vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All XXXX credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
Ive requested a debt validation letter and they have ignored me. I requested in writing not to be contacted about this debt and theyve ignored me. They are calling multiple times in one day and often back to back. They refuse to validate debt and stop collecting efforts. DESIGNED RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, Goldman charged us {$140.00} of interest, claiming it was due to {$210.00} payment shortfall on a XX/XX/XXXX statement balance of {$12000.00}. The banks mobile app and statement show payments and credits of {$12000.00}. On XX/XX/XXXX, customer service representatives from informed that the charge would be reversed. Subsequently, the bank not only did not reverse the interest charge, but further charged {$190.00} interest for prior cycle unpaid balance, despite additional payments made during XXXX. When we contacted customer service again, we were told that the balances shown on the mobile application could not be relied upon and may not reconcile to monthly statements. Customer service yelled at us and hung up when we asked why not and requested the previously promised interest refund.

After stating that the balance would be reversed, the company reneged, told us that the mobile application could not be relied on, and subsequently hung up on us. We were also charged again on an inexplicable 'still outstanding ' balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
They have called me at least XXXX times in the past 6 days. I have not received a statement for at least 3 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC
State: MD

Complaint narrative:
IN XXXX MY IDENTITY WAS STOLEN. A FAMILY MEMBER CAME INTO OUR HOME IM NOT SURE ABOUT WHICH ONE WHO DID IT. MY SOCIAL SECURITY CARD ALONG WITH MY BIRTH CERTIFICATE AND ID WAS STOLEN, ALONG WITH MY DAUGHTERS. I REPORTED THE STOLEN BIRTH CERTIFICATES AND SOCIAL SECURITY CARDS TO THE IRS AS SOON AS I NOTICED THEY WERE MISSING I HAVE PROOF I HAVE A COPY OF THE REPORT. I HAVE BEEN TRYING TO CLOSE THIS REPORT WITH XXXX AND THEY ARE FIGHTING ME TO DO SO. I HAVE FILED A POLICE REPORT AS WELL. I NEED TO HAVE THIS REMOVED OFF OF MY CREDIT BECAUSE I HAVE NOT DONE THIS ACCOUNT. IF THIS DOES NOT GET REMOVED I WILL HAVE TO TAKE FURTHER LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This is likely my final complaint regarding this topic. Comentity / Zales is continuing to charge me late fees and interest, and falsely reporting me to the credit bureaus over a disputed account. They now have me at {$830.00}. 

Just to recap my previous complaints : ** Between XXXX of XXXX and around XXXX of XXXX, my bill has been getting mailed to the wrong address ( they had finally fixed the issue on their end, and waived **those** late fees ) ** Around XXXX, I've paid one of my bills via mailing my check ( which never arrived nor got cashed at their destination ) ( which I unfairly got charged more late fees, and both Comenity and Zales refused to budge on ) ** Between XXXX and XXXX of XXXX, my bill were consistently being mailed late, or barely arriving at my house right before the due date ** I made all my remaining payments over the phone, which took on average of 4 days to process from my call time to being drafted from my account ** After complaint to both Zales 's and Comenity 's customer service multiple times about their unfair late fees, they pointed to the late fees that they have already forgiven for the period between XXXX and XXXX, and reluctantly took an additional one off. 

** I have filed additional complaints with multiple state and federal agencies, as well as Zales 's and Comenity 's customer service, and they both refused to budge. 

** My principle balance was paid in XXXX by XXXX of XXXX. The only thing left was whatever bogus late fees that I was disputing ** When XXXX of XXXX rolled around, Comentity started harassing me with their collection people, accusing me of owing them over {$500.00}. ( I told them to stop calling me, and they only stopped after I filed an FTC complaint ) ** Comenity has ever since been pilling on additional late fees and interest, refusing to honor their deferred interest ( either out of retaliation for my complaints, a quick way to make a buck, or both ) ** Comenity and Zales are now ruining my credit, even after I have disputed my account they are still reporting me as late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Hi My original student loans went into repayment in XXXX. Two years ago, I inquired about loan forgiveness since my loans would be over XXXX XXXX XXXX. In XXXX of that year, AidVantange sent me a letter stating that, in all that time, I had only accrued 10 months of loan forgiveness.

I noticed that the disbursement dates on this letter seemed inaccurate. In that year the US Department of Education was adjusting borrower accounts that fit the following criteria : I was XXXX will conduct a one-time account adjustment to borrower accounts that will count time toward IDR forgiveness, including o any months in which you had time in a repayment status, regardless of the payments made, loan type, or repayment plan ; o XXXX or more months of consecutive forbearance or XXXX or more months of cumulative forbearance toward IDR and PSLF forgiveness ; o months spent in deferment ( with the exception of in-school deferment ) prior to XXXX ; and o any time in repayment prior to consolidation on consolidated loans. 
Any borrower with loans that have accumulated time in repayment of at least XXXX or XXXX years will see automatic forgiveness, even if you are not currently on an IDR plan. 
I was certain my loans fit this XXXX  since my original loans, totaling {$26000.00}, had an outstanding balance of {$58000.00} as of this letter, due mostly to years of interest capitalization while in forbearance. Yet, I never received consideration, even though my loans were over XXXX XXXX XXXX. 
I believe my account was overlooked because the dates of my loans were improperly recorded. AidVantage has recorded the disbursement date for these very old loans as XX/XX/XXXX. These loans were dispersed in XXXX and went into repayment in XXXX of XXXX. 
I went back to school in XXXX and am now attempting to finish my XXXX XXXX XXXX XXXX I had hoped this program would open up enough funds for me to finish, but I never expected to run into this issue. I have done all I can to resolve the situation. Neither the FSA nor AidVantage is doing anything to assist. I was hoping you all could help. 
I have attached a historical record of all my loans, provided by XXXX  ( the loan servicer I had prior to AidVantage ), the Letter I received from AidVantage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received an alert from XXXX and XXXX that Credence Resource Management had placed a collection on my credit report for the amount of {$350.00}. I immediately contacted the company to cease collection efforts as this collection account was fraudulent as my cellphones have always been under my business name and never my personal name. I sent a letter on XX/XX/year>. The company has failed to respond and is still reporting this fraudulent account. I have also disputed with XXXX and XXXX. Both are still reporting the account without properly verifying the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/year>- Present I achieved an over XXXX credit score that allowed me to get much needed dental care. I have several credit cards and an excellent score for payment history. Normally, I would be scored once or twice per month. 

After applying and receiving 2 loans for the dental work, the credit bureaus are scoring me and decreasing my credit score at least five different times so far this month. I haven't even had the dental work done yet, nor are any payments due until next month.

One of those times they decreased my credit score once on XX/XX/XXXX and then on XX/XX/XXXX. This can't be right. I don't have anything due at this time for them to score. They are prescoring me in advance because I applied for credit?? Excuse me but isn't this was having a decent credit score is used for?

I worked hard, years in fact to achieve this, I have an excellent payment history, now WITHIN MINUTES, the CREDIT SYSTEMS get to decide to decrease my score for using the ability to apply for the credit that I worked hard to build, makes no sense to me.

This is a misuse of authority and I want it stopped. They should not be monitoring and scoring me 4,5,6 times in one month. They don't do it to INCREASE MY SCORE WITH ALL THE EXTRA PAYMENTS I MAKE. IF THEY DID, I'D HAVE A XXXX SCORE BY NOW.

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 2024-06-23 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-06-23 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
To Whom It May Concern, My complaint is with XXXX XXXX XXXX Navient. I attended XXXX XXXX XXXX  from XXXX. I had XXXX XXXX XXXX XXXX XXXX loans that were originated by XXXX XXXX and then there was a merger where Navient took over the loans that XXXX XXXX had. I have tried to contact XXXX XXXX and they tell me to call Navient, and Navient acts like they have no records of me having Federal Loans with them. ( Please see the attachments provided that proves that my Federal Loans were transferred to Navient ) In XXXX my mother who was my co-signer on the loans, took a loan against her pension for {$50000.00} to pay off Navient because she was receiving threats of garnishment from Navient and she was afraid she was going to loose her high-level managerial position with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX She paid off the loans with her pension loan. 
My complaint is that Navient never applied that money to my loans, and then they transferred my loans to the Direct Loan Consolidation program, where the loans were paid off by the US Dept of Education. This is all coming to light now in XXXX because due to the Sweet vs. Cardona lawsuit my loans have been forgiven by the US Dept. of Education, and when I brought it to there attention they told me I should contact Navient. I have contacted Navient on more than several occasions, and they refuse to provide me with any payment details, and only will tell me that the loans were transferred to the Direct Loan Consolidation program in XXXX. Any help with this matter is greatly appreciated, as I feel that I have exhausted all of my options for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXXXXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.

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 2024-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2024-06-23 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: FL

Complaint narrative:
On XX/XX/year>, I submitted my updated income recertification paperwork and the application on studentloans.gov. 

A few weeks later, I reached out to Nelnet and spoke to a rep who confirmed my information was received and my new payment should be XXXX. My account should reflect that change a few days later and everything would continue as normal. 

For two months after, my status was changed to administrative forbearance even though I was already on the SAVE plan and simply recertifying my income. 

On XX/XX/year>, I've reached out to nelnet to inquire about why my loan status has changed to administrative forbearance after I submitted income recertification paperwork. The rep informed me that my application was mistakenly resubmitted as an APPLICATION to SAVE, which was incorrect procedure because I was already on the SAVE plan. The rep said she would submit paperwork to correct this mistake and that my interest accrued would be refunded. 

On XX/XX/year>, I followed up and the rep informed me that although my account was properly changed back to active status for the SAVE plan, the interest would NOT be waived. She said that my request was denied and resubmitted twice, only to be denied again. I filed a formal complaint with the rep at this time. 

In short, I am filing this complaint because nelnet has mistakenly put my application from SAVE to a reapplication to SAVE for a simple income recertification. This has resulted in 2+ months ' worth of interest accural, which Nelnet is refusing to waive or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I have been locked out of my account since mid XXXX. I tried to transfer my credit card rewards to my bank account but for some reason it looks like it added money to the credit card instead. This resulted in Gemini  freezing my account. Since XX/XX/year> I have tried to open two disputes to recover the account. They have asked me to verify who I am which I have sent them Information that they have needed and both disputes have told me they are working on it. I cant get in to pay my bill and my credit score is suffering. I want to pay the bill and close the credit card but Im stuck on how to do this. Gemini do not have a phone line only email and its been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received an alert from XXXX and Transunion that XXXX XXXX XXXX had placed a collection on my credit report for the amount of {$350.00}. I immediately contacted the company to cease collection efforts as this collection account was fraudulent as my cellphones have always been under my business name and never my personal name. I sent a letter on XX/XX/year>. The company has failed to respond and is still reporting this fraudulent account. I have also disputed with XXXX and TransUnion. Both are still reporting the account without properly verifying the account.

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