vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Received mail on XX/XX/21 from NCB Management Services Incorporated attempting to collect a debt. The initial communication does not meet the FDCPA requirements for this communication. It does not include the itemized amount of the debt reflecting interest, fees, payments, and credits since the itemization date, and the itemization date. Further, the letter does not meet the requirements of 15 U.S.C. 1692g ( a ) where the collector must include a tear-off dispute form with pre-written prompts for disputing the debt in the validation notice. 

I do not believe I owe this debt, but I will handle that matter outside of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

NELNET whom is the student loan servicer had disclosed the account balances as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
I was illegally billed for medical services provided according to California bill ( AB 72 ). I notified the original creditor of their error and was assured it would be corrected. Instead they sent it to collections. Contacted both parties. Original creditor keeps claiming Im correct and dont owe the money but cant figure out why they havent pulled it back from collection agency. Collection agency asked for a letter from insurance stating I dont owe the money. I provided the letter more than 30 days ago. Ive called multiple times sense then, every time I call both parties Im told Im right I dont owe the money but they continue to blame the other party for why its not being removed from my credit report. Knowing I dont owe they continue to close any dispute I open verifying the debt and increasing the balance owed every month. At this point I feel they are doing this intentionally. They admit I dont owe the money and was billed incorrectly, but refuse to put supervisors or anyone who can actually fix the problem on the phone and refuse to remove from credit file.

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 2021-12-11 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I, XXXX XXXX, am the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). As a consumer, I will hold the CFPB to this standard. 

I sent a billing error notice to Synchrony Bank/PayPal Credit on XX/XX/2021. I requested the organization to provide documentary evidence pursuant to 12 CFR Section 1026.13 ( a ) ( 6 ) under Regulation Z for the public and private sector. The company failed to show documentary evidence and they credited my account for that month. They also sent me a letter on XX/XX/2021 admitting that there was fraud on my account and changed my account number in the process. 

At the end of the cycle, they closed my account, but we were able to come to an agreement to restore my services based on the billing error status, open end credit status, and the fact that closing the account was an act of discrimination under the Equal Credit Opportunity Act. 

Although my account was restored, I have yet to see my account receive a credit for XXXX. The organization never showed me documentary evidence to prove the fraud and I suppose to receive a credit each month until they provide me with such evidence to whom or what funded the account. 

I am aware that the company sends me a remittance transfer each month with a XXXX scan on the coupon for me to use as credit. Thats a part of the fraud and the companys failure to honor it is a violation to 15 U.S. Code Section 1693h ( a ). I am will most definitely remain in honor and send it each month to satisfy the account if necessary.

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 2021-12-11 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have disputed the illegal reporting of credit acceptance corp to XXXX and XXXX will not remove this account, credit acceptance corp has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!

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 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third Bank put a deferment on my mortgage I have never made a late payment I have always put {$100.00} extra toward the principal they have put this on all three of my credit reports. I'm at my wit 's end trying to get this solved you can not get a hold of anybody at fifth Third they just keep transferring you and giving you information that is incorrect. This is not fair to me and I don't know who else to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect items are currently reporting on my credit. The credit bureau has taken more than the allowed 30 days to complete the dispute.

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 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Over a month ago, I exited the COVID-19 forbearance into a COVID-19 Payment deferral arrangement. I then asked to have the repayment of the escrow shortage from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.

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 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( XXXX XXXX ) directly or indirectly by the issuer of a credit card. 

XXXX whom is the XXXX XXXX XXXX had disclosed the account balances as well.

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 2021-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Information pertaining to student loan accounts ending in XXXX are to be excluded from my consumer report. 

15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit ( student loans ) directly or indirectly by the issuer of a credit card. 

XXXX whom is the student loan servicer had disclosed the account balances as well.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
Security Credit Services XXXX XXXX XXXX XXXX MD XXXX On XX/XX/2021, Security Credit Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$370.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional breach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Carrington Mortgage Servicers charges me {$5.00} to make a payment using their online system. When they put it on my account statement they classify it as a late fee for {$5.00}. 

They continue to do this every single month. For my latest mortgage payment that was due on XXXX, I paid the mortgage on XX/XX/26 and they called the {$5.00} a late payment on my statement. What it actually was, was a payment processing fee that they are charging too much for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I opened an IRA with Eastern Bank several years ago. The fees were not disclosed when I opened the account. I recently attempted to rollover the account to XXXX. XXXX send out two letters requesting the transfer and sent me a copy of one which was dated XX/XX/21. When I called XXXX to see if the money had been transferred, they reported that it had not. I brought the letter from XXXX to Eastern Bank on XX/XX/21. The representative there said she had no knowledge of the transfer request.

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 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MN

Complaint narrative:
I received a letter from Commonwealth Financial System on XX/XX/2021 charging me the amount of {$760.00} and stating that the original creditor was XXXX XXXX XXXX XXXX and that current creditor is XXXX XXXX XXXX. I also saw the collection in my credit report from XXXX. I called the collection company because they are using my Social Security but addressed using my Mothers name. We are XXXX and have the same name and last name. When I called, they gave me my mothers date of birth, and I explained that was not me. They said they would call and report the mistake to the credit bureau. My mother also called and reported she had never been at that XXXX place nor have that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX Wells Fargo bank notified me of suspicious transactions on my account. I called the bank I told them it was not me making the transactions. I asked them to put a hold on my accounts. On XX/XX/XXXX someone impersonating me called Wells Fargo bank and gained access. They were able to change my contact information and also change online account access. They also made numerous high value purchases. They also gained access to all my accounts with the bank and they started transferring money between the accounts. I went to the bank and got them to freeze the account and was told by the banker none of my accounts were frozen. I placed a security code on the account and also asked the bank that if any changes that need to be done a persons needs to come to the branch to do it. The person called again and was able to change all the account information and also reported that I was not the owner even though I went into the bank. I went to the bank again to fix all the account information. I was notified that the person fixed an appointment with the bank to come in person to make changes to the account. I asked the bank if they could do anything to prevent this fraud from repeating so many times and they said they can not call the police on the person. We called the local authorities and seems like no one can do anything. For the past week the person with impunity is going to stores in my neighborhood and online making transactions but no one seems to care on arresting them. It is sad that the bank can not fix this fraud and does not care hence the person has the ability to continue doing the fraud for the past week.

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 2021-12-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house

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