vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My loan was sold to Firstmark services. First of all, when I first got with this new company, I was told I had 90 days before being reported to a crediting agency. A little long, but I always made sure I kept it in that window since Im trying to start my life off. At the start of this process, I hit some snags because the XXXX XXXX was supposed to be paying this loan per my enlistment contract as a part of my bonus. When I found out that the XXXX was not fulfilling their end, I started paying. After starting to pay, I continually told Firstmark that I am the primary so please get with me on all the information I need to know. Firstmark continually sends mail, emails, and calls to the Co-Signer, XXXX XXXX ( XXXX ) and only sends me the bill. Firstmark does call but I repeatedly told them that I am a Deputy Sheriff on Midnights and when they call I am asleep. The times I do get to answer, no one answers the phone. Ive even heard the person on the other end of the line having a conversation. They will then call the co-signer as if I didnt answer at all. For example on XX/XX/XXXX, I answered the phone and, with witnesses, stayed on the line for XXXX minuets with the both of us trying to get someone on the other line to talk. Then, XXXX minutes later Firstmark called the co-signer and left a message. Something Firstmark has never done for me. Now, the co-signer is threatening to sue me due the him being adversely affected by the situation and me not being able to take care of the situation. All due to the fact that after multiple complaints Firstmark refuses to elevate the issue. Ive reported to management multiple times and when I ask to speak to management, like today XX/XX/XXXX, I get hung up on. I feel as if Firstmark is operating as such on purpose given the fact the co-signer has stated that he will not pay any part of the loan to both myself and Firstmark. As I do not have the best history of payment, I do have a history even paying more than what the monthly payment is at times in order to try and catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
On XX/XX/XXXX, ERC, on behalf of XXXX XXXX XXXX and XXXX XXXX, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by XXXX XXXX or XXXX XXXX XXXX. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to ERC that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I had never lived at XXXX XXXX XXXX. ERC indicated that they would note that the address was incorrect and that the debt was not owed by me. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of XXXX XXXX XXXX and XXXX Bank. This letter was not sent on ERC letterhead, but rather only identified XXXX XXXX Services and XXXX XXXX. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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:
I looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from XXXX in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by XXXX back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this 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
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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:
I looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from Equifax in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by Equifax back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I am disputing the of {$110.00} Alliance One is trying to collect because it does not belong to me. This debt has never belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX has charged me XXXX dollars for a cell phone I never had. I dont have an account with XXXX  nor any services from them. I disputed the mark on my credit report in trans union and they said it was a legimate charge.

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2023 I received from my credit union Navy Federal Credit Union request. for a piece of information on the loan title for account # XXXX. We have complied with all the document navy federal requested. NFCU is requesting that the title be sent to them from the company XXXX XXXX XXXX XXXX XXXX. 

We call XXXX XXXX also Texas human and health services and I was told that all information needs to be addressed with NFCU and XXXX XXXX. XXXX XXXX sent an email stating the title was sent to NFCU. 

Letter is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have attempted to make payments multiple times to Synchrony without success. Furthermore, I have been unable to contact a live person when calling multiple times, and each time I call I am disconnected after a long wait period. Additionally, I am unable to make an online payment until after my due date, at which point I am charged a late fee. This appears to be a persistent issue with Synchrony, as evidenced by the numerous complaints from customers online.

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 monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Td bank is saying that my balance due is {$390.00} as of XX/XX/2022. 
Which is false i have a bank statement that my XX/XX/2022 balance is {$310.00} which is inaccurate reporting. There for the fcra laws that XXXX has to remove it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC.

Complaint narrative:
So many times I've tried to access the money that is available in my account it was deposited just over XXXX years ago and the money has sat there and now they can't hold it anymore so they finally released it XX/XX/2022 and I still can't access it every time I go into the bank they told me that I can't have it it's sitting in my account and then I don't understand why I think it's personal judgment on who I am but that should not matter considering it's my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: MA

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. 168192 ( A ) ( l ) 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 According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: MA

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. 168192 ( A ) ( l ) 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 According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX XXXX XXXX is reporting this account that does not belong to me please remove from my credit report thank you.And i believe it may be a fraud / identity theft account please remove from all credit reports thank you kindly. 

Contact info XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC
State: TX

Complaint narrative:
I have made over 20 attempts to resolve this with XXXX XXXX, the CEO of United Funding Logistics, which is a credit repair company. This is the biggest scam of a company there is, there are numerous negative remarks already posted about this company that I did not see, they never return phone calls. They take your money and then you do not hear from them again, they do not follow through with any thing they say they are going to do. He kept claiming he was going to refund the money but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email ( see attachment XXXX ) as a formal response to my complaint filing to CFPB ( Case XXXX XXXXXXXX ), suggesting that Citi still refuses to cooperate to unblock my account and that the address in the correspondence does not match their record ( " Wrong Address '' ) despite the email showing my current address ( " Correct Address '', ( e.g., XXXX XXXX XXXX ... shown in attachment XXXX ) ). 

The only way to unblock my accounts is for me to provide a reference number in a letter sent by Citi 's Fraud Department multiple times, but the letter never arrived as it was sent to the Wrong Address. 

The account was opened on XX/XX/XXXX, and the address shown in the application documents is the Correct Address. Therefore, Citi has changed my contact information without my consent, purposely put a block on my account, and refused to provide alternatives to verify my identity and allow me to access 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. LexisNexis is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you Lexis Nexis, XXXX, XXXX and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.

Company response to consumer: Closed with explanation