vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet has reported to the credit reporting agencies my monthly payments for my public student loans have been late since XXXX, XXXX. 

The US Department of Education COVID-19 Forbearance Program requires public student loan payments to not be reported late and be subject to forbearance until XXXX, XXXX. 

Thus, Nelnet is wrongfully reporting my monthly public stunt loan payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: GA

Complaint narrative:
XXXX XXXX keeps reporting a fraudulent account on my credit report even after they sold the debt to ERC. Theyre ruining my credit when I sent in all the proper paperwork. This account was already removed due to fraud and they keep selling it and keep reporting it to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I saw that there were multiple inaccurate information reporting on my credit. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TX

Complaint narrative:
Bridgecrest company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: TX

Complaint narrative:
XXXX  company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of XXXX  i Fell behind on one payment.

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 2023-07-23 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Failure to validate a debt from Chase bank. Failure to fix all inaccuracies on report such as date opened and date of last payment. I have requested validation several times from this company and have not received it. The account has been updated but not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: FL

Complaint narrative:
I saw that there were multiple inaccurate information reporting on my credit. I have reached out to the credit bureaus for help and there has been no relief.

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 2023-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have numerous inquiries from capital one. I have never applied for capital one. They refuse to remove the inquiries and its affecting my credit score. Those inquiries are the result of identity theft and fraud. The only person I know that could have done this is XXXX XXXX my sister and her ex boyfriend XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive called and written to Transunion credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX XXXX  arent mine. Late payment and other derogatory statements arent mine.

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 2023-07-23 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: NC

Complaint narrative:
Ive called and written to XXXX credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX Bank arent mine. Late payment and other derogatory statements arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive called and written to XXXX credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX Bank arent mine. Late payment and other derogatory statements arent mine.

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 2023-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Please see all documents Mortgage Statements XXXX XXXX See all Escrow Statements from XXXX Please see email- The mortgage company XXXX have violated right that relate to FHA borrows, CARES XXXX XXXX the XXXX XXXX XXXX XXXX these XXXX support prior case number. XXXX. Please note payments have been made through this program and it appears that XXXX Mortgage payment processing center did not apply funds correctly. Please note it appears they are compressing unapplied funds and placing these funds in other account structures within XXXX Mortgage XXXX note that payments and refund payments was made by U.S. Trustee and those payments are not applied correctly. Please note that the Bankruptcy Payment was canceled in order to qualify for XXXX XXXX XXXX XXXX. Please note the borrow had made payments and those funds was not applied to account correctly. Please investigate these concerns. Please note extra charges and fees may have been applied to the account unfairly. See supporting article from CFPB. Please not due to the miss account and payment processing wrong information may have been reported to the ALL CREDIT RERPORT AGENCIES including XXXX XXXX. PLEASE NOTE : ON numerous times contacted the XXXX XXXX  about these issues. Additionally, I have requested that all correspondents be mailed to me via postal mail. XXXX XXXX  keeps sending emails to my accounts. Please see consumer protection rights under the federal and state code. Please note my age and race may have been violatehttps : XXXX  # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX under the federal civil rights code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for on purpose. 
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 2023-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over XXXX XXXX XXXX. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the XXXX XXXX. I would like these accounts removed please. It's been past XXXX XXXX and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: IN

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I XXXX XXXX XXXX cancelled EXPERIAN over a year ago because I wasn't pleased with their reporting and billing. Although I cancelled they keep billing me every XXXX or 3 months. I call them to stop and they will insist I request their services. They will put the money back after much frustrating conversations and threats to consumer protection agencies. This is the recent debit on my debit card that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX dollars and XXXX XXXX cents {$24.00} Details Statement Description : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023

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 2023-07-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was an authorized user on the JP Morgan case account I was removed from that account XXXX months ago however its still recording on my credit and its affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In the month of XXXX XXXX charge my account for XXXX XXXX which I did not authorize. I contacted them and was told they did not make any transactions from that card, Citibank state they did They took out {$7.00}. In the month of XXXX I entered the 30 days free trial for XXXX XXXX, about a week XXXX did a transactions from my citibank account for XXXX XXXX for {$16.00} The 30 day was not up, so I told them to canceled it. In the monthof XXXX they charged me for XXXX XXXX {$16.00}. XXXX. Contacted both companies and never got it resolved .Too many back and forth no money was refunded

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 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account was hacked and a fraudulent check, was put into my account and cashed and withdrawn. I have contacted the bank of requested the proper paperwork to fill out nothing was sent to me. I didnt receive anything my account was closed and they told me Im responsible for the 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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received a call from the number XXXX ( XXXX ) XXXX on XX/XX/2023. The caller ID said AmericanExpress and a lady answered the phone. The lady said she is with American Express and was calling about a credit card application I put in. I put a credit card application for a gold Amex American Express card on XX/XX/2023. I used XXXX XXXX to apply for the card. The lady on the phone asked for the last four of my social security and I gave it to her. Then she asked for my birthday date but I didnt give it to her after because I got a feel it was a scam.I hung up after that and looked up the number and it definitely was a scam. Also American Express is closed on Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I paid off my home mortgage loan ( Mr. Cooper mortgage company ) a month ago, in XX/XX/XXXX, and received a letter at the end of XX/XX/XXXX, confirming this along with a promise to stop the automatic biweekly withdrawals : {$2900.00}. I was surprised to find out that the automatic withdrawal continues on XXXX : XX/XX/XXXX and called customer service. I was told, that it is a computer-related problem and promised to be reimbursed within two weeks. Instead, I found out that the next withdrawal on XX/XX/XXXX was made by XXXX XXXXXXXX XXXX company again. The customer service is very rough and I go nowhere so far. Please assist me. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have been billed with several XXXXXXXX XXXX and medical bills that arent mine. These debts have been removed before but they keep buying them and adding them back to my credit report. They try to say that theyve been validated but refuse to send me any proof of validation. I have filed the proper police reports with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
For the past year I've been contacted via email from a guy named XXXX XXXX who purports to have an Bank of America ATM Card with the amount of {$3.00} XXXX Dollars in my name. He sent me a certificate of transfer stating the same thing, however in order to receive the ATM card he wants me to pay {$500.00} for the shipment and/or activation. I tried to run him away referring to him as a scam, but he has been persistent that he isn't a scam by swearing to XXXX and on his life that he isn't, on the certificate it has the CEO of Bank of America signature on it, I've also contacted the CEO of Bank of America via email to validate the document but to no avail, he didn't respond back. I had an account with Bank of America in XX/XX/2020 however it was closed although I believe it was never closed and I was charged unauthorized fees on the account which diminished the funds that I did have in the account. Under law I believe I'm the rightful beneficiary of the funds stated by XXXX XXXX from Bank of America.

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 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: LA

Complaint narrative:
Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

( INACCURATE INFORMATION ON DATE OF LAST ACTIVE )

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 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC
State: WI

Complaint narrative:
In XXXX of this year, I refinanced my car loan and Innovate Loan Servicing was paid in full. I took the necessary steps to get the refund of the Gap Insurance and a Protection policy. I was informed that the Gap Refund check was sent on XX/XX/XXXX and the Protection check was sent on XXXX to Innovate. About a month ago, I did receive a phone call from a gentleman from Innovate stating that the Gap refund check was was received on XX/XX/XXXX for {$550.00} but he stated that he didn't have record of the {$260.00} check for the Protection policy and he would have to look into yet. I have not yet received either refund. They do not respond to any of my e-mail requests.

Company response to consumer: Closed with explanation