vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: VA

Complaint narrative:
SafeRent Solutions is reporting the following injurious information on my CoreLogic Rental Property Report Consumer Report : Case Number XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX File Date : XX/XX/2018 Court : XXXX XXXX XXXX XXXX This information was obtained by XXXX XXXX and I was told that by a representative from XXXX XXXX the aforementioned court information is not reported on any of my XXXX XXXX consumer reports. 

It should be noted that local and federal courts do not verify information directly.

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 2023-07-10 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: NC

Complaint narrative:
I have two issues : ( 1 ) I want Nelnet to demonstrate its legal right to my student debt ; and ( 2 ) If they can demonstrate the authority to collect this debt, I want them to return me to the payment plan I am on ( PAYE ) at Great Lakes. 

As of XX/XX/2023, my student loans were serviced by Great Lakes and I was on the income-driven Pay As You Earn ( PAYE ). 

On XX/XX/2023, I received an email from Great Lakes that my loans were being transferred to Nelnet. I received no further communication about the transfer until XX/XX/XXXX, when Great Lakes emailed me to say that my loan would *not* be transferred. Here is the material section of the email from Great Lakes : " Recently, we informed you that the U.S. Department of Education ( ED ) was planning to transfer the servicing of your federal student loan account to another member of ED 's federal loan servicer team. We're now writing to inform you that ED did not transfer your loan account to the other servicer. ED determined that it was not necessary to transfer your loan account. We, Great Lakes, will continue to provide customer service for your federal student loan account. If you are currently required to make monthly payments on your federal student loans, direct your payments to us. '' After that, I received notice from Nelnet that they are now servicing my account. However, Nelnet changed my payment plan *without my knowledge or consent* to REPAYE. 
Between XX/XX/2023 and today 's date, I have sent five emails telling Nelnet that I do not want to be on the XXXX plan. Nelnet has ignored these emails. 

On XX/XX/2023, I called and spoke to a Nelnet agent who ( a ) gave me incorrect and misleading information about loan consolidation, which would have caused me significant harm if I had followed her directions ; and ( b ) said she had taken care of getting the loans changed back to the correct PAYE plan. 

As of today, Nelnet still shows my loans as being on the REPAYE plan. I do not know whether this is because they do not actually have the right to my student debt, or because they are trying to collect more payments from me than my original plan requires. I have informed Nelnet as I have Great Lakes that I will consider switching to the new SAVE plan but have been abundantly clear that I do not want to do so until I can determine whether it is better than PAYE for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
The date of service was XX/XX/2022 place of service - XXXX XXXX XXXX physician - XXXX XXXXXXXX XXXX XXXXXXXX practitioner - XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX charges {$680.00} According to my insurance provider XXXX, the bill was paid in full. I owed XXXX XXXX 
they called and confirmed this now XXXX in XXXX of last year, in XXXX of last year they were told other charges were added and that was what I owed, my insurance provider requested a new bill be sent to them with all the addendums on it and they would take care of it. then today XXXX I received a collections bill from a collections company and this is now affecting my credit. 
Today they said they were missing information and would only deal with me when my insurance company called. I told them they should be dealing with the insurance company that was on the line, not myself. They said the insurance company pulled the paid {$680.00} back after the request for the new bill, which is why I was being charged today. 
The insurance company never received a new bill as requested the last two times when they spoke with a representative of this agency. They were still waiting for the bill with addendums so they could pay it when I received the same original bill again but now in collections. 
The billing company for this doctor said they said they would fix the bill and resend it to my insurance company just like the last 2x but could not take me out of collections they could only put a hold on it till it was resolved. I requested they take me out of collections because my insurance already paid this once and two the next part of this has nothing to do with me and this needs to be done the proper way through my insurance provider who paid in full the first time that they tried to double bill me. they refused and said they would talk to my insurance co and resend the bill and hung up. 

My insurance provider XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo N.A. has delayed the closing of my mortgage loan putting our {$20000.00} deposit in jeopardy constantly requesting conditions for which have already been provided multiple times. Their underwriter refuses to actually review the documentation provided but seeks to consistently return the file without resolution or completion of the conditions.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the past 6 months, we have received notifications from TIAA Bank that holds our adjustable mortgage, that our loan would expire on XXXX XXXX, XXXX. We have received notices dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In each notice, it clearly states the following : Rate Limit : your rate can not go higher than 8.00000 % over the life of the loan. Your periodic rate may change every 12 months by an increase of no more than 2.00000 % or a decrease of no more than 2.00000 %. 

Since we had an adjustable rate of 3 % and each letter clearly states the above information, we think it is logical that the rate can not increase more than 2 % every 12 months. 

Today ( XX/XX/XXXX ), we called TIAA bank, and they informed us that our new rate will adjust to 8 % on XXXX first from original 3 %. 

The friendly TIAA representative explained that the wording can be confusing, and we are not the first ones to question this. She also indicated that this was a problem of 'semantics '. She put us on hold for 5 minutes to pull our original loan documents from XXXX years ago. Over the phone, she read the document saying that the first rate reset can be no more than 5 % and thereafter no more than 2 %. We feel we are being misled by multiple letters from XXXX, XXXX, and XX/XX/XXXX where there is no mention that the first rate increase can be up to 5 %. We find this misleading and that the bank is trying to take advantage of its customers by not clearly spelling out the terms. 

It is also important to note that the bank is currently undergoing a merger with another institution, which may be why they are more concerned with semantics for the merger than their customers. Also, we received a letter from TIAA Bank on XX/XX/XXXX that the company was transitioning away from the LIBOR Index for our mortgage and that we would receive notification around XX/XX/XXXX with the new index to determine future interest rate. Nothing was ever sent to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

NamXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Credit Bureau : XXXX Account Name : XXXX ; Account number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: MT

Complaint narrative:
I have been consistently paying a minimum agreed upon amount since XXXX of 2022, recently myself and my brother ( who is also on the debt ) have been getting harassed by one particular agent ( I believe his name is XXXX ) even though the account is current. However, XXXX claims that no resolution has been made on this account and therefore he has the right to attempt to call us constantly to settle the debt. This includes frequent phone calls to both our personal phones and our PLACE OF WORK, being unprofessional and rude towards us, asking personal questions pertaining to our other finances not related to the debt owed ( such as why we cant pay more, what other payments do we make or why we cant afford to settle the debt ) as well as rudely hanging up when we asked to speak to a supervisor. 

Note : the account is under my maiden name-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I disputed this account with the XXXX XXXX XXXX  on XX/XX/23. This is not my account and I did not open the account. I am not responsible for paying the account balance. I had other information on my account that was fraudulent and was removed along with wrong name variations that I have never used. I can't understand what experian received that the other two agencies didn't that they decided not to remove the account. It is as if they didn't really investigate the account. I have never received any written or phone contact from this company regarding this account.

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 2023-07-10 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: NC

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
When my ( XXXX ) son died, the XXXX paid out his life insurance to his beneficiary ; me. I took 98 % of that money and bought this home ; the amount that I paid out was the cost of the home. But, I still had to pay : fees etc. so, I took out a small loan. Right after my son died, XXXX started, then I lost my XXXX benefits ( just got that back XX/XX/2023 ) then had to close down my small business. I applied for the Care Act Deferral Program through my mortgage company. That ended in XX/XX/2023. Since XXXX I have tried getting ahold of the person who has my loan file. At the end of XXXX I finally heard from her. They are trying to raise my monthly payment amount claiming taxes went up, but when I spoke to my local tax department, my mortgage company has never paid my taxes. They are over charging on interest and will end up getting x4 the amount at the end of my loan. They are saying that I have to pay all past payments, fees, etc in one lump sum in order to not be foreclosed on, yet under the terms of my federally funded loan, they are not supposed to do that and they are also not to charge any late fees etc if I was apart of the deferral program and I was. When calling their customer service line they are mean and play games like telling me the specific person who holds my file there doesnt work there and never has. I can keep going but I think this is long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
REGIONAL ACCEPTANCE CO XXXX you charge Off this account on my credit and I have never received a 1099 form with the account report in as a charge off to the IRS it should not be still reported on my credit report.. you have to send that out to me in you failed to do so in your report this charge off every month on my credit report as a charge off its been charged off my account almost a year ago and its still reporting every month as a charge off

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have written this company every month beginning XXXX XXXX XXXX  explaining to them that this account does not belong to me. I requested that they provide the original contract with my wet signature and date and terms ; but I have not received it as of this date-XXXX. I discover through research that they arent authorized to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following company is affecting my credit : PENN CREDIT CORP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NC

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my 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