX. XXXX out of the XXXX loans reports as in good standing since I last reported Nelnet. There are too many discrepancies on my account. My disputes are not about whether I was ever late, but that you cant state I defaulted my loans at the same time yet releasing them from negative back to positive at different times. Speaking to me in a condescending manner and tone and telling me I shouldve been more proactive or responsible to not have faced the problems I did is the most disrespectful thing a company like Nelnet can do. This country doesnt know a thing about compassion or love. What do I expect from a country that tells us to go to college to make more money yet hold us in debt for eternity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
I FOUND FRAUDULENT ACTIVITY ON MY CREDIT REPORT IT IS A COLLECTION DONT BELONGS TO ME I NEVER STAYED IN XXXX XXXX XXXX XX/XX/XXXX COMPANY NAME : XXXX XXXX  ACCOUNT # XXXX DATE : XX/XX/XXXX AND THE ADDRESS IS XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX AND I ALSO GOT XXXX HARD INQUIRES XXXX  XXXX XXXX  XXXX XXXX : XX/XX/XXXX & XX/XX/XXXX 2024

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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On several dates I have sent letters into the credit bureaus as well as Midland Credit Management and I have yet to receive a response from either. I am asking for the collection company to validate the account per the FCRA law that is my right and they have yet to respond with the requested information. I want it to include the full payment and charge history of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to you regarding the account that appears on my credit reports. The details of the account in question are as follows : Account Name : RESURGENT/LVNV FUNDING Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$270.00} past due as of XX/XX/XXXX. 
Balance : {$270.00} XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
The law offices of XXXX and XXXX try to garnish my wages based off of serving Someone else a female at a residence I do not live at a car I used to own, was parked in their driveway I was not aware of this complaint or judgment against me until my employer elevation. XXXX told me they had to garnish my wages when I called XXXX and XXXX find out what was going on their call center representative. Who took my phone call and discussed my account with me told me she could not determine where, they were coming up with the {$1600.00} that I owed every credit card statement provided to them from the XXXX XXXX XXXX had a zero balance on it at the end of it when I called the bank XXXX Missouri they stated that {$690.00} {$300.00} secured credit card XXXX months of payments and interest accrued after 90 days the card was closed and no other interest was in accrued at that time I asked for validation of debt and proof of service after 30 days. They did not provide me with that after 45 days, my employer returned the {$1500.00} that they had taken from me, because XXXX and XXXX could not provide me with the proper documentation to validate this debt since then since then I have called every month to ask them to stop accruing interest because they did not properly serve me or when a judgment they have damaged my credit they have not provided me with proof of validation or debt or proof of service they have not attempted garnish me again. They just continue to increase a debt illegally because they are saying that they are allowed to collect interest on a debt which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
i found inquires rthat i dont recognize on my report and need them removed asap XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian 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 explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
So I have been trying to get a bank account for the last few months. I received information regarding an account being opened at BMO Harris fraudulently. I havent had a social security card physically in about 8 years. I was notified of this when I did check my consumer report with XXXX, the address listed for the reported account isnt even my current address. I have had multiple inquiries from banks to that I have no knowledge of. I do plan on submitting a dispute to XXXX because again I havent had a physical social security card in about 8 years. My social security card was mailed to a former address where the mail was compromised. There were checks deposited into these accounts as well which has prevented this, in the amounts of XXXX and XXXX. I have tried to speak with BMO regarding this matter but they told me they could not provide any further information for me.

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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For several years, my Chase Ultimate Rewards points have been redeemed via another users XXXX account. 

My Chase Sapphire Reserve card is somehow fraudulently linked to another users account and theyve been redeeming them for cash value. This has been going on for some time and has rendered the points Ive earned with Chase effectively useless. 

For the purposes of this complaint, I basically dont have a XXXX account. Ive intermittently used it to do person-to-person transfers : the last transaction I can see was in XX/XX/XXXX and it hasnt been used regularly since XXXX. Theres no evidence it has been used to make points redemptions ever. 

On my Chase account I can see that it lists a linked XXXX account enrolled a Pay with Points option. When I call Chase says that there is no account linked and that I should speak to XXXX. 

Ive called XXXX several times and theyre not able to find any specific transactions and cant precisely find the malicious account because I dont have the exact card number used to do the initial linking ( my card # has changed ever time Ive called Chase about this issue so its hard to know what it would have been at the time ) General Timeline : XX/XX/XXXX * At some point in roughly XXXX XXXX, I started getting Pay With Points redemptions on my account In Between : * Ive called multiple times * At one point they had me reset all my Chase credentials and sent me a new card, which seemed to work * Months later, the points started disappearing again without me noticing * I ended up just giving up for a bit before calling again a few months ago * On at least one occasion Ive tried to talk to member services/retention and was told the matter was resolved and there was no reason I should expect additional compensation ( I dont understand what you mean that you cant use your points, weve refunded them, etc ) XX/XX/XXXX * Called Chase again about trying to get all my transactions adjusted again XX/XX/XXXX : * Got an adjustment for XXXX points XXXX XXXX, XXXX : * Pay With Points redemption for XXXX points, followed by additional redemptions XX/XX/XXXX : * Called about getting an adjustment again for the redemptions between XX/XX/XXXX and now * Asked why the XX/XX/XXXX adjustment was only for XXXX points * Was told they could not offer an explanation for the reduced adjustment other than that some transactions were deemed legitimate At this point Ive had XXXX of thousands of points that Ive earned taken, refunded, and taken again, over and over with no resolution. The value to me is both my time and lack of access to the points Ive earned to use for travel, and the cost to Chase at this point has to be over {$10000.00} in points use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: Conn's, Inc.
State: AR

Complaint narrative:
According to the IRS and unpaid charge off is income and according to the fcra income can not be reported on a credit report. I'm requesting a XXXX cancellation of debt from the following charge-off accounts listed below. XXXX  ACCOUNT LISTED ON ATTACHED after checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form PER Arkansas Fair Debt Collection Statute A.C.A. XXXX THE CONTRACT IS TIME BARRED AND SHOULD BE DELETED AS 5 YEARS HAS PASSED FROM XX/XX/year> NO COMMENTS LISTED TO PROVE ACCOUNT HAS BEEN DISPUTED BY ME EITHER. IVE INCUDED DOCUMENTS TO FIND ACCOUNT AND FOR MY IDENTITY. IM ALSO AN IDENTITY THEFT VICTIM AND ACCOUNT IS A ACCOUNT I HAVE REQUESTED TO BE REMOVED AND OR BLOCKED I CANT RECOGNIZE THE ACCOUNT AND HAVE TRIED AND TRIED TO HAVE THEM REMOVE ACCOUNT. THEY CONTINUE TO NOT PROVIDE INFORMATION. I HAVE SUBMITTED PAPERWORK AS LAW REQUIRED AND WILL NOT SUPPLY ANY MORE DOCUMENTS BUT I DO REQUEST FOR THEIR LEGAL CONTATC TO FILE MY SMALL CLAIMS COMPLAINT WITH THE COURTS IN XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XXXX XXXX transferred my mortgage to Shell Point while XXXX was processing a modification. Whatever is owed goes to the end of the loan, {$1400.00} to be paid then {$610.00} a month. XXXX told me that they sent the information to Shell Point and Shell Point wont give me any information. They say theyre working on it? It was already completed and offered to me by XXXX before XX/XX/XXXX. Also the loan information is wrong. They have XXXX as my mortgage owner. XXXX was an equity loan that I had years ago and was written off as unsecured through XXXX  XXXX in XXXX. I finished the bankruptcy in XXXX and it was closed. In XXXX through bankruptcy lawyers, judge and treasurer I had XXXX and owed $ XXXX. $ XXXX was paid through out the bankruptcy from XXXX to XX/XX/XXXX. And payments resumed by me since which is XXXX more years of payments that I made. ( $ XXXX )? $ XXXX owed? The last owner of the mortgage was XXXX XXXX when in the bankruptcy and the servicer was XXXX XXXX XXXX. I had many many problems with them! They sold it to XXXX XXXX soon after the bankruptcy. Its saying that I owe around $ XXXX on the loan? Looking at the maturity date it says XXXX which is 12 years. I dont know what to do? I cant afford a lawyer. I just want things all corrected and make payments on our home and not be bamboozled. Please help? Ill send any information that you need. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. THE ACCOUNTS THAT WERE OPENED ARE : XXXX XXXXXXXX XXXX XXXX XXXX. XXXX OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX OPENED : XX/XX/XXXX CAPITAL XXXX # XXXX XXXX. XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OPENED : 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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/year> {$3500.00} XX/XX/year> {$750.00} I reported to my bank that my card was missing/stolen and that I did not make these transactions. The bank suggested I go to the car rental place and see if they could identify me and they said the person that brought the keys back to them threw the keys on the counter and ran out. They stated that the cameras they have do not go back more than a couple of weeks. I just found out last week about the charges on my card and I went and made the report to my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting inquires I have reached out on several occasions to get this matter resolved. They have refused to take this off of my credit report. This is inaccurate and aggravated identity theft and is stopping me from reaching a good quality of life and is adding terrible situations to my life. It is horrible, please help me. These reports are inaccurate and causing personal injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
XXXX is reporting inquires I have reached out on several occasions to get this matter resolved. They have refused to take this off of my credit report. This is inaccurate and aggravated identity theft and is stopping me from reaching a good quality of life and is adding terrible situations to my life. It is horrible, please help me. These reports are inaccurate and causing personal injury.

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 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
According to the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it can be presumed that if there is no proof of the alleged debt, then no such debt exists. 

this account needs to be removed and deleted from my consumer report LVNV FUNDING LLC Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: MN

Complaint narrative:
I received a notification from a debt collector. the creditor name is XXXX XXXX. I TRIED to start a newspaper subscription. They NEVER delivered ANY of the newspapers. I believe the carrier is XXXX and said he was making deliveries but he NEVER gave me any of the papers. XXXX XXXX is trying to collect a dept for a service and product they NEVER gave me. I am not paying XXXX for something i never received. i would like to sue them for fraud and for discrimination. 

BIEHL & Biehl , INC. 
XXXX Creditor Name XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to you in response to this debt collector. 

I am disputing the debt because the product/ service was never sent or provided to me. 

I contacted XXXX XXXX MULTIPLE TIMES via their portal. The paper was NEVER delivered. They did not deliver ANY papers. I am not paying XXXX for a paper or product I never received. They did not deliver any papers, rather attempted to charge me. The service was never started as no papers were ever delivered. I contacted XXXX XXXX that I believe the person that was supposed to deliver my paper is a XXXX  XXXX and was attempting to charge me but never delivered any of the papers he was supposed to deliver, when the order was set up. Send me any proof that the paper was ever delivered to my address. XXXX XXXX should be sued, and the paperboy should be fired. I never received this product ( newspaper ) or service delivery of the paper. 

If the XXXX XXXX doesnt drop this debt I am going to sue them for negligence. I will be charging XXXX an hour for my time and my stress to deal with this FRAUD collection, stress this has caused me and my family and knowing that a homophobic and prejudiced staff member of the XXXX XXXX knows my address. 

Time spent on this fraud charge : XXXX hours ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: NC

Complaint narrative:
XX/XX/year> is the last request made for this account to verify the amount that they are attempting to collect. This has been disputed with the credit bureaus as well as the XXXX XXXX collection company. 

The credit limit is {$300.00} the balance shows {$220.00} however the XXXX are sending a request for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company failed to provide accurate report information & has violated the laws

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company failed to provide accurate report information & has violated the laws

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 2024-06-15 00:00:00
Product: Credit reporting 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 recently reviewed my credit report and noticed that there are errors that need to be corrected. The incorrect information is as follows : XXXX. Account Number : XXXX XXXXXXXX XXXX - XXXX Creditor Name : XXXX XXXX XXXX XXXX Incorrect Information : The account was reported as delinquent for the month of XXXX and XXXX however the account is current as of the date reported. 

XXXX. Account Number : XXXX XXXX XXXX  - XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect Information : The reported balance is incorrect. My correct balance as of the date reported is {$8000.00} however its being reported at {$9400.00} which is incorrect

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 2024-06-15 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: CA

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

XXXX XXXX XXXX XXXXXXXX {$1100.00} 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 XXXX 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