vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I applied for a Mortgage back in early XX/XX/2023, was given an approval, the Pre-Approval letter expired XX/XX/2023. The offer I had made back in XXXX on the house was accepted XX/XX/2023. When my mortgage broker pulled my Credit Scores, Experian did not have a score for me. They lost my car loan. I have called them several times since then, and my loan officer on the car loan called them. As of XX/XX/2023, I still am not showing a credit score with Experian

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 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CA

Complaint narrative:
We have an escrow account set up to property taxes and insurance and Selene Finance has failed to pay our insurance and our policy has lapsed. For loan number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

They were provided with all necessary insurance documents and information to pay the policies and have failed to due so.

There are two buildings and two different policies. One was paid and they will not pay the other one.

They hang up on you when you call, give you the run around and transfer you to new departments with no answers. We have sent formal request to which they have never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a fraud account reporting from XXXX XXXX XXXX XXXX Acct no. ( XXXX ). This not my account. This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Writer is co-signer for private school loans, 5 in total, which all are set to go into repayment at the same time- after the standard 6 month post-graduation grace period ( XX/XX/ ). Due to an error on the company 's behalf, one loan out of the five is listed in repayment status several months early. The primary on the loan has had many conversations on many different occasions with many different individuals to fix the issue, and has provided verification of both XXXX and XXXX graduation dates from the schools as requested by the company, however the issue has not been rectified. The last person to assist by not assisting, stated that it went into repayment therefore, they could only put it in a 'return to grace ' period, for which interest would still accrue ... ..even though it was their fault and should never have been in repayment in the first place. Which basically boils down to, we are paying extra money for their mistake which they have refused to properly rectify, despite multiple attempts on our end to fix by going out of out way to provide verifications directly from the schools. No action has been taken by the company to address their mistake. Their continued mismanagement of our school loans could not only cost us more money, but affect our credit scores and cause financial hardship. What's worse is the incompetence of customer service in not being able to address and correct what could likely be fixed in minutes with the stroke of a computer key or two. At each communication we've been assured it would be fixed, yet here we are being threatened with due dates and late payment fees, etc ....!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Upon checking my credit report because of other fraudulent activity, I discovered an amount of XXXX was sent to a Genesis collection agency. I called to discuss this with them and learned that someone had used my identity to apply for a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Capitol one Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXXXXXX XXXX XXXX  Was charged late fees and interest charges never received a statement. 
Requesed a statement of all changes and payments never got it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 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: OR

Complaint narrative:
On XX/XX/XXXX I submitted an FTC Report for Fraudulent activity on my credit reports to IdentityTheft.gov. I noticed there were hard inquiries that weren't from me. All 3 Credit Bureaus received this report. I received this message back from my reporting to the FTC. 

XXXX Mon, XX/XX/XXXX, XXXX to me Thank you for reporting identity theft to the FTC. 

Your reference number is : XXXX Keep this for your records. 

After submitting the FTC report, to all 3 credit bureaus I submitted a dispute letter, my Drivers License, and SS Card, via certified mail via USPS on XX/XX/XXXX. After receiving the materials, XXXX and XXXX both removed the hard inquiries that I reported as fraudulent, but Equifax did nothing! My dispute is with Equifax specifically, please note this on my file. I then called Equifax on XX/XX/2023, and asked them to remove the hard inquiries from my dispute letter. An Equifax representative gave me a confirmation # XXXX saying that the hard inquiries were removed. On XX/XX/XXXX I received an updated report in the mail, and it actually showed the inquiries were deleted and removed. On XX/XX/2023 I called Equifax again, because nothing was removed on the Equifax website again. On the phone call this equifax representative gave me confirmation # XXXX, and assured me again that all the inquiries were removed. I waited 2 weeks, checked the equifax website, and noticed nothing was removed once again. I knew I was being lied to after the 2nd representative told me that they removed the inquiries. On XX/XX/2023 I called back again to complain, and the representative told me she will remove all the inquiries again. She gave me confirmation # XXXX, and said she removed all of them. On XXXX I checked my Equifax report and noticed that only one hard inquiry was remaining, so 2 of them actually got deleted. Only one hard inquiry named XXXX was remaining. I called back a 4th time to complain to Equifax on XX/XX/2023, and asked for the rep to please remove XXXX hard inquiry. She went to talk with a supervisor, and came back on the line to tell me that the other 3 Equifax employees put in an incorrect code, so that was the reason that it was still showing up on the Equifax website. This obviously is a blatant lie from this last representative, because 2 of the 3 hard inquiries were removed successfully. The last rep gave me a confirmation # of XXXX, and told me that I would have to wait an entire month before I would get the hard inquiry removed. This is another bold face lie, because all the other 3 Equifax representatives told me that within 72 hours I could check the website for evidence of removal. Can this be turned into a lawsuit, because of the blatant lying taking place? This morning on XX/XX/XXXX, the XXXX hard inquiry still hasn't been removed on the Equifax website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Today on XX/XX/2023, I was paid from a settlement directly to my zelle. Upon opening the app to accept my funds I was told My account was permanently locked. I called, and was told they do not accept my cards anymore ( no email or text was sent telling me about these changes. ) They would not tell me why I wasn't told, they would not tell me why things changed. They would not help me access my funds and kept giving a run around answer ( we do not support your bank anymore ). As I've said nothing has been sent explaining any reason to any of this all of a sudden change. When I've been receiving funds just fine with my card on their app. They say they do not have any more information of mine and never have, yet I've used their app multiple times and my information was there. Now all of a sudden, it's permanently locked and they can't and won't do anything. Making me and my kids suffer and have to wait for them to send the funds back and to get a check from the sender. ( Process about XXXX months ) this is absolutely obsurd. Had they had communicated with their customers I wouldn't be as mad. But the ignorance and refusal of a decent answer is absolutely outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I previously complained to the CFPB about Kia Finance of America on XX/XX/2023 about the harassing phone calls I was receiving regarding a {$140.00} debt on my lease account. I explained to them the situation several times but still received harassing phone calls daily. On XX/XX/2023 Kia Finance responded to my complaint stating that they would waive the amount of the sales use tax assessed and the two late fees attached to this sales use tax. I am now receiving more calls because they have not credited my account which they said they would apply. I started receiving these calls on XX/XX/2023 where I was called approximately 3 times during the day at XXXX XXXX, XXXX XXXX, and then again at XXXX which I picked up because I was now off work. I spoke to the representative and explained that there should have been a credit for my account and she stated that she did see that on my file and told me to have a great day. I then received another XXXX calls on XX/XX/2023 in regards to the debt starting at XXXX XXXX, again at XXXX, and then again at XXXX which I picked up on my lunch. I spoke to the representative explained the situation and asked them to stop contacting me in regards to this debt because it should be taken care of according to my previous complaint. I then received another XXXX calls today XX/XX/2023 starting at XXXX XXXX and then another at XXXX XXXX. I am at the point where I want to take this legally because it is hindering my job performance with the constant calls and distractions.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I am applying for a home equity loan through XXXX XXXX XXXX XXXX. They are asking for a current statement of account, PennyMac can not generate a new statement showing everything is current until XXXX. I will lose the opportunity I am requesting a loan for if it is delayed a month because PennyMac can not provide a current statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-11 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: Nelnet, Inc.
State: TN

Complaint narrative:
I spent close to two hours on hold trying to reach Nelnet via phone. Their online FAQs and information portals are useless. they also make claims about recurrent email notifications to maintain updates on applications, statements, issues, etc, but emails are never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
To the Appropriate Officials, On behalf of XXXX XXXX, the juridical principal debtor, I, as a non-juridical representative, draft this grievance, resonating with genuine concern. 

The Longstanding Bond : Tracing back to XXXX, XXXX XXXX 's affiliation with American Express has been unbroken. This provokes the query : What prompts this complaint at this juncture? 

A Tale of Two Narratives : Theres an evident disparity between the narrative spun by American Express 's responses and our initial assertions. This gap pushes us to seek a higher avenue of redress.

Reflecting on the Past : Earlier grievances seem to have been prematurely archived without directly addressing the pivotal matters. Such oversight nudges us to take this intensified approach.

Navigating the Fog : Our endeavors for straightforward communication with American Express 's divisions often find us amidst murkiness, opposing our intentions for clear discourse. 

Enclosures : The documents attached serve as a beacon, illuminating our areas of concern. 

A Call for Action : I implore the CFPB to delve into this matter, seeking a transparent and equitable resolution. 

As an additional measure for transparency and to underscore the gravity of this matter, a hard copy of the pertinent attachments has been dispatched via certified mail. 

XXXX ( non juridical )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This is associated with complaint : XXXX as I have no way of adding to my previous complaint. It is also associated with the Zelle transaction XXXX, XX/XX/23, {$1800.00}. Mislead/Scam I have asked XXXX ( Zelle ) for information on the receiving bank so that funds can be recovered under the new " mislead/scam '' guidelines. They refuse to provide that to me, nor reimburse me for the " mislead/scam '' even though the new Zelle banking terms allow for it. I believe that the receiving bank set up a bank account for the person who initiated the mislead/scam without receipt of proper identifying information associated with federal/state " know your customer '' regulations. This enabled the scammer to initiate the mislead/scam and then immediately transfered the funds to another account ( which XXXX/Zelle refused to provide ). 

In addition, I believe that Zelle has not implemented proper safeguards to guard against mislead/scam transactions by not 1 ) requiring all receiving bank accounts to provide " know your customer '' documentation and then supply that to the sending bank in the case of mislead/scam transaction, and 2 ) clearly show if the receiving Zelle transaction is associated with a non-US bank, or a bank that is not subject to US " know your customer '' regulations. If this information was provided at the time of setup, then consumers would be informed that a mislead/scam may be happening, and thus avoid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MD

Complaint narrative:
XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX account from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.

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 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
After repeatedly writing to and chatting with Rushmore Loan Management Services in XXXX, ( XXXX ) XXXX, they responded to my request about an upcoming ( XXXX XX/XX/2023 ) transfer of my loan to Rushmore in Texas on XXXX and XXXX XX/XX/2023 to inform me that my concerns were " under review. '' On XXXX XXXX and again on XXXX XXXX, RLMS wrote to explain that " XXXX XXXX XXXX XXXX not in its individual capacity but solely as XXXX XXXX for the XXXX XXXX XXXX is the current owner of the loan. '' Four days later, I received an email from " XXXX '' informing me that they, not " XXXX XXXX XXXX XXXX not in its individual capacity but solely as Indenture Trustee for the XXXX XXXX '' now held my mortgage : " Previous Servicer : Rushmore Loan Management Services LLC '' " Old Loan Number Ending In : XXXX '' " New Rushmore Servicing Loan Number : XXXX '' " Property Address : XXXX XXXX, XXXX, CA, XXXX '' " Transfer Effective Date : XX/XX/2023 '' " Your AutoPay and Escrow account will automatically transfer to us from Rushmore Loan Management Services LLC. Please note that there may be a slight delay in drafting your first payment. This is normal and nothing to worry about. If there is an issue, we will contact you. '' That same day, according to my bank, Rushmore Loan Management Services LLC withdrew my regular mortgage payment -- four days after they wrote to inform me that they no longer owned my mortgage. 

" XX/XX/2023 RLMS ACH RLMS Idxxxxxxxxxx {$1100.00} '' Ten days later, " Rushmore Rushmore '' withdrew the same amount without explanation : " XX/XX/2023 RUSHMORE RUSHMORE XXXX {$1100.00} '' So, my mortgage payment was charged twice this month without my permission or even notice, and Rushmore Loan Management Services LLC made their withdraw several days after they wrote to explain they no longer serviced the loan.

Company response to consumer: Closed with explanation