vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for borrowers who were deceived by XXXX job placement claims. By court order we suppose to get automatic student loan forgiveness how meet the criteria, it's been more than +4years of suffering waiting for the action by the department of education . I submitted an application for loan forgiveness based on my eligibility for the program, but I have not received a discharge despite waiting for over four years. the lack of loan discharge has impacted my life, such as the financial burden of continuing to make payments on a loan you believe should have been discharged. Also, I been denied for mortgage, loan even a credit card of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : XXXX XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : State of Michigan I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Through this prestigious agency and that we citizens have so that this agency enforces federal, state and local laws, I am writing to you seeking your support, since I have tried by different means to find a solution to this situation. trying to get this debt collector, which has had a very questionable record in its collection procedures in its past, since this same AGENCY, ( CFPB ) has investigated it several times for its questionable operations, finding violations in its financial activities, it is questionable that an entity like NationStar Mortgage LLC, or Mr. Cooper knowing FEDERAL, STATE AND LOCAL laws would violate, violate these laws, since they can not assume ignorance of it. 
Since for more than once this same agency investigated and fined her for said violations. 
I hope that my case will be investigated for purposes of legitimacy of the proceedings of this entity known as NATIONSTAR MORTGAGE LLC, MR. COOPER. 
I remain at your disposal awaiting a legitimate response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
XXXX Case : XXXX XXXX have provided sufficient evidence about this dispute for " item not as described '' I have provided chat support screenshots showing how XXXX  was not accurate about the hotel search feature. The hotel I booked with XXXX  also agreed with this statement. 

However, Paypal has denied my dispute. Again, I have provided sufficient evidence to show the item was not as described.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a dispute letter to transunion dated XX/XX/2023 it is now XX/XX/XXXX and I have yet to hear a response to from them. The FCRA clearly states that no more than 30 days it should take for a response, I would like for transunion to delete these disputed accounts which I will indicate below

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 2023-07-12 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: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America closed my account without notice and proper reason and frozen my cash back rewards. 
They also refused to redeem my rewards. 
1 account is XXXX. The other one is XXXX. 
XXXX is 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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Good morning. I received and alert from my credit service about a Collection flag in my credit report. It said it was from a XXXX XXXX XXXX account never paid. I only have XXXX XXXX account with XXXX XXXX XXXX. Also, I went to XXXX XXXX XXXX to ask if they are having any account in my name besides my XXXX XXXX, they said NO, no account in my name besides XXXX XXXX. 
The company Colletion name is : M.R.S ( www.MRSBPO.com ) Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX  Phone : XXXX XXXX XXXX  Blance date : XXXX XXXX Balance : XXXX  Here is the copy of the document they send me : XXXX XXXX XXXX   Payment Link Creditor : XXXX XXXX  Creditor Acct # : XXXX XXXX XXXX # : XXXX ACCOUNT BALANCE : {$1400.00} Dear XXXX XXXX XXXX XX/XX/2023 We recognize that sometimes circumstances or events can make it difficult to satisfy your financial obligations. We are presenting three options to resolve your balance. We are not obligated to renew these offers. 

Option 1 : Make 1 payment of {$1100.00} to be received by XX/XX/2023. 

Option 2 : Simply pay 2 monthly payment ( s ) totaling {$1200.00}. Your first payment of {$620.00} is due by XX/XX/2023. Remaining payments of {$620.00} are to be received by the XXXX of each following month until the total discount offer of {$1200.00} is paid. 

Option 3 : Simply pay 3 monthly payment ( s ) totaling {$1400.00}. Your first payment of {$460.00} is due by XX/XX/2023. Remaining payments of {$460.00} are to be received by the XXXX of each following month until the total discount offer of {$1400.00} is paid. 

Payment may be made by calling ( XXXX ) XXXX, mailing to the address below, or by using our online payment website at https : //portal.mrsbpo.com. 

When you call please let our representative know that you have received the XXXX XXXX option letter. 

Sincerely, MRS ASSOCIATES ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: DC

Complaint narrative:
They denied me for a settlement. I explained to them that my income decreased significantly,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Collection Systems, Inc.
State: NC

Complaint narrative:
I have a balance at a previous university and because of this, they have a hold on my transcripts. They said if I worked with the collections company that has my debt, they will release the transcripts. I contacted the company and made the required upfront payment and I am very concerned with how this company handles my personal information. I called to make this payment on XX/XX/2023. When the individual answered, I told them why I was calling and they said they could help and asked if I was 'MY NAME '. I am, and so I responded with yes. Then the individual read off my SSN, DOB, address, email, and phone number to me asking if this was accurate. I could of been anyone and this individual gave out every piece of personal information I have. They didn't ask to confirm it and have me read out the information, they read it off themselves. This is an unethical example of handling personal information. I have canceled my card and plan to contact the school to find a new method of handling this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I traded my vehicle early XXXX and was ensured my vehicle would be paid off before it was reported late on my credit. As I waited for my vehicle to be paid the deadline was getting close. I called Kia Motor finance on XXXX XXXX ( they have recorded calls by the way ) and they told me that they had not received the pay off from the dealer I traded at. This was not true because this is the date they received the payoff check. I believe this was when it was 28 days late. Anyhow, They told me that I could pay on the XXXX since they still hadnt received the payoff from my dealer and my account would still be not late which is what I ended up doing. Turns out they reported me 30 days late anyways. This dropped my score over 70 points at a time that I am trying to buy a house. This is not right and I would love to get it resolved. On my payment history on the website it says they received the pay off on XX/XX/2023 which was not 30 days late either.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted the credit bureaus to remove incorrect name, addresses, phone and to correct date of birth with no success. Some of these are connected to an ex-spouse that was not on any accounts with. There are also names and address that I have never used that are on my credit reports. My name changed in XXXX and I still can't get them to update it correctly. All of my creditors have the correct information on file and say they report it correctly. I have provided proof of my personal information with no success. This has been done several times in the past but the most recent was XX/XX/XXXX. 

The following should be removed : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( XXXX, Equifax, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
An unauthorized checking and savings account were opened under my name on XX/XX/2023. I received an e-mail to notify me of it within hours of it opening. I called my local branch to let them know and they were supposed to cancel account, but they didn't. An hour later I received another e-mail stating that funds were deposited into the account. The only way to get in touch with Citizens Bank is to call the main number which takes at least a 1/2 hour to get through to and then the customer service is very hard to understand. 

My biggest concern is that this account was opened under my name and at the time all three credit agencies had my credit Frozen. I questioned this with the main customer service and they didn't seem to know how this could happen either. I did not get the feeling that Citizens Bank cared or were concerned that I had a problem ( possibly caused by their lack of security ). 

I filed a complaint with XXXX XXXXXXXX and put a fraud alert on credit report. We will see..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : State of Michigan I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2023-07-12 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: MOHELA
State: OK

Complaint narrative:
MOHELA/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX, I purchased a car from XXXX XXXX XXXX, they reached out to CREDIT ACCEPTANCE CORPORATATION for and extension of credit. The consumer credit contract interest rates are in violation of the NJSA 31:1-1 CIVIL USURY, which the maximum legal rate in NJ is 16 % per annum if there's a written contract. The contract in question has a 22.99 % interest rate. CREDIT ACCEPTANCE CORPORATATION has continuously engages in these deceptive practices as referenced in CFBP/NY Attorney general lawsuit. since XXXX CREDIT ACCEPTANCE CORPORATATION has issued consumer credit contract with an average of 22.99 % or 23.99 % interest rate, completely and willfully disregarding the individual state statutes on civil usury. Ultimately as the NY Attorney General stated setting the consumer up to fail.

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 2023-07-12 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: OH

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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