vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Review the documents attached and remove any personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Examine the attached documents. Eliminate this personal information that is not mine.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: WA

Complaint narrative:
The company ( MyLoan Care ) has been hacked for a week now. There has not been any sort of communication to any members about such issue and that our sensitive information has been compromised. We could have hold off our ACH payment to lessen the issue until they got the issue resolved. 

I have been approved for a repayment plan and will just need to sign and mail the agreement page. However, I tried to call twice this morning and I got on a call with a member to verify if there are any other documents I need to submit and what is the mailing address since the instructions mentioned envelop enclosed but there is nothing there. 

They also only took out my payment today when it should have been taken out XX/XX/XXXX. However, now that I found out that they have been hacked I am so worried that my bank information has been compromised and SSN. 

I have mentioned to the member service that my inquiry might be time sensitive and if there's going to be any grace preriod provided by them since this is not our fault. They don't have any answer except they don't have information right now. According to her, she will be escalating my call or inquiry to her supervisor. They don't know when the website will be available again. 

I want to make sure I will be mailing my documents to the right address and submitting all documents needed so I don't go to into foreclosure.

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 2023-11-29 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: EdFinancial Services
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for the SAVE Repayment Plan. Once I filled this out I was told that the only amount I would likely have to repay was a little over {$5000.00} I was also told that my student loan servicer EdFinancial would be reaching out to me regarding this matter. I did receive information on starting repayments on my student loans but none whatsoever regarding the SAVE Plan. I make less than XXXX a year but the payments were wanting me to pay over XXXX in total with XXXX XXXX monthly repayments. I tried to call and the person I talked to had no information whatsoever regarding my SAVE Plan. I have now received mail saying that I do not owe any money for the next 12 months on the SAVE plan but then have a bill for {$220.00} saying I still owe {$42000.00}. I have been doing some reading on EdFinancial and discovered that just last year they got in trouble for lying to students about their loans. I am likely only to get a student aid again if I call and they will likely only read to me what they have on their computer screen. Since this servicer is located in Tennessee, which is notoriously Republican, and would probably be against the SAVE program for both financial and political reasons I want this investigated. The current payment is more reasonable than the last one but I still think they are trying to commit fraud, and if they are doing it to me they are most likely doing it to other students as well. I am currently looking for better paying career and plan on pursuing certifications for those in the next year. If I had that already I would not have an issue with paying back my loans. Since I have not gotten back the return on the investment of time and money I sacrificed for my education I really dont think its fair for the government to get a return on it until I do, especially when my tax dollars are going to subsidize XXXX XXXX corporations who make record breaking profits but pay their average worker peanuts in comparison to the profits they make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
A rep from Bull City Financial called me almost 3 months ago and was supposed to send me the actual bills so I could look them over and either dispute the claim or set up a payment arrangement. She took a payment of {$110.00} over the phone from me and told me that once I get the bills call her back and she could file the dispute over the phone or the monthly payment amount of {$110.00} would be charged to my card each month on the XXXX of the month until the bill is paid in full but would not be reported to the credit bureau since I never was notified until she called. No monthly payments were charged to me, I never received any bills or itemized statements in the mail yet on my credit report a collection is showing from Bull City account XXXX for {$1800.00} which is the same amount the rep mentioned on the phone that day before taking my payment of {$110.00} I want this collection account removed from my credit report immediately and want the statement sent to me as promised so I can either dispute the amount or continue to pay on a payment arrangement like I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: KY

Complaint narrative:
TRANSUNION RE : Method Of Verification I am requesting the Method of Verification for the following disputed account ( s ) : Account Name : NE DEPT OF HEALTH Account Number : XXXX File Identification Number:XXXX  This letter shall serve as formal notice of my intent to file a complaint with FTC due to your blatant the and objectionable disregard of the Federal Law. Since you have not given me the names of person with their business addresses that you contacted for verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms as required by the Fair Credit Reporting Act ( FCRA ). This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). Please mail me the proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your company has never validated or verified these judgement lien entries on my credit report. I need the child support information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
Thank you. 
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 2023-11-29 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We have taken a home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a Hail Claim, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work and the mortgage provider is not releasing the amount to the contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to reach venmo customer service and asked them to fix the problem. They informed they will fix the problem and send the link to fix it. They never did it. I have around {$800.00} in venmo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am writing to bring to your attention the distressing situation I have encountered with my student loan servicer, Nelnet. I am reaching out in the hope that the CFPB can intervene and assist in resolving the issues I am facing. 

Over the past month and a half, I have made multiple attempts to contact Nelnet through emails and phone calls regarding my student loan. Unfortunately, my efforts have proven futile as I find myself on hold for over an hour each time without any resolution or response. This lack of communication has left me feeling frustrated and concerned about the status of my student loan account. 

Specifically, I have submitted a request to reduce my payment and transition to a new payment plan XXXX times within the last month and a half. According to Nelnet 's information, this application process should take XXXX days to complete. Regrettably, there has been no movement on my application, and I am left in the dark regarding the status of my request. This delay is causing significant stress as I am eager to address my financial obligations promptly. 

Compounding this issue is the fact that, due to Nelnet 's unwillingness or inability to process my request, my account is now marked as late. This adverse impact on my credit and financial standing further adds to the urgency of resolving this matter promptly. 

I understand that the workload for student loan servicers can be substantial, but the complete lack of responsiveness, the prolonged wait times on the phone, and the resultant late status on my account are unacceptable. As a responsible borrower, I am committed to fulfilling my financial obligations, and I believe that clear communication and timely processing of requests are essential components of a fair and functional system. 

I kindly request the CFPB 's assistance in investigating this matter and ensuring that Nelnet addresses the issues at hand promptly. Your intervention is crucial to alleviating the financial uncertainty and stress that this situation has caused me. I appreciate your attention to this matter and look forward to a resolution that ensures fair and efficient student loan servicing practices. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I sent a request Surplus / Deficiency Letter through first class mail and sent a 1099-C request letter on XX/XX/2023 and XX/XX/2023 to TD Auto Finance. I mailed the letters to the address they have provided the credit bureaus and on their website XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have yet to receive a response from them. They are reporting XXXX different balance to XXXX and XXXX which is not correct. This is truly detrimental to my credit and finances. I have been disputing with XXXX and XXXX to investigate inaccurate information on TD Auto Finance on my credit report yet they have failed to do so under my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information Was sold and bought illegally I was a victim of the XXXX data breach I want these items removed off of my credit report and delete it from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact A victim of this data breach and XXXX has done nothing Please help me delete these illegal accounts from 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 2023-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft. I have contacted the apartment complex, XXXX XXXX, and they are unable to do anything due to it being in collection and it is under new management. I have a police report. I have provided the report and my driver 's license to the agency as requested. The collection agency is located where I reside ; so I drove to the information that was requested and the collection agency is stating that it will not suffice due to information on the report being redacted. I called the detective and he stated that they are unable to supply an unredacted report due to privacy. I conferenced call the detective and the collection and the agency stated that a verbal authorization will not suffice and they are unable to speak with them. I have emailed them the report that was provided to me and my id and they will not assist. I have explained the problem and XXXX XXXX is not helping and will not accept the information that was provided. The company as a hold is not trained properly and training on fraud is highly recommended. 

Per Canton 's Record Clerk, " Unfortunately, no we can not release a copy of the report to you completely unredacted. The suspect was not charged in this case. Without a subpoena stating otherwise, both the suspect and witness information is redacted to protect their privacy. 

Thank you, XXXX '' I told the agency and they were adamant about not being able to do anything.

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 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
Ive tried calling UCB ( United Collections Bureau ) at phone number XXXX and XXXX to pay my debt and have not been able to get in contact with anyone. I need to pay this debt which is affecting my credit and cant manage to get a hold of anyone from the company to help me. I have left voicemails and called multiple times just to be on hold for over XXXX minutes and then be sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
This problem been persistent. XXXX failed to resolve my issue I even went to extent of filing a police report. 

Fraud mail is coming to my house. 
I am a senior citizen, and I am being taking advantage of.

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 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CT

Complaint narrative:
I have not been able to access loancare 's website for close to two weeks now. Their phone lines are also down. I'm unable to access my account or make a payment.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to Portfolio recovery. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX XXXX breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is PORTFOLIO RC XXXX. Please see your response where you admit to no proof of validation. Also see the XXXX data breach claim ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I opened the account on XX/XX/2023 I funded the account on XX/XX/2023 The debit card was activated on XX/XX/2023 The account was frozen and closed without my consent on XX/XX/2023 I can not access my funds and was told it could take XXXX days for a check to be issued

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 2023-11-29 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: GA

Complaint narrative:
am a victim of idenity theft, my information was exposed due to a data breach from equifax, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX BALANCE XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX, XXXX XXXX  XXXX BALANCE XXXX XXXX  BALANCE XXXX ACCOUNT NUMBER XXXX. please remove the following inquires XXXX XXXXl XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief