vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: SD

Complaint narrative:
On my report I saw an account of over {$700.00} dollars and I did not authorize! It doesnt even have my name on it anywhere! The address on it isnt even mine?!! Still all XXXX does is update it! I want it removed, it is not my account but XXXX wont listen! It has financially XXXX me from going to college because of higher interest rates! My score was above XXXX when they added this account and whoever owns it didnt pay so now I have no payments! Wrong!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank account Last month and this month {$300.00} in Overdraft charges... Senior citizen on XXXX only

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
We financed a mortgage through a local lender, who immediately sold the loan to United Bank. United Bank seems to be a small-time/town very poorly run institution. We've had several issues in trying to use the website, where their instructions don't match what options are available there. The bank 's customer service team, while they do pick up the phone when you call, are hopelessly uninformed. We recently conducted a recast. You'd think it was XXXX XXXX by how we had to do it. We actually had to go into a branch to write a paper check and hand it in, which one staffer just set on a desk while the main POC was at lunch. They didn't inform me that we had to manually online update the auto payment. 

Just overall, this bank needs to update their website to the XXXXXXXX XXXX, much less XXXX  and beyond. Their staff needs to be trained on how the website works, what a mortgage recast is, check safety, etc. We never had these problems with real banks like XXXX XXXX XXXX XXXX XXXX XXXX, etc. These real banks know how to use modern technology, train staff, and just operate professionally.

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 2023-11-28 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: LA

Complaint narrative:
CREDIT REPORTING AGENCIES- EXPERIAN XXXX AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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 2023-11-28 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: CA

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my 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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CO

Complaint narrative:
In XXXX of XXXX I became my mother 's legal guardian and conservator, as ordered by the state of Colorado. Shortly there after I moved cities within Colorado. I never received a bill for this instance of my mother 's outstanding credit card debt. Then, in early XX/XX/XXXX, I was served with a court summons on by the law firm / debt collector agency XXXX XXXX XXXX, XXXX. I am not disputing the debt owed, but would simply like to resolve this outside of court. Here is the timeline of my attempts to contact them to seek resolution : XX/XX/XXXX -- Called at XXXX XXXX and left a voicemail. The court summons did not include a reference number, which their outgoing message asked me to provide, so I could not provide it. My call was not returned. 

XX/XX/XXXX -- Called again and was connect to XXXX XXXX, extension XXXX. She confirmed that we could resolve the matter, but that I simply needed to send them copies of the guardianship and conservatorship orders from the state of Colorado, and then call back a few days later. I emailed them to the email address provided : XXXX. I did not receive confirmation of receipt. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called an left voicemail on XXXX XXXX 's extension. 

The court date is XX/XX/XXXX. 

I learned of this debt that my mother owes in XXXX and immediately attempted to resolve it, but they are forcing me to go to court.

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 2023-11-28 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: CA

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NC

Complaint narrative:
XXXX XXXX Bank- ( XXXX ) : identity theft Discover Bank- ( XXXX ) : Identity Theft XXXX Federal Credit Union- XXXX XX/XX/XXXX XXXX XXXX theft Regions Bank- ( XXXX ) XXXX XX/XX/XXXX : Identity Theft Regions Bank- ( XXXX ) ( XX/XX/XXXX ) : Identity Theft XXXX SAVINGS Bank- ( XXXX ) : XXXX Thef INQUIRIES : Capital XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Coastal Frederal Cred, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: MI

Complaint narrative:
I am writing to file a formal complaint against Equifax, XXXX, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, Equifax, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with Equifax, XXXX, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that Equifax, XXXX, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by Equifax, XXXX, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that Equifax, XXXX, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax, XXXX, and XXXX in accordance with the USC.

I have attached a copy of the Final letter that was sent to Equifax, XXXX, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
How is it fair business practice for a business to prolong an application process for their own financial gain and the consumer has no recourse? For the past four years I have been in the loan modification process with PHH Mortgage only to be forced into foreclosure or bankruptcy. During the past four years I have submitted every document requested ( approx 120-140 documents ) by PHH Mortgage during the loan modification process, all while being reassured by representatives that as long as the documents requested were submitted the loan would be reinstated. Only to be denied twice for reasons already known at the start of the loan modification process. Also, told by a representative that " We are not in the business of providing loan modifications '', but then told to resubmit a loan modification application for review. During this process I have incurred an additional {$25000.00} in fees/interest. I would understand if I did not submit the documents requested or cooperated with this process but I provided all documents requested in a timely manner. PHH Mortgage 's actions during this process was only for their financial gain with no intent of approving the loan modification. As a result of PHH mortgage prolonging this loan modification process, I can not secure a loan from any lender in order to satisfy the original loan that PHH Mortgage holds the note for. Which I believe was PHH Mortgage 's intentions in order to force me into foreclosure. Not only was i told by a representative that " We are not in the business of providing loan modifications '', the same representative also stated " He has enough equity in his hose why should we negotiate with him ''. How is that fair to me as the consumer who is trying everything possible to rectify this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/2023 Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: KS

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 2023-11-28 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: KS

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
i was a victim of identity theft due to an equifax data breach. i called to have this fradulente account and inquiries removed but they did not remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
i was a victim of identity theft due to an XXXX data breach. i called to have this fradulente account and inquiries removed but they did not remove them

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Yes I reached out the Navy Federal Loan Department multiple times to let them know that they were in violation of the law and they had violated my rights and my constitutional right to the pursuit of happiness I gave them the link to your website to read the law and still told me that they did nothing wrong this has created great harm and shame me in front of my family and friends

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Three student loans originally serviced by Nelnet Loan Services Inc. were transferred to Dept. of Education/Nelnet ( or XXXX/Nelnet ) XXXX but now XXXXwo versions of each loan appear on both my XXXX and my XXXX credit reports -- one version correctly categorizes each loan as " OK '' or " Pays As Agreed ; '' it also reflects the federally mandated student loan deferment which began in XXXX and, for me, ends XX/XX/XXXX. These correct items are, per my credit reports, services by either Dept. of Education/Nelnet or XXXX/Nelnet. 

The other version of each loan is listed as 120+ days overdue, does not reflect the federal deference, and includes several quirky errors ( i.e., dating the last payment as 1901, citing overdue payments yet also having " No information '' for that payment period ). This is the incorrect version. Nelnet Loan Services Inc. is listed as the servicer of these loans. 

Note that my XXXX credit report seems to be accurate. 

I disputed the incorrect versions with XXXX and XXXX earlier today ( XX/XX/XXXX ) after attempting to contact Nelnet directly to no avail ( all my calls were dropped during a long wait time ). 

Below please find relevant loan details : Incorrect Item # 1 : Nelnet Loan Services Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 86 of XXXX Report ; Page 24 of XXXX Report Incorrect Item # 2 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 88 of XXXX Report ; Page 19 of XXXX Report Incorrect Item # 3 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ) Account Ending in XXXX Opened XXXX XX/XX/XXXX Appears on Page 90 of XXXX Report ; Page 14 of XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OR

Complaint narrative:
I received notification from EdFinancial ( a student loan servicing company based in TN ) in XX/XX/XXXX, that the balance of my consolidation student loan was forgiven because I had made payments on it for 25 years, from XXXX through XXXX. Between XXXX and XXXX, I had made excess payments of {$9500.00} on the student loan. I understand that I am to receive a refund of the overpayment of {$9500.00}, and I have inquired since XX/XX/XXXX several times, as to when the refund will be sent to me. No response has been received.

Company response to consumer: Closed with explanation