vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: Nelnet, Inc.
State: OK

Complaint narrative:
See complaint XXXX My Federal Student loans were serviced by Nelnet. In XXXX of XXXX, I finished paying off my student loans. I received payment in full notice for each of my six outstanding student loans. In late XXXX my parents received a letter at their home stating that my loan was past due. As I had paid my loans in full, this was surprising. I called Nelnet and after 2 hours on the phone I was told they had made a mistake I would be placed on Administrative Forbearance. I received another past due statement a few weeks later. Checking my account, I found I had not been placed on administrative forbearance and interest was accruing on these loans I had already paid in full. Another 2 hour phone call and I was told they were just processing it and I didn't need to take any further action. It now XXXX of XXXX. There is still no forbearance on my account and the balance on loans I have paid in full is still there. Through email, I have requested written documentation of where this additional XXXX dollar balance came from. Both times I have received a canned response instructing me to call because " it is often difficult to discuss more complicated matters using email communication ''. I have paid these people. It is effecting my credit score. I was finally able to receive information over the phone that Nelnet made an error and over refunded my student loan as a part of their processes. However, I still have not received documentation in writing as to the specifics of where the additional funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I originally purchased the property with XXXX XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX in XXXX Texas. XXXX XXXX XXXX XXXX transferred the mortgage note to Servis One, doing.business.under the name .BSI Financial Services XXXX XXXX. The servicing transfer occurred on XX/XX/XXXX. The XXXX XXXX XXXX XXXX XXXX shows that BSI Financial Services was unlicensed and not allowed to operate or perform any business activities between XX/XX/XXXX and XX/XX/XXXX in the state of Texas. The XXXXXXXX XXXX XXXX XXXX provides a history of the licenses and it states '' Not Authorized to Conduct Business between the dates XX/XX/XXXX and XX/XX/XXXX. In response to my request for validation of the claim, BSI sent a letter advising that the loan was transferred for servicing to them on XX/XX/XXXX. This date is within the time that BSI was unlicensed. I shared this information with their attorney and no one is acknowledging this issue. 

BSI has a history of fraud against consumers and had been sanctioned by CFPB on XX/XX/XXXX under Docket Number XXXX. A Consent Order was created under XXXX. A review of the attachments clearly shows that BSI FINANCIAL SERVICES was unlicensed to operate in Texas for approximately 292 days. This needs to be investigated as I believe there may be other consumers impacted by their schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is the third of a related complaint. Background : I had an affordable apartment approval revoked due to inaccuracies on XXXX 's credit report. 

One of those errors was XXXX credit card. I made my final settlement payment on XXXX and was told in 30 days it would reflect as " settled paid in full ''. 30 days later, it did not, so I called. A supervisor said they would escalate. Around XX/XX/XXXX, the affordable unit I had been approved for was denied, citing the credit cards as the only reason. I called XXXX again and was told it would take another 30 days and the issue was escalated to upper management. 

Sometime in XXXX, upper management denied the dispute, saying that it was reported as a XXXX balance " paid in full '' and they had no control over the credit bureaus reporting it correctly or not. They also issued a dispute with the credit bureaus, without my authorization. Please note, that some apartments will not approve a lease when you have an open dispute. I did not authorize XXXX to initiate a dispute with the credit bureau. 

I just called again today and the supervisor acknowledged the error and that upper management should not have denied the dispute. He opened a new dispute with another level above upper management and said it would get resolved in 1-3 days. However, the damage is already done and they are not offering compensation for any of this. 

No one has ever disputed that the balance is XXXX as a paid-in-full settlement. 

Also, I checked the credit reports today and saw the " disputed '' code on the XXXX card. After my call with upper management today, I noticed the " disputed '' code had been removed, just an FYI.

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 2024-05-29 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-05-29 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: MO

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 informationisinaccurate.

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 2024-05-29 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a birthday gift Vanilla Gift VISA Card. I attempted to use the card and discovered at the check out counter that the card had been compromised, used and, then, as I learned from the retail clerk, the card was then fraudulently returned to the store where my friends purchased it for me. The vanilla gift card was ALREADY USED, so it had NO VALUE. I contacted Vanilla Gift and have been getting NOTHING BUT THE XXXX RUN AROUND FOR NEARLY 1 YEAR. 
I followed ALL the steps the vanilla gift representative gave me and after enumerable attempts to contact them for replacement and reinstatement, the card is still valueless. Vanilla Gift is a SCAM and they intentionally attempt to XXXX people around until they just give up and stop attempting to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an invoice from a customer in XXXX ma, filed dispute with capital one and they refused my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Lvnv/ resurgent have been doing bad practices Ive disputed and shown evidence of this company taking advantage of my right. Now its been over 30 days without a response to my XXXX dispute please delete Ive contacted them and theyve been extremely rude. Putting me on hold and the manager would not let me get a word out about this issue this has been the worse experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ive been having this issue with navy federal. When I first got with them I had a fraudulent charge in XXXX XXXX with an rv attractions. I disputed it and they blocked my card for a whole year! 
Meanwhile the dispute was accurate and the company refunded me. So clearly that dispute wasnt frivolous so why did they deny that claim? 

Now fast forward here are the problems again. I stated time over and over Im a victim of identity theft! My ex hack into my XXXX XXXX  steal my credit cards and make copies he even did it with my XXXX  card by skimming it. I reported it to the California victim of crime which I been having an active case with them since XX/XX/2023. I have a police report listing him as a possible suspect. All I know is I myself didnt do those. 

I have a dispute that just came back no error occurred, after I kept stating the manager said she is refunding me. 

Here it is today now that company finally did refund me and like I told navy federal I didnt do that so just imainge if the company didnt refund me knowing its fraud! Navy federal is targeting me! I am not allowed in any bank due to a lie the lady stated at navy federal. Same lady that is married to my childs father! She was very envious and lied! But again they didnt care which I dont mind not coming in. But not allowing me to dispute any item is not okay like why would yall take that feature from me when clearly Im getting refunded! 

I had an appeal going since XXXX and they all of the sudden say its no change due to discrepancies and Im asking what discrepancies when I have a police report and a statement from that company stating they never serviced my vehicle there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
they responded with a choose payment option stating they own the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: LA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to 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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In willful violation of federal law and in non compliance of FCRA 605B Transunion is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Transunion with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Transunion has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Transunion SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.

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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
Please Note that : THIS IS NOT A COMPLAINT AT ALL. I used CFPB as I promised to be transparent with your company to send you NEW documentation from the FTC with Police Report for your reference to keep under my FILE from BHG. You can close this so-called complaint right away after gathering the attachments. Thank you for your understanding and consideration AS ALWAYS. BHG is the ONE & ONLY GREATEST COMPANY THAT I HAVE ENCOUNTERED SO FAR! KEEP UP THE GOOD WORK AND PROFESSIONALISM!

Company response to consumer: Closed with explanation