vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the day XX/XX/02 i was trying to make a withdrawal with my bank account from XXXX in a Chase bank. The amount that i tried to withdraw {$400.00}. The ATM did not give me my money and it said that i needed to call them about it. I tried one more time thinking that my money was still in my bank account. It gave me a receipt saying that I didnt have founds. 
Called Chase customer service and nobody gave me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
This company ( NAVIENT ) calls everyday, multiple times a day from MANY different numbers. 

They have contacted third-party persons that have no affiliation with the financials of the loan. I have asked that they do not contact anyone that was not financially responsible for the loan. They have up-to-date contact information and do not need to contact anyone else. 

They have failed to stop contacting the third party persons, after I stated they were told not to contact anyone. They also contact third-party persons looking for looking other third-party persons. 

I have told them on numerous occasions my inability to pay and that the options they provide are not something I can peruse. They constantly talk over me when I am trying to explain when it does not align with their goals for the conversation. Very condescending and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The US dept. of education lender Nelnet, incorrectly handled my loan and then claimed I was in Delinquency of payments.

I placed my loan in forbidden due to financial difficulties in 2019, and at some point Nelnet lifted this forbidden without my knowledge and with no notifications. I was unaware that payments were due and received no notifications at any time until I received delinquency notices by mail. They marked 16 separate loan accounts as delinquent even though I only have XXXX XXXX  account with them. I then payed the amounts owed and requested the forbiddency again as well asked for the credit delinquency reports to be removed. 
After several letters sent to Nelnet they refused to adjust my credit on the reason of " refusal of goodwill '', Although I was not requesting goodwill I was requesting for them to correct their error. 
Nelnet has erroneously changed my loan status without my knowledge, and placed my account and credit into a delinquency status which still affects my life to this day, leaving me unable to secure home loans and additional credit. Documentation will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
CBE Group keeps calling multiple times a day, several days a week. I am a teacher and am working when they call so I can't answer my phone. They never leave a message. I did research what company this is and see they are a debt collector. I do not have any unpaid debts nor have I received any collections notices in the mail or via email. 
I want the calls to stop. If they really needed to get in contact with me, they should leave a message on my voice mail, which is not full, or send me an email or letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
The original creditor of this credit card debt was XXXX XXXX Bank. The debt was charged off and sold to various debt collection agencies, most recently LVNV Funding, who has outsourced the collection of this account to XXXX XXXX XXXX XXXX XXXX XXXX. I received a notice from XXXX XXXX XXXX in XX/XX/2022 that stated the debt would be removed from my credit file by LVNV Funding, their client, if I satisfied the debt in full for {$610.00}. I paid the {$610.00} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed XXXX XXXX XXXX for an update on receiving the debt satisfaction letter and asked when LVNV Funding, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if LVNV Funding -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that LVNV Funding could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for XXXX XXXX XXXX, again, asking whether or not their client and the owner of this debt, LVNV Funding, has or would receive notice that I had paid the debt in full directly to XXXX XXXX XXXX. As of this complaint, no one has responded to my e-mails. I am concerned that XXXX XXXX XXXX are a fraudulent organization who has collected my {$610.00} and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One charged a late fee for a credit card that the payment was not late. When I look online it shows the fee. When I called the customer service they said that there was not actually a fee even though it shows up on their system. When I asked for them to send me a letter or proof that there was not a late fee, they could not produce a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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:
XXXX XXXX XXXX  XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX Fraudulent account was deleted by XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General Equifax and XXXX for not deleting these account. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. 15 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I applied for an Income Based Repayment ( IBR ) plan on XX/XX/2022. I still have no response. I contacted student financial aid about this on XX/XX/2022. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX / XXXX / {$260.00} XXXX XXXX / XXXX / {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
As noted in the attached, I do not owe this debt. This information was sent to the company. My XXXX was extremely uncooperative when I tried explaining my case. He refused to allow me to speak to a manager in an attempt to resolve the discrepancy. 
I immediately sent an email to the company and proof documentation. 

I sent this communication to the company on XXXX, but I didn't get a response from them. They, however, placed this item as a collection on my report today XXXX- which is now harming my ability to get a mortgage account. 

Email to Pro Collect. 

Company Name : ProCollect Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Hi XXXX XXXX, This is XXXX XXXX, and Im contacting you regarding account XXXX. We spoke earlier. Please see attached proof that I do not owe the debt indicated in this statement. 

As noted on the statement from XXXX XXXX, it states that I owed XXXX for an Earlier Termination Fee - dated XX/XX/20 As noted in the receipt from XXXX XXXX, I bought out the lease on XX/XX/20 per the signed managers signature. 

I have also attached my paid money order receipt which is dated XX/XX/20. 

I know you didnt believe me when speaking to you earlier, and you were clearly unwilling to help me by allowing me to speak with a manager. 

Im also prepared to send you a copy of my credit report to show you that this is not on my credit profile as of todays date. 

Please note that Im also exploring my legal option. I do not owe the debt indicated and noted in my statement. 

I am formally requesting that you suspend your collection efforts.

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 2022-02-03 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: IL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: IL

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-03 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: College Foundation, Inc.
State: NC

Complaint narrative:
I am an identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: GUARANTEED RATE INC.
State: MN

Complaint narrative:
Guarantee Rate : Regarding Loan # XXXX I called your customer service department on XX/XX/XXXX and spoke with customer service rep XXXX, who recommend me sending a e-mail response. She also put in a request to review this matter. 

I am writing to ask you to removed the credit delinquency hit on my credit score for the month of XX/XX/XXXX. 

In XX/XX/XXXX, I was no longer safe in my home on XXXX XXXX XXXX XXXX XXXX MN XXXX because of my husband XXXX  use disorder. I contacted law enforcement to have him removed from the home, but since we were married they could not assist me. He refused to leave the home and refused to pay the mortgage. I immediately filed for a divorce, and I had no other choice but to leave the property and move into a rental because I had no family to stay with. I am XXXX generation only child and all of my immediate family is deceased. 

I kept you informed of this situation as much as possible. I was granted a divorce by XXXX XXXX Courts on XX/XX/XXXX and quickly put house for sale. 

The house was sold on XX/XX/XXXX where you received full loan payment, and we avoided a foreclosure proceedings. Because of this situation my credit score has take significant hit, making it impossible for me to be pre-approved for another mortgage and forcing me to live in a sub-standard apartment. 

I am asking sincerely for you to remove the credit delinquency hit on my credit score for the month of XX/XX/XXXX, since you received complete payoff of the loan on XX/XX/XXXX. 

I have attached for your records a copy of the satisfaction of pay off of loan you sent me for your reference. 

These XXXX missed mortgage payment is the only thing on my credit report preventing me from being able to buy another home, and prior to this situation I had excellent credit history. 

Please let me know if you would like to see any additional information regarding my divorce proceeding and the timing of this situation. 

I am hoping we can work out a solution quickly that can improve my credit score immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus Equifax, XXXX and XXXX to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ).

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX This something i have no idea what it is and why its on my report. I want proof of who they are to make sure theyre not some random bill thats from anywhere due to fraud. I never received anything from the company or who they are.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
Upstart had filed a suit against myself. We were able to settle outside of court. We have paid them their full ask and we were told we would not be sent a 1099 on the amount of forgiven debt. We did receive a 1099 and I called to find out why we received it when we were told we wouldn't and how the amount was calculated. 

They did not give me any details and they said lawfully they did not need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX / XXXX / {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / XXXX / {$500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a home equity line of credit with Bank of America. I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.

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