vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
LendingPoint breached their contract with me by overcharging me and debiting my bank account on random days that I did not agree to. After I made a complaint and requested for the account to be closed XXXX/LendingPoint closed the account. I could not access my account for months so I thought it was closed do to XXXX  honoring my request for the account to be closed as indemnification since they debited my bank account leaving me in a deficit on dates that were not agreed upon. Per the Contract the temporary relief for {$26.00} was supposed to be for the next 2 periodic payments per the contract payment dates remained the same which meant on the XXXX so for the contract that was signed on XX/XX/XXXX the next 2 payments were supposed to be XX/XX/XXXX and XX/XX/XXXX and it was supposed to only be for {$26.00} on XX/XX/XXXX lendingpoint charged {$260.00} and I had to call them for 2 weeks straight before they gave me my money back. I explained to them that because of their breach of contract I wasn't able to buy food and pay other bills their solution was to put me on another temporary relief for their mistake. The next Temporary relief was suppose to be for XX/XX/XXXX and XX/XX/XXXX for {$26.00} but again they debited my bank account the wrong amount {$31.00} and on the wrong XX/XX/XXXX this left me in a financial deficit again and the trust was no longer there since LendingPoint breached the contract twice. After I successfully removed them from my bank account I made a payment XX/XX/XXXX when I went to make a payment on XX/XX/XXXX the account was closed. I could no longer access my account and it stated the loan was complete. Also on my credit report XXXX showed up with a completed loan status so it seemed as if they honored my request and closed the account down. Then earlier this month on XX/XX/XXXX I received an email from a collection company XXXX XXXX XXXX advising that I owe {$11000.00} and that they are contracted by another collection company XXXX XXXX XXXX. I complained to XXXX XXXX XXXX and they advised LendingPoint to charge off my account on XX/XX/XXXX and placed the account with them. XXXXLendingpoint noticed that they breached their contract and instead of correcting the errors made they used fraudulent tactics to exploit my personal information including my social security number and address to 2 other companies on false premises. Please see attached contracts that were not honored as XXXX explains in their own words. As well as evidence that account was closed. Please remove me from all companies records and reimburse me monies paid into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Over the past three years, Ive been asking the CFO, appointed at the Department of Education/Nelnet for proof of certificate of indebtedness, financial statements demonstrating where did this debt originated from. In order to find that information is through an income statement that will show the assets column and the liabilities column painting a story of the company account payables as well to as an account receivable, Balance sheet and the cash flow statements. I am requesting to have each and every receipts that was concealed from me as a consumer.

Money is an illusion. In this monetary system it only has credit/debt. How could I possibly pay off bad debts using legal tender notes known as the Federal Reserve Bank with another debt? How is this possible with money being out of the picture? All debts must be discharged after three years not lingering around your mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-06-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I asked each credit bureau for proof that the United States Court or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus.

The credit bureaus violated FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The Federal Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is violating consumer laws by reporting INACCURATE ACCOUNT information on my credit report. I have made multiple attempts to have these inaccurate reports removed and I have been unsuccessful 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

There are 5 accounts which are reporting erroneous duplicate items for the following amounts. 

{$5900.00}, XXXX and XXXX {$21000.00} XXXX and XXXX XXXX XXXX and XXXX {$33000.00}, XXXX and XXXX {$20000.00}, XXXX and XXXX these accounts are from XXXX XXXX XXXX XXXX XXXX I have enclosed a copy of my credit report please examine and remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.

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 2024-06-23 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: FL

Complaint narrative:
My investigation has been going on since XX/XX/2024. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated 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 2024-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I took out a loan of {$30.00}, XXXX with Nissan Motor Corporation at the XXXX XXXX Nissan dealership. 

* I feel that I am the victim of predatory lending, for at the time of my purchase, I was desperate, an Elder and low income, with a desperate need for a car. 

*My Monthly income at the time was only, {$2500.00} gross. My car note is {$830.00} which is XXXX XXXX of my income. 

*I feel that I underwent aggressive marketing and sales deception and manipulation to convince me as the borrower, whereas I felt pressured to make a decision quickly on a loan with unfair terms. 

* I feel that this a serious form of undue influence, for the Sales- person and his Manager, knew that I could not afford to pay the loan and at the time. 

* I felt pressured to agree to make the unaffordable payments, for I was advised that if I paid for a year on time, I could come back and could get whatever I wanted with better terms. 

* When I returned after a year, I was told that they would not re-finance me and to go to elsewhere. How can I, when I am now upside down and have {$17000.00}, of negative equity. 

* One month ago, I explained to a Customer Service Rep, that I am not working the same amount of hours, that I was working when I obtained the loan last year. She then asked me if I had {$500.00}. I told her, No. She then extended me an extension and asked me if I could pay afterwards, I told her that I did not know. 

* In order to make the year of payments on time, I had to work extended hours very often, which affected by overall health. I am a XXXX survivor and the additional hours stressed me tremendously. 

* On XX/XX/XXXX I wrote Nissan Motor Finance Company a letter of my concerns and they, wrote me back on XX/XX/XXXX, advising me that my complaint solely concerns the dealer in regard to the alleged conduct in the sale of the vehicle. 

* I sincerely feel that Nissan Motor Corporation is also liable, for they accepted the terms that were outlined to them by the Dearlership, in which includes my debt to income ratio in regard to affordability. 
the debt to income ratio regarding affordability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-06-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dave Operating, LLC
State: FL

Complaint narrative:
Dave has not reported an update on my account since XXXXXXXX XXXX XXXX. My account has been closed for months. They refuse to report it as closed. Dave customer service is horrendous. They take 3-4 days to reply every time and when they do the person replying is clueless. I was instructed to call in for help and when I did I could not get past the robot because my account is closed why would you knowingly advise me to call in when I will never be able to reach any assistance if the account is closed. I continue to try and get help over email and every time they ask for more and more PII after I already verified my last 4 of social, address name etc. and Im using the email address they have on file?!? They refuse to provide documentation that the account is closed and they refuse to assure me the account will be reported as closed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I have an Apple Card issued through Goldman Sachs that is largely controlled by Apple XXXX XXXX. In the app it said XXXX a payment of {$960.00} ( total balance ) by XX/XX/year> to avoid further interest charges I paid the balance in full included previous compound interest charges for the grand total balance of {$960.00} on XX/XX/year>. On XX/XX/year> ( the last day a payment could be received without being considered a late payment ) I was charged another {$20.00} in interest only. Customer service informed me that it was trailing interest I incurred carrying the balance from XXXX to XXXX. This to me would make perfect sense if it wasnt for the fact that the XXXX told me specifically if I made my payment in full I would not receive any additional interest charges. But apparently there is the previously undisclosed trailing interest. It appears to be an issue with Apple and not Goldman Sachs where they are both giving you information in the app you use to make your card payment that is a total lie on top of advertising the card as having no hidden fees which is clearly also a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
We closed escrow on XX/XX/XXXX with the correct amount of property taxes accounted for in our escrow account in the amount of {$6200.00} for that year. Our mortgage company was XXXXXXXX XXXX which was then transferred to Flagstar bank XX/XX/XXXX. We received a refund check on XX/XX/XXXX in the amount of {$1200.00} from Flagstar I was informed that it was an overage from our previous mortgage company and to keep it. Flagstar decided to incorrectly reassess our taxes lower despite having the necessary info and tools to verify that there should not be a lower tax amount per XXXX  tax rules. They adjusted it down to an unrealistic amount per our purchase price of {$500000.00}. Our mortgage was originally {$2800.00} with XXXX XXXX, and with Flagstar our mortgage decreased to {$2600.00}. 
Now due to their error they readjusted our payment Significantly higher to correct their own mistake and purposely put us in a XXXX XXXX, with an increase in our mortgage of almost {$900.00} giving a new payment amount of {$3400.00}. 
Our address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Loan 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 explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Due to XXXX misconduct, even though I was totally quiet, I was accused of not being calm merely because I asked for a supervisor. I was told that because the representative was from XXXX too I just needed to be quiet and I did not have a right to speak to a supervisor. I was then hung up on as if I was low XXXX XXXX who had no right to even be able to ask to speak to a supervisor. Ive never felt so dehumanized until Citi Bank dabbled into discriminatory misconduct.

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 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Independence Capital Recovery, LLC
State: NJ

Complaint narrative:
I advised to XXXX XXXX XXXX that there is no proof of me owing them. They advised that they have proof but I have not received the original of a contract that has my signature stating that I owe them. They say its for a loan with XXXX XXXX but I have proof that the loan with XXXX XXXX was completed so this is Theft of personal information including social security number, physical address and email address. This company advised Independent Capital Recovery contracted them to handle the account but when I complained to Independent Capital Recovery they advised to resolve the issue with XXXX XXXX XXXX neither company has any rights to my personal information and I do not owe either company. Cease and Dismiss and both company 's need to be investigated for their faulty practices. Also Independent Capital Recovery advised they had my information from XX/XX/2024 to XX/XX/2024 without sending a validation notice that is also theft of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
My mortgage account was purchased from another company and bought by Newrez Shellpointe. This is the first transactions/interactions with the new company. 

On XX/XX/year>, my bank account was charged the expected amount that I had set up with the previous mortgage company. 
On XX/XX/year>, my bank account was charged a second time with the same amount without a reversal. 
I gave a couple business days for a reversal and one was not completed. 
I called the company 's service line on XX/XX/XXXX and spoke to a representative who stated that they knew there was an incorrect second amount but their system showed that it was already reversed. I stated in the call that not only was it was not reversed, but that there was no documentation to go with all the transactions that had occurred. The representative put me on hold, then stated that I was correct, the reversal did not happen and they would process it in XXXX-3 business days. Additionally, he stated that by XX/XX/XXXX, I would see the documentation with all transactions in my accounts ( there was a lag because they had recently purchased my account ). 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX passed ( 5 business days ) and no correction was made. I called my bank on the XXXX to ensure nothing was held up on their end and they said nothing was incoming. 
On XX/XX/XXXX, I received an automatic email noting that the documentation was ready and in my account, but upon reviewing, not only did it not show the secondary posting, but it did not show a reversal or anything else that occurred during the month of issues. 

My formal complaint is- they have double charged, kept incorrect documentation as to what has occurred even within their own system ( " it was already reversed '' " I see this was not actually reversed '' ), did not keep to their timeline about reversal, and then provided incorrect documentation without anything noted of the original double posting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello A while back ago I noticed that there was incorrect employment information that was on my XXXX report. I thought I was going to call the main bureaus up and resolve the issue with them. But I never got around to it. And for some reason I believed I did resolve the issue. But fast forward a couple years later I had a feeling I might not have resolved the problem. So I called XXXX to correct it. I am not sure if this incorrect employment information was elsewhere at other credit bureaus or other entities that are associated with my identity. I apologize that I do not have the dates for when I called XXXX to correct my account. I have never been employed at XXXX XXXX XXXX. I am going to call the XXXX other main credit bureaus in hopes to resolve this issue with them. But I am unsure if there are other places that might have this false employment information. Currently, I am unemployed in order to complete college. And I have been for quite some time. Please help. 

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 non-monetary relief