vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt, requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement.

Verification of your claim against XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both NEL NET AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above documentation for my personal records. Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE FOR XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



IT IS IDENTITY THEFT BECAUSE ACCORDING TO FERPA US DEPT EDUCATION AGREED TO NEVER SHARE MY PERSONAL INFORMATION IN WHICH SOMEHOW NEL NET GOT IT WITHOUT MY CONSENT OR PERMISSION. NOTES HAVE BEEN SECURITIZED WITHOUT ME RECEIVING MY SHARES. I REQUESTED MPN AND ALL LOAN DISCLOSURES VIA CERTIFAL MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX. INDENTURED TRUSTEE FOR NEL NET IS LIABLE AND REPSONSIBLE FOR THE FRAUD THAT IS OCCURING AND HAS BEEN NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: NCB Management Services Inc.
State: VA

Complaint narrative:
This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 

This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. 


I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. 

Collection account from NCB MANAGEMENT SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like to file a complaint because a bankruptcy is showing on my consumer report. 
The United States Bankruptcy Court does not furnish, provide, or sell information to 3rd parties like credit reporting agencies. This information was obtained from XXXX XXXX who gets information from Pacer.Gov which is public access to electronic court records. XXXX XXXX is a for profit company, and sells consumers information to the consumer reporting agencies. My social security number is not a public record, and if I did not report it, and the United States Bankruptcy court did not report it, then an account was created on my behalf, without my consent, and that is identity theft. 15 US CODE 1681B Permissable purpose of consumer reports ( a ) ( 2 ) of this law states that any consumer reporting agency may furnish a consumer report under following circumstances and, no other In accordance, with the written instruction of the consumer to whom it relates to. Permissable purpose equals written instruction, without permissable purpose is identity theft.

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 2023-09-03 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: Kikoff Inc.
State: VA

Complaint narrative:
This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. 


I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

KIKOFF LENDING LLC Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. 

Collection account from XXXX XXXX SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX I was just looking over my credit report and founf some adress in accounts that appear to be incorrect and not associated with me. I ENCLOSED DOCUMENTATION PROVIDING PROOF OF MY CURRENT ADDRESS, AS INSTRUCTED TO DO ON YOUR WEBSITE. TO MAKE YOUR PROCESS OF DELETION EASIER HERE IS A LIST OF OF INCORRECT ADDRESSES XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX I WOULD LIKE REMOVED ALL XXXX XXXX XXXX  ACCT NUMBER XXXX IS NOT ASSOCIATED WITH ME XXXX UNDER 15 U.S. CODE 1681E ( B ) (, B ) ACCURACY XXXX REPORT IT SHALL FOLLOW REASONABLE PROCCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUSL ABOUT WHOM THE REPORT RELATES. 
I KNOW THAT UNDER 15 US CODE 1681 I ( 5 ) TREAMENT OF INACCURATE OR UNVERIFIABLE INFIRMATION ( A ) IN GENERAL

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 2023-09-03 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX I was just looking over my credit report and founf some adress in accounts that appear to be incorrect and not associated with me. I ENCLOSED DOCUMENTATION PROVIDING PROOF OF MY CURRENT ADDRESS, AS INSTRUCTED TO DO ON YOUR WEBSITE. TO MAKE YOUR PROCESS OF DELETION EASIER HERE IS A LIST OF OF INCORRECT ADDRESSES XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX I WOULD LIKE REMOVED ALL XXXX XXXX XXXX  ACCT NUMBER XXXX IS NOT ASSOCIATED WITH ME XXXX UNDER 15 U.S. CODE 1681E ( B ) (, B ) ACCURACY XXXX REPORT IT SHALL FOLLOW REASONABLE PROCCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUSL ABOUT WHOM THE REPORT RELATES. 
I KNOW THAT UNDER 15 US CODE 1681 I ( 5 ) TREAMENT OF INACCURATE OR UNVERIFIABLE INFIRMATION ( A ) IN GENERAL

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX XXXXXXXXXXXX XXXX XXXXXXXX, account # XXXX ; XXXX XXXXXXXX XXXXXXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX. XXXXXXXX XXXX  XXXX, account # XXXX ; XXXX XXXX XXXXXXXX account # XXXX, and XXXX. XXXX XXXX account # XXXX.

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 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello and thank you for helping, I wanted to please connect because an agent made a mistake during the dispute process and now those charges are back I lost my card and it was charged twice at XXXX for {$900.00}. 

Discover did not alert me of this charge nor did it trigger their fraud alerts when these XXXX ( XXXX ) transactions were not only large but doubled. 

I contacted Discover and reported those charges fraudulent. 

The agent ended up highlighting every single transaction on my account history, saying that it was fraudulent. 

This resulted in everything, being a reverse the back of me, now being a responsible for more than what I owe. 

I told the agent the transactions from XXXX were fraudulent yet Im still being charged for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I currently hold a mortgage loan through Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX I was had automatic payments setup for twice a month. For the month of XXXX partial payment was taken out of my account and added to my mortgage account on XX/XX/14 {$540.00}. I cancelled the next auto draft because I was changing banks. Instead of Wells Fargo applying the partial payment to my mortgage, refunded it to my account or allowing me to pay the remainder {$540.00} Wells Fargo instead applied the payment to late fees without my consent, without my authorization. Those funds that were taken out of my account was strictly for principal, interest and escrow not any late/outstanding fees.

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 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am trying to qualify for a loan and I need a copy of the most recent statement for my Synchrony Bank Amazon Prime Credit Card Account. The statement cutoff time was XX/XX/XXXX, and today is XX/XX/XXXX but this statement is not on their website. I called in and spoke to " XXXX '' who is in XXXX around XXXX Arizona XXXX on Saturday XX/XX/XXXX who said she would " put in the request '' to send me a copy of the most recent statement but they would not be able to mail out until XX/XX/XXXX. I need the statement right now. I have never received a paper statement from Synchrony Bank XXXX XXXX regarding their credit card account. I asked to speak to a supervisor, XXXX said ok one moment and she would transfer me. She put me on hold, and as I expected they would do, they hung up on me. I feel like Synchrony Bank ( which literally has a XXXX out of XXXX stars rating online ) is being obsure and opaque with sharing my own account information. They are reporting this information on my credit report but refusing to provide me ( or any customers ) with documentation regarding their credit card account. I believe this is in violation of Federal laws including the Truth in Lending Act, the CARD act of 2009 and the Fair Credit Reporting Act. I want Synchrony Bank Amazon Prime to send me my most recently immediately and not hang up on me or refuse to help me. They should not be allowed to have credit card business in the United States if they are not willing to comply with the laws that protect consumers. 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 explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My title was paid off last XXXX. I requested that it was sent to my parents address on XXXX XXXX in XXXX, XXXX Capital One never sent anything. I was unable to get into my online account. I recently purchased a new vehicle because my last one had mechanical issues. Capital One claims to have sent a document I can take to the DMV. I still dont have my title or that document. I can not complete my transaction for my new vehicle until I get that title to the dealer. They breached the contract and violated the law. I paid all of my vehicle payments and I am entitled to a timely copy of my title documents. One year should be enough time for them to get my title sent to me. Moreover, the burden and payments for getting a replacement title should not be on me, as it was not my responsibility for getting these documents. The finance company should not be able to shift their breach of contract onto the postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Warranty have expired overpayment wanted to trade in my car identification stolen car false statements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX at around XXXX XXXX I went to XXXX Carolinas State Employees Credit XXXX XXXX XXXX ATM at their branch on XXXX XXXX XXXX XXXX XXXX, NC to make a cash deposit with my checking account debit card ending in XXXX. I was in the passenger seat of a white XXXX a XXXX XXXX Traverse to be exact and there was a red SUV behind us waiting to use the atm my mother was driving and she done the transaction since she was closer to the ATM everything was going fine like normal until she put my cash in the cash deposit spot it acts like it's counting the money and says it's processing but it's taking a while then it says sorry we are unable to process your transaction so the cash deposit on the ATM Jammed up it was around $ XXXX {$150.00} I was trying to deposit everything that's jammed in the cash deposit spot on the ATM is mine. It did not deposit it into my checking account like it was supposed to and it did not give me my cash back. That was my bill money what am I supposed to tell the light company that I'm waiting on the credit union to deposit the funds they stole from me they do not want to hear that. Please help me I filed a dispute but they are not taking it seriously I feel as though I've been robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I have a few fraudulent accounts appearing on my credit report. 
XXXX. I C System XXXX {$470.00} XXXX. XXXX XXXX XXXX {$28000.00} XXXX. XXXX Na {$7800.00} XXXX. XXXX Na {$10000.00} XXXX. SST/Medallion {$17000.00}

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 2023-09-03 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: GA

Complaint narrative:
Disputed the fraudulent inaccurate accounts multiple times with supporting documents and they still refuse to investigate or give writing information on how they came up with their verified information with supporting documents. So I advised them with the FCRA 611-15USC 1681i LAW. Demanding proof or deletion 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 2023-09-03 00:00:00
Product: Credit reporting 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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, Equifax who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX LATE PAYMENT IN 2022. The Remarks. Amount past due {$270.00} XXXX XXXX XXXX  PAYMENT IS INACCURATE 60 days late Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not XXXX. Equifax the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I sent dispute letters to XXXX, XXXX, and XXXX for Midland Credit Management, they were delivered on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX In XXXX I was served paperwork stating I owed allegedl debt and I have a court date for XXXX XXXX XXXX. I was confused on how Midland was serving me on alleged debt that I never signed an original contract with and how did they get my address, I never had contact with anyone. I also assumed the court date was fraudulent because me and my partner tried to case search myself and no trial date appeared and then oXXXX XXXX XXXX XXXX XXXXXXXX deleted Midland of my credit report. I received a letter in the mail from the court house saying there is a judgment against me from Midand on XX/XX/ but I still havent received a original contract that I signed with them.

Company response to consumer: Closed with explanation