vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Credit Cards Re : XXXX XXXX last four of XXXX XXXX The statement is also attached to locate the account number Please note I do give my wife XXXX XXXX to also speak upon my behalf she is also an authorized user on my account if I am unable to be reached please contact my wife at XXXX Or email with a response To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and as well as over paying sometimes more than the minimum due According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments and the Fee and was told this would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment and fee date below ( which I would like removed ) : I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. FCRA Law 15usc1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.

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 2024-02-23 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: IL

Complaint narrative:
Portfolio Recovery Associates, is not the original creditor. The dates reflecting when the line of credit was opened is false/inaccurate. I did not open any lines of credit on the dates or years they have listed. Please provide proof from the original creditor on the dates the line of credit was opened. The dates listed are illegally obtained and altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I have not yet paid for the service but I am trying to get. A free background check for live ops for employment and I am also on government assistance food stamps please help me out I need this job and have no money to pay for the background check thank you

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 2024-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I closed on a loan in XX/XX/XXXX. Insurance was paid for 1 year. Escrow was collect the next year but PennyMac didnt pay the insurance premium. Without any notification in XXXX or XXXX I received a substandard policy drafting twice from my escrow account totaling almost {$8000.00}. A policy on my home should be {$1100.00}. When I went to get a standard policy this year I was rated or paid an additional {$600.00}. Now PennyMac want to charge me {$600.00} a month for a year to replenish my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions LLC
State: GA

Complaint narrative:
I was contacted by RSI on XX/XX/year> by phone several times my mother was even called. I didnt know who the number calling me was at first until my mother sent me a voicemail with some stating to call them back it was important. The number was a XXXX number and I thought it was from my doctors office.it was not I spoke with XXXX she stated the companys name she proceeded to tell me I had a debt from XXXX XXXX XXXX for XXXX. I automatically told her I didnt owe the debt it was false and my insurance company has a legal open grievance case with the Dr office regarding them not sending in my medical documentation. The Dr office didnt do what was requested and now the dr office is trying to send me a bill for the full amount under GA law they are not obligated to do so. I dont owe this debt the Dr office refused to do what was requested and made their own bill without following the insurance companys contract that was signed. XXXX then proceeded to tell me I can pay on the debt I told her I didnt owe anything and asked why am I getting called. I havent received any notification via mail to dispute this debt at all. She then said XXXX XXXX XXXX told her that there was a 3 way call between me the Dr office and my insurance and my insurance company told me Im liable for the bill. I stated that is false information my insurance company never stated that and thats why there is a legal grievance case out. XXXX stated oh so you did have a phone call I said yes but what your stating didnt happen and I have confirmation of the phone call. She stated since you had the phone call you are admitting to debt I stated that I didnt admit to debt and she cant put words in my mouth because I never stated I owed the debt and I have proof that I dont owe anything. XXXX then stated that the debt was mine and I need to pay now. I stated again I dont owe any debt, XXXX XXXX hung the phone up in my face. I didnt receive any written notification regarding this debt or any written instructions on how to dispute. Only thing I received was phone calls demanding pay and stating I owe a debt and that the debt is mine to pay. No one listened to my side of the story or sent me anything on how to dispute this debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help 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 2024-02-23 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: MD

Complaint narrative:
I received an email from the Department of Education in XX/XX/XXXX stating my student loans would be fully discharged. 

However, NelNet still has not closed the accounts and there are more loans from Great Lakes Borrower Services that was transferred over to them as well. This was done after I received an email from Great Lakes on XX/XX/XXXX saying my students from their company would be discharged as well. 

I spoke with Federal Student Aid on XX/XX/XXXX at XXXX. I was informed that all of my student loan servicing companies had been made aware of the class action lawsuit associated with my loans and they would discharge all loans and refund any payments made. 

However, no one has refunded anything as XX/XX/XXXX when I received a {$730.00} check from the Department of Education. XXXX refused to refund any payments I made to them even though the above email from the Department of Education stated they would. 

I also saw that a payment for {$9100.00} was applied to my NelNet student loan account on XX/XX/XXXX. I didnt make this payment and it should be refunded to me because this account is supposed to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have paid off the debt to Affirm but it still reflecting on my credit as if it wasnt paid in full. On my credit report it still show as not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
These records were not started by me, and I firmly accept they are deceitful. I benevolently ask that you lead an exhaustive examination and eliminate them from my credit report in like manner. I have given documentation to help my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
PSLF form was submitted in XXXX of XXXX I called the loan servicer, Mohela, to follow up on why I was denied forgiveness. Representative told me there is no document on file, nor am I in the system for loan forgiveness. She instructed me to manually upload my application.

PSLF maually uploaded XX/XX/XXXX. Current status states, " duplicate form. '' I emailed XX/XX/XXXX, twice in XXXX, and called to gain more information on my status and an understanding of why I am being denied, despite meeting the criteria. 

Mohela is very difficult to get in contact with and representatives are ill informed on the forgiveness process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: MD

Complaint narrative:
These requests are not approved by me and are irrelevant to my monetary exercises. I demand their prompt expulsion 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 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The credit card was created by a thief as the results of the XXXX data breach. Apple would not hear of it and took all but a day to conclude their investigation in my disfavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Contacting credit bureaus with outdated information.The account is too old to be on file at least 10 years old!!. Jefferson Capital just wants me to contact them so they can try and collect on a ten year debit that all three credit bureaus removed last year from my file last year only for Jefferson Capital to try this stunt after the new year. No record of no payment EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I inquired about an account with the name of XXXX XXXX XXXX on my credit report. The account number is : XXXX. I am a victim of identity theft AND this account is also showing illegal reaging which is also a violation of my consumer rights.

I requested to the company AND the bureaus : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information. I have issued a formal complaint to the FTC as well as the XXXX regarding this matter. My report shows numerous inaccuracies with the DATE THE ACCOUNT WAS OPENED, THE DATE LAST REPORTED, and THE DATE OF LAST PAYMENT.

Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

THIS IS ILLEGAL REAGING! Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ).

This account is currently involved in a litigation due to identity theft and further complaints are being issued through my attorney. 

This item needs to be DELETED and my report needs to be corrected IMMEDIATELY.

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 2024-02-23 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:
I inquired about an account with the name of XXXX XXXX XXXX on my credit report. The account number is : XXXX. I am a victim of identity theft AND this account is also showing illegal reaging which is also a violation of my consumer rights.

I requested to the company AND the bureaus : Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. My rights dictate my ability to obtain this information. I have issued a formal complaint to the FTC as well as the XXXX regarding this matter. My report shows numerous inaccuracies with the DATE THE ACCOUNT WAS OPENED, THE DATE LAST REPORTED, and THE DATE OF LAST PAYMENT.

Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

THIS IS ILLEGAL REAGING! Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ).

This account is currently involved in a litigation due to identity theft and further complaints are being issued through my attorney. 

This item needs to be DELETED and my report needs to be corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: MO

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I am absolutely outraged that this issue has not been resolved. On the XXXX of XXXX, 2024, I filed a formal complaint with the reporting agency for being in violation of my consumer and privacy rights and for inaccurately furnishing information on my consumer credit report. I requested that the below mentioned accounts be deleted due to being inaccurately reported. 

Experian persists in reporting the below mentioned accounts on my credit report without providing any meaningful evidence of their accuracy or validity. Additionally, they have neglected to specify their reinvestigation process, leaving me in the dark about how they purportedly verified these disputed accounts. Furthermore, they have failed to uphold consumer privacy rights by maintaining inaccurate and unverified information on my credit report. 

Experian 's actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 1681e and 1681s-2. These sections mandate that consumer reporting agencies like Experian must maintain accurate and up-to-date information on consumer credit reports, and they must conduct a reasonable reinvestigation of disputed information upon request.

According to the FCRA, an investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that the accounts were verified and updated. But, how is that possible if they never performed a proper investigation according to the law. Also, every piece of information on these accounts are still not being reported 100 % accurate. According to FCRA 15 USC 1681, everything must be 100 % accurate.

They have also violated my rights under : 15 U.S.C. 1681 section 602 A. Which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

This has caused me hardship and has affected my way of living. 

The following accounts are not reporting accurately : Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX account number : # XXXX Account Name XXXX XXXX XXXX account number : # 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 2024-02-23 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: NY

Complaint narrative:
These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital Systems is reporting outdated debts as current, manipulating dates to suggest newness. This practice is illegal under FCRA amendments, prohibiting the refresh of old debt timelines. Immediate correction and compliance are demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
I was contacted by messerli and kramer in XXXX ( around the XXXX or somewhere around there ) about a debt i have, they served me papers. I called and emailed ( found out the emailed listed didnt work ) left voicemails to get it resolved and no response this was end of XXXX on the XXXX. Last week they sent me a letter saying they will be garnishing my paychecks and i have a week to respond. I called on sunday the XXXX, left a voicemail. Monday the XXXX left a voicemail, and still no response. I have been trying to get these resolved and they are refusing to contact me.

Company response to consumer: Closed with explanation