vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I received notice from XXXX that a new credit card had been opened in my name the 1st week of XXXX. I had not applied for any new credit cards. Upon reviewing my account, I learned that a 0 % interest retail loan that existed with the company called Fortiva with a remaining balance in the amount of {$1600.00} had been transferred to a Fortiva Credit Card with a purchase interest rate of 25.99 %. The transfer was made at the existing 0 % interest rate. The Total Credit Line of the Retail Loan was {$4000.00}. The Total Credit Line of the Credit card was reduced to {$2000.00}. 
Fortiva is issued by the XXXX XXXX XXXX. 
This transfer occurred because I had not OPTED OUT of this change of terms. The notification to OPT OUT was delivered by email and had a limited time frame within which I would have to OPT OUT. I never read this email. When I called the company I spoke with the consumer representative and her supervisor. Both reiterated that the fault was MINE due to my having not read the company generated email and OPTED OUT! 

Why am I complaining? 

Deceptive marketing tactics. The previous Retail Loan was setup with a monthly auto-deduct payment requiring no real time oversight on my part. Had I been required to OPT IN, I would have declined as I do not need or want another credit card. If I had a medical issue that prevented me from managing my emails this would have occurred. Likely there are consumers that this has happened to. 
The Fortiva representatives call this action an Upgrade. It is NOT! It has decreased my total credit line and dinged my credit score by creating a new credit card liability that I did not ask for and do not want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
I made a large payment on XX/XX/2023 that was supposed to be distributed over 11 loans that I have with Mohela. They did not distribute the loans correctly, and made significant errors. I have now called them 3 times to fix the error and they keep making more mistakes. Each time I call I have to wait on hold for over 3-hours. I have tried multiple times to fix this problem and they keep making the same mistakes, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX. XXXX I have submitted my XXXX ( XXXX ) application to the federal student aid XXXX. Get note that I am transferred to Nelnet XXXX. I call Nelnet in XXXX XXXX times waiting for XXXX to no avail XXXX. Emailed them in XXXX about my issue of not having my account reflect the new payment plan XXXX. Get advised to pay {$5.00} XXXX  to exit my current plan to a new one and it still was not reflected XXXX. Call again XX/XX/17 and finally receive human contact XXXX hr in. 

Essentially, the struggle to get any answers from this company at this scale is quite embarrassing and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Closed on the sale of my home in XX/XX/2023. This was a short sale negotiated by a third-party company, the XXXX XXXX XXXX The loan administrator, Shellpoint, was not open to negotiating a payoff amount that was sufficient to meet my requirements. 
As a compromise, the third-party negotiator made an agreement on my behalf with Shellpoint to endorse an insurance check for damage to the home ( check made out to me and Shellpoint ) and allow me to keep the funds. This was verbally negotiated via my realtor, the third-party negotiator, and me. 
After closing, as agreed previously, I mailed the unendorsed check to Shellpoint, with the understanding that they would endorse it and mail it back to me. When I called to check on the status after several weeks, they said it was on its way to me, and I should receive it in XXXX days. This was in XXXX. 
I never received the check. After numerous attempts to determine what had happened to the check, Shellpoint finally disclosed that they had deposited the check into their account without my endorsement, stating that it was an offset on the short sale and that they were keeping the money. 
I obtained a copy of the deposited check from my insurance company. It clearly states on the back of the check that it must be endorsed by all parties. Shellpoint had not obtained my endorsement and had, in fact, simply stamped the back and sent it through. 
Neither Shellpoint nor the XXXX XXXX will acknowledge that there was an agreement. In fact, the negotiator at XXXX XXXX, when questioned by his supervisor about the agreement, denied that he made such an arrangement. 
I have emails indicating his awareness and his willingness to reach out to Shellpoint when I told him what they had done. 
I don't know which avenue to pursue from here. My realtor, who was aware of and participated in the negotiation, has attempted to reach the supervisor at XXXX XXXX, who has not responded. 
I think that the bank that accepted the check without proper endorsement might have committed some violation. I am not sure about Shellpoint or XXXX XXXX, since it was a verbal agreement. As I previously stated, my realtor was a witness to the verbal agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me XXXX  and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid my Citicard XXXX XXXX before my payment was due on XX/XX/23 via online ( my payment due date is on the XXXX of every month ). I requested for Citibank to close my account on the same day ( XX/XX/23 ). The very next day, I paid off my entire balance on XX/XX/23. 

Today, I received a notification of my statement and noticed that they charged me interest on XX/XX/23. When I contacted customer service, they claimed I missed a payment or that it was late! On my statement, it clearly shows that I paid on time and didn't miss my payment. 

Then the representative claimed I missed or was late w/my payment in XXXX. I had this card for 4 years, and I've never missed or was late with any of my payments!

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 2023-11-17 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Debit was settled and they charged off the balance, however after several years it was still showing on credit report as closed account with a balance due, I tried to dispute the balance to have it removed however after I did the dispute they reopened the account and started to report me late on payments when the account should of been closed and at the very least as a charged off balance like it had shown for several yrs. I feel this was a deliberate attempt to retaliate against me for putting in a dispute. Since then my credit as dropping several points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
In XXXX & XX/XX/2019, Fedloan reported that I was late on payments during a period where I was under either forbearance or deferment. On my credit report, for the month of XX/XX/2019 it states I was 90 days late ; the following month ( XXXX ) says that I was 120 days late. However, the 3 months leading up to XXXX & XX/XX/2019 have green check marks which means I was not delinquent on my Fedloans during those months and therefore, could have never been 90 days late in XX/XX/2019 or XX/XX/2019. This inaccurate reporting has negatively impacted my credit for the last few years and I need to have it reversed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I began to use the credit card that was offered to me and as I used it I made payments so as not to have to pay interest and maintain good use and management, but the last payment received was not credited to the card since it is under investigation and if it will be made further payments will not be credited to the card until they determine to credit it.

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 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
A credit card was opened up fraudulently in my name through Ashley Furniture. Their partner bank that services the cards is Synchrony Bank. On XX/XX/2023 I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to Synchrony Bank. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of Ashley Furniture to close it through them. Synchrony Bank Solutions reviewed my claim and found the Ashley Furniture account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX attempting to collect the same debt from Ashley Furniture for their client XXXX XXXX XXXX, XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to Ashley Furniture and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX  allowed me to submit the required documentation to start my fraudulent claim.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have late payments showing on my credit report with Milestone ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I explained to both XXXX XXXX XXXX XXXX, the company, and XXXX that the debt is incorrectly listed and it was included and discharged in bankrupcy. I sent all of the paperwork including the letter from the attorney to both Equifax and XXXX XXXX XXXX XXXX. 

XXXX promised me they would take care of this on their end, multiple times. I also have a dispute resolution file from Equifax where on page XXXX of XXXX, it clearly only says UPDATED, but it doesn't say REMOVED. As of today it still shows up on my credit report when it should not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-17 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: GA

Complaint narrative:
XX/XX/XXXX i sent my XXXX disputes letters No action was taken XXXX. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent out dispute letters to each Bureau Experian, XXXX, XXXX regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached proof of my dispute letters to each company Experian, XXXX, XXXX and also The FTC report regarding the unauthorized inquires.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently requested my tenant screening report which was provided from XXXX ON XX/XX/XXXX. I requested my report due to an adverse letter sent to me by XXXX on XX/XX/XXXX including false information that is listed on my credit report with " Experian XXXX '' which is different from the regular Experian ( which does not list this information, or XXXX or XXXX ). The letter states that I have lived somewhere that I have not lived since XXXX, and also stated that I owed debts. I have no knowledge of any debts written or verbal, and I have been living at my current residence during the time that they are showing on their report which reflects XXXX and XXXX. I'm not sure where they have generated this information but it is not correct. They have also shown in the report that the lease term from that property reflects start Date/move in : XX/XX/XXXX and end date : XX/XX/XXXX and move out date XX/XX/XXXX ( Although the debt does not belong to me, but based on the false information that is noted in the report, I also noticed that they did not include the clause/statement reflecting information showing the protections under the Federal CARES Act, rental assistance, ect. ). This negligence has caused a strenuous delay in my moving with my small kids as a single mother on short notice and undue distress. My integrity calls for lawful and moral convictions to settle anything that might harm another or hinder my own life with my children. This has greatly affected me and my kids, and as per my rental and payment history, I always pay on time and gracefully without any missed payments reflecting even the payments paid in advance.

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 2023-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
Someone used my credit to add me as a co-signer for an apartment. When I called the company after finding the collection on my report, I was told I either need to provide a police report or pay it to have it removed. It was only {$170.00} and worth not dealing with everything else, so I paid it and it was removed. Now a year later it has been added back as paid status and they are refusing to take it back off. The reappearance dropped my score from over XXXX to XXXX. XXXX XXXX and rely on my credit for survival. Again, this was fraud and they did remove it as promised initially, but now have added it back 12 months later. They have been extremely rude and could care less about the damage to my life even though the debt was never mine. 
All Im asking is that they take 5 minutes and have it corrected so it is removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: FL

Complaint narrative:
Unauthorized inquiries on my consumer report, I do not recognize these transactions nor have I been supplied proof of signature of me giving any proof of these inquiry transactions, everything on the consumer report needs to be 100 % accurate. I demand these to immediately removed or I will use my consumer rights and file for {$1000.00} per violation 15 USC 1681n- Civil Liability For Willful Noncompliance!

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company response to consumer: Closed with explanation