vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: Nelnet, Inc.
State: RI

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** _XXXX XXXX DELAWA Reported : XXXX. XXXX, XXXX How can there be XXXX  XXXX   monthly payment on a closed account. Delete immediately. 
_XXXX - CARD SERVICE Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX  - CARD SERVICE Reported : XXXX. XXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is a fraud. Their investigation was a sham and did not correct my credit report. They fraudulently closed the investigation XX/XX/XXXX without accurate results that my XXXX XXXX balance was XXXX. When I called, all XXXX  answered the phone and could barely speak XXXX. In retaliation for complaining, they closed the dispute and refused to correct the report. The manager was arrogant and rude and not helpful.

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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A fraudulent charge for {$12.00} was placed on my Citibank Debit Card by XXXX. I did not provide XXXX with this card # or the corresponding XXXX  digit security code. According to Citibank it was Mastercard who defacto provided this information to XXXX. I was nether dually i formed by my Bank or Mastercard of an arrangement whereby my PII could be passed without my consent. Furthermore it was a new card number that I was given by Citibank that was used because the old number was recently stolen and used illegally. So I did not receive any notice by Citibank or Mastercard that they would or even legally could without my consent provide my my new number and security code to XXXX. I conceded to trying XXXX but I never provided them with direct access to my Debit card. They however by back door arrangement or agreement to which I was not party acted fraudulently by passing my Personally Identifying Information in the form of my Individual account number and Security code. If I was allowed to be in the room where hese backdoor deals happened I would utterly oppose unauthorized use of someone's PII ( including an assigned unique individual Accoint # ) without their consent.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
XXXXCredit cards*XXXX _XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX   monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXXXXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I contacted TransUnion as they want some inaccurate information on my credit report through XXXX XXXX  The name on the accounts when where in accurate as it was a different name to my name on on the account The two accounting in question where from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I contacted them but they would not discuss this with me as they could not discuss all the people 's personal details I told them that they have my step brother instead of me on the account as we both lift that the same address at different times his name is XXXX XXXX XXXX has he changed his name by XXXX when my dad married his mum I think this is led to confusion on some credits reports as my name is XXXX XXXX XXXX my step-brother how's it different date of birth to me so I don't know how this happened I told that to TransUnion but then refuse to believe it. I want this dispute resolved

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I turned a copy of my divorce degree into Synchrony Bank following a divorce. The decree stated the account was the responsibility of my ex and was to be paid off and closed. The account was paid off and a credit limit increase granted. I have attempted to contact Synchrony to close the CareCredit account. They could not locate the account. This prompted me to close all Synchrony accounts in my name. Synchrony stated that I do not have any open accounts so I disputed information on my credit report. Synchrony verified the account as open and active based on that dispute. I attempted to contact Synchrony again but they can't locate any open accounts based on my name, social security number or telephone number. Synchrony is acting inappropriately and outside the confines of the court order sent to them. My ex should no longer benefit from my credit or income. We were married a very short amount of time and have no kids or property in common. Please force Synchrony to cease and desist reporting accounts for which they can not confirm with me the supposed debtor.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
I lost my eip card and need a replacement card and want it cancelled the old one and sent to my new address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Subject property XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Current deeded use is condominium. Seeking under XXXX  XXXX XXXX loan document Note 1-4 family XXXX XXXX XXXX, ( attached ) notarized amendment document from XXXX XXXX approving change of deeded use to multi family. I agree to have XXXX XXXX take lien priority on the property. 

To be clear I have never missed a mortgage payment or had a lapse in insurance coverage on the subject property. 

My friend who is an attorney contacted XXXX XXXX for me in regard to this request. She spoke to XXXX XXXX Esq. who advised her that XXXX XXXX would agree to this request, and for her to contact XXXX XXXX Esq. at XXXX XXXX ( XXXX ), the current mortgage debt service company. She reached out to the contact at XXXX XXXX the same day via phone message and email. 

As of today, Attorney XXXX did not return the phone call or email. Not a surprise to me, since XXXX XXXX is a predatory debt collection company who I have had the unpleasant experience with ; particularly in regard to their annual " forced placed insurance '' threat and subsequent machinations one has to go through with them to " prove '' that there is a viable insurance policy on the property. 

One does not have to go far on your web site and XXXX  to see all of the complaints from numerous folks who have had the forced placed insurance scam put upon them by XXXX XXXX. Additionally, many people have lost their homes to foreclosure because of XXXX XXXX inability to follow through on loan modifications for people who are trying to save their homes. 

XXXX XXXX  holds the loan but refuses to take responsibility to assist their paying customers. Rather, they prefer to hide behind the predatory debt collection company to do their dirty work. It is a shame.

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 2020-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I tried to pay my mortgage online and was hit with these new terms and conditions regarding my online payments moving forward. I did not want to agree to these terms so I proceeding to skip this page and proceed with my payment. When I click " continue to next page '' it did not proceed to next page. I was blocked from making my mortgage payment unless I click the " agreed to terms '' box. I submitted 3 secure message emails to " Dovenmuehle Mortgage Inc '' who is servicing my mortgage, to please explain in detail including names, addresses, phone numbers, email address etc, who is " THE LENDER ''. I Indicated in my email, NO PHONE CALLS, please respond via email to my request. This company won't respond to my request by secure email. Please read terms below : PLEASE RETAIN THIS PAGE FOR YOUR RECORDS AUTHORIZATION AGREEMENT FOR A ONE-TIME DRAFT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX I ( we ) hereby authorize XXXX XXXX XXXX XXXX XXXX and its successors, assigns, authorized agents including Dovenmuehle Mortgage , Inc. or any entity servicing my loan on their behalf ( hereinafter called THE LENDER ) as I indicate on the next screen to initiate a mortgage payment debit to my ( our ) indicated Checking or Savings Account, and debit the depository named for the indicated account. 

I ( we ) understand that if any debit entries under this authorization are returned for insufficient funds or otherwise dishonored, I ( we ) will promptly send THE LENDER the total payment due, plus any late charge ( s ) or other fees due under my mortgage. 
I ( we ) authorize THE LENDER to electronically credit my ( our ) account if necessary, to correct erroneous debits. 
I ( we ) agree that ACH transactions I ( we ) authorize comply with federal law. 
I understand if my payment is returned by my bank, I may be charged a fee. 
This authorization is to remain in full force and effect until THE LENDER has received written notification from me ( us ) of its termination in such time and such manner as to afford THE LENDER a reasonable opportunity to act upon it. THE LENDER may terminate this agreement at any time, with written notice sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Account Control Technology, Inc.
State: NY

Complaint narrative:
ACT and I agreed on a settlement offer on an account to pay 50 % of an account and for that to be accepted as full payment. I have attached the letter that ACT sent to me with the offer terms. I made that payment over the phone following receiving a written commitment from the ACT. On the phone, the person I spoke to confirmed that the payment would be accepted as a settlement. 
However, Account Control Technologies has been reporting incorrect information to the credit bureau for the last two months and as such has been violating my consumer rights. When made aware of this when I filed a dispute with the credit bureaus, account control technologies doubled down on this infringement of my rights and DECLINED to fix the information that they are reporting incorrectly, and falsely claimed that the information reported was accurate. I have attached the results from XXXX where ACT falsely states that the amount being owed is correct I am demanding the ACT swiftly correct all information being reporting to the credit bureaus including the following : Account type change from open to closed Balance change from {$3000.00} to XXXX Past Due change from {$3000.00} to XXXX This account is paid and full based on the terms in the letter attached bearing account control technology logo and address. As such this company needs to fix my credit report with all credit reporting agencies immediately.

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 2020-07-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Recovery Solutions, LLC
State: MO

Complaint narrative:
I was a cosigner for my Son 's student loans for which went to a collection agency. I had an agreement with Asset Recovery to pay a specific amount and they would fully release me from any obligations of the loans. I did pay the agreed upon amount and the accounts are still reporting on my credit file with a balance. Again the agreement was to waive me from any financial obligations and they should have been removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/2020 LVNV Funding reported an account for collections to the credit reporting bureaus and damaged my credit, by not utilizing lawful practices. ( LVNV Funding XXXX. XXXX XXXX XXXX, SC. XXXX ). Original creditor is listed as XXXX XXXX XXXX. Balance due listed as {$700.00}. In Fair Credit Reporting, I received no communication from this company prior to this being reported on my credit. There was Never a Debt Validation Letter sent to me at my current address, prior to this account being reported on my credit report. Rather, this company knowingly reported this as a collection account first to the credit bureaus, damaging my credit, and then followed their reporting up on XX/XX/2020 with a payment request letter from LVNV Funding, at my current address, requesting payment in the amount of {$700.00}, original creditor listed as XXXX XXXX XXXX. Fair credit reporting was disregarded as this company knowingly reported this as a collection account on my credit report first, without providing me with a Debt Validation Letter and the 30 days to respond, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Around XX/XX/2020 im notified at Santander Consumer wants me to pay them for my car payment. Remind you i was with Gateway One Lending and Finance. I wad never informed of the switched i was just told i need to submit payment to this new company. Only to find out they was in a lawsuit for adding unauthorized fees to peoples account. So now im looking at them sketchy and i dont trust Santander Consumer.

Company response to consumer: Closed with explanation