vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I spoke with a supervisor XXXX XXXX XXXX at XXXX disputes. He informed me that they ( XXXX ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore SPS whom are not reporting to the three major credit bureaus XXXX, XXXX, and XXXX my on time payments made. I recently sent in to XXXX official payment history from SPS Select Portfolio Servicing my payment history. Moreover, I have been current all of 2023 to date by their own ( SPS ) documentation. XXXX makes the claim that SPS verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with XXXX. XXXX would not tell me why my score was dinged. However, I believe it was the doubling down by SPS which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as XXXX, and XXXX did inform SPS they are required to investigate my dispute and then update the reporting so that its accurate. An XXXX dispute in which SPS is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from SPS that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to SPS, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By SPS failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by SPS as delinquent is not the same as a bankruptcy and inaccurate. SPS reports that the loan is closed which is improper if not illegal. Overall, SPS is denying me the benefit of timely made payments to XXXX, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
Per letter received, dated XX/XX/23, I am due a refund of {$3800.00}. It was stated in this letter that I would receive the refund approximately 60-90 days from the date of the letter. As of today, over 150 days since the date of the letter, I have not received the refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received a notification from my credit monitoring stating that a new collection account was added to my credit reports. On XX/XX/XXXX, I sent a certified letter to the company, but they completing ignored me. On XX/XX/XXXX, I sent a follow up certified letter to the company, again they have completely ignored me, and continues to report this unverifiable and unvalidated debt on my credit reports. 
I am demanding that they close this account in their office and remove it from my credit reports as it is severely damaging my credit and my integrity. It also has gotten me denied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened a collection of {$47000.00} to my credit account, I do not owe with XXXX XXXX XXXX  and XXXX XXXX XXXX was asking for information that was impossible for me to attain to dispute the account ( I needed proof of utilities payment in my name during a period of time I was living as a dependent under my parents ). XXXX verified false information that XXXX XXXX XXXX used to open the collections on my report and subsequently updated my credit report with that false information. At the time, I was trying to achieve a personal loan to help re-instate my parents ' mortgage they inherited from my recently passed grandparents to prevent their foreclosure. I can not find a loan anywhere due to the impact the fraud has had on my credit score.

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 2024-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
At the end of XXXX, I called freedom mortgage and informed then that I need it a 90 day forbearance because i was in the process of retirement from the federal government. 

Since then I provided all documents that they are requested but every time we speak with a customer service representative seems that each one of them have a different requirement for the request.

At this point they went to danage my credit and added fees stating that they will continue to do so until the protection get approved.

In oder word the going to hold it the most the can to add more 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 explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo, their way of doing business, and their mismanagement of customers monies in which they have been trusted with. This complaint will have specific focus on two fraudulent transactions in which Wells Fargo allowed, which was after XXXX replaced {$4000.00} on XX/XX/24. The {$4000.00} which replaced a {$3000.00} and {$1000.00} fraudulent transaction which they allowed. However, the total amount of fraudulent transactions allowed by XXXX is {$8800.00}. Specific details as follows : XX/XX/24 : Credit of {$4000.00} ( for ( XXXX ) fraudulent transactions ). Recurring Payment authorized on XX/XX/24 .Afterpay {$12.00} ( this was fraudulent and I did not authorize, and this needs to be replaced ). 

XX/XX/24 : XXXX authorized on XX/XX/24 to XXXX XXXX XXXX  ( I did not authorize this. I do no business with XXXX XXXX XXXX, and this needs to be replaced by XXXX. {$44.00}. )

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 monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/year>. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I would like to have t JPMCB CARD HARD INQUIRY removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/2024. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I would like to have t XXXX XXXX XXXX XXXX removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im having a hard time getting you all to see what Im dealing with in regards to my credit report through equifax. 

So XXXX just pulled my 3 major reports and on that report you see accounts dated XX/XX/XXXX that do not reflect anywhere on my equifax report with you all. 

Example XXXX appears on the equifax report pulled by XXXX with a delinquency dated XX/XX/XXXX XXXXXXXX XXXX  appears on the equifax report pulled from XXXX dated XX/XX/XXXX with a {$2500.00} credit line 29 total hard inquiries show up on tbe equifax report dated XX/XX/XXXX pulled from XXXX Then previously dating XX/XX/XXXX & XX/XX/XXXX I had 3 in 1 report pulled and all this was showing up dating back then to which I submitted a complaint on here bringing it to your attention tbat 26 hard inquired were appearing back on those and at that time I believe roughly 3-4 hard inquiries were on my report directly from you all.

This next part I understand you dont have control over my actual score but Im sharing this cause per that report sourced directly from Equifax it detects most delinquencies dating just two months ago. And it detects an account portfillo recovery with 120 days delinquency reported on it as well. 

So this is a major issues information coming from Equifax when pulled through a lender which Ive had adverse action letter prior for things I applied for that it obtained my credit directly from you all and was confused by what it mentioned so its not just 3rd party source proving information like this but actual reporting agencies such as XXXX is providing the same data coming from you all on me. So all this started roughly XX/XX/XXXX I noticed my actual reports directly from you all would show one thing yet equifax.com would report widely different things. Ive brought that to your attention through disputes etc. okay it would be fixed but the actual source of the issue clearly wasnt addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I requested an IDR plan ( Saving on a valuable Education ) in XX/XX/XXXX. I was under the understanding that my account was to be put in an administrative forbearance until my loans were approved for the XXXX plan. I was given misinformation. I realized on the same day that the forbearance request that was submitted by the customer service rep was incorrect and was not what I wanted after speaking with my wife. So, I called back on the same evening to inform them I that I only want an administrative forbearance to cover the period until the Saving on a valuable Education got approved. I was assured on that phone call that the one-year forbearance request would be canceled and the administrative forbearance for XXXX until the approval of XXXX would be applied to my account. Instead, my account was approved for a XXXX forbearance on XX/XX/XXXX that ends in XX/XX/XXXX. 

I have called back numerous times to try to get this corrected. Each time I call, I have been assured that this will be taken care and would be expeditated. As of today, I am still waiting my loan balance is continuing to rise with interest charges. I am not working my XXXX plan was to start on XX/XX/XXXX, with zero payments and no interest being added to my loan balance. This has truly been a nightmare for me. Here are some of the dates that I called concerning this matter : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the most recent call was on XX/XX/XXXX. There were so many other calls that were made between XXXX and today. 

I would like to have this matter resolved asap. I feel that on so many occasions the ball has been dropped. I have spoken with several of supervisors also who has assured me not to worry that things are being expeditated. But yet and still it's been almost two months and still nothing, no activity, no updates to my account, just the loan balances just keep rising higher and higher. Please help me resolve this, because I have been under tremendous stress over this, and I am still under tremendous stress and is now at the point of XXXX and feeling hopeless of ever getting this resolved. My loan servicer is Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and anxiety due to the fact that it taints my character as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and anxiety due to the fact that it taints my character as a consumer.

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 2024-03-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Made two payments to Cerulean Card Services ( Continental Finance ) that did not go through. I had the funds in my account and my banking and routing numbers were correct. They closed my card and placed a late payment on my credit report. I spoke with my bank and they have confirmed no transfers were made in that time period, let alone to Cerulean. I was able to make a payment over the phone via debit.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation