vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I made a call when I was struggling to make my monthly student loan payments about possible repayment options. They told me that if purposely missed my scheduled payment someone from their " hardship '' department would reach out to me within a few days to talk about repayment options. I did this and waited a few days and did not hear from any such department so I called again and was told that their hardship department was actually collections and there are no repayment options. I was completely mislead to believe that if I didn't make my scheduled payment a department would reach out to me directly about repayment options. I am still struggling to make payments and have received little to no help from the loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I advised professional bureau of collections maryland ... that I never received a notification ... they reported on my credit report on XX/XX/XXXX ... the account was received by them for collections in XX/XX/XXXX ... asked when notification was sent they said via email ... to some unknown email address that's not mine ... they continued to text and call me ..even after advised..they never sent me a validation if debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Company has violated FCRA reporting multiple late payments of 120 days on accounts. Company has also disregarded numerous disputes of erroneous and inaccurately reporting items on my report. This company has had over 30 days to investigate which an additional 15 days to furnish their evidence they have not responded to the dispute I demand the comply with Fair Credit Reporting Act and remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Tranuoin agent will not help with remove inquiries

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We have had a problem with Wellsfargo since they took over Wachovia Bank XXXX of XXXX. Prior to XXXX and afterward, we have never been late with our monthly payments. Wellsfargo Collection Department sends us late Statements saying that we paid late, despite that we paid every month on or before the XXXX of the XXXX, when payment was due on the XXXX of the XXXX. Our Mortgage reached maturity on the XXXX of XX/XX/XXXX, and but the Collection Company has an account that says that we old more than {$7000.00}, when they actually owes the money to us, because they put insurance on our account when we were insured already. We reported the Insurance Fraud to the Attorney General of Georgia and Alabama in XXXX! The staff at their Insurance office in XXXX, Georgia promised to reimbursed us, but to date, they have not done so! 
We submitted a complaint to the Corporate Office President in XXXX of XXXX, which led to them closing out the Account, and stated that we had a XXXX balance, but their Collection Department ignored the balance due, and claimed that we owed their fraudulent balance! XX/XX/XXXX, we attempted to make the payment we calculated we owed, but the Wellsfargo Bank in XXXX, Alabama, stated that our Mortgage account had been closed, and wouldn't take our payment, because their systems says that we didn't owe anymore money on the account! We purchased a Cashier Check in the amount of {$2100.00}, and sent it to Wellsfargo XXXX XXXX XXXX XXXX, Georgia, but there seems to be several different Collections Agencies seeking money from us!

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 2021-06-22 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I paid a collection from LVNV funding and it is still not showing as paid on my credit report. I have the receipt showing paid and have even tried disputing it with the credit bureaus but have had no success in getting it reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
As a result of the pandemic, the servicer XXXX Mortgage provided a XXXX month deferment, and then transferred the account to SN Servicing at the end of the deferment period. Despite being unemployed and ill, I tried to bring the loan current. SN Servicing 's proposed loan modification required me to pay {$1200.00} per month for 5 years, up from {$790.00} per month. I declined the offer because of the high possibility of something going wrong for a house built in XXXX with maintenance requirements. As of now, I have paid more than {$4000.00} in catch up payments. A statement claimed that the investor would lock my online account because of the small payments I've been making and wants me to pay a lump sum in order to bring the account current. Prior to a personal matter I had stated I would attempt to bring the account current by XX/XX/XXXX, but a relative had to step in and make the small payments of {$660.00} and {$150.00}. I feel that SN Servicing, which handles distressed loans, has threatened me for defaulting on the loan despite paying off more than XXXX of the past due amount in less than two months. Rather than losing my home, I do not wish to feel emotionally disempowered because I am threatened with a loan I am very close to bringing current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit report.

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 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

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 2021-06-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

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 2021-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: NY

Complaint narrative:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ; the permissible purpose of consumer reports to any consumer reporting agency may furnish a consumer reports under following circumstances in accordance with the written instructions of the consumer to whom it relates. 

I consumer XXXX never gave EQUIFAX, XXXX, AND XXXX any written consent to report anything on my consumer report. If you have my written consent to furnish my information, please show me proof of such written instructions from me, the consumer! EQUIFAX, XXXX, AND XXXX  are just an elaborate mechanism defined pursuant to 15 U.S. Code 1681 ( 2 ) ( 3 ). No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Ive never had a XXXX. This is do to identity theft which i have been fighting and correcting over the past years. The amount is $ XXXX which is a phone bill ive never had me in life with XXXX which who i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TSALTA FINANCIAL COMPANY, LLC
State: MD

Complaint narrative:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been under forbearance plan for the past 15 months due Covid-19 situation with my loan servicing company " XXXX XXXX XXXX ''. 
I told them I can resume my regular monthly mortgage payments beginning XXXX, XXXX. They already declined my loan modification application ( they say it was modified in 2018 and it was only once in a life time deal ) and refused " deferral option ''. Now they are demanding I pay at least one year lump sum payment or my home be foreclosed. I just came out of Covid 19 economic hardship situation and do not have such a lump sum amount. 
I have never been late on my mortgage payments since 2018 and have over XXXX credit score. 
I tried refinancing but because I have been under forbearance, all banks I applied refused. I have over 60 % equity on my home now. 
My mortgage is not federally backed, I think.

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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was given a promotion in writing for {$75.00} credit if I spent {$500.00}. The credit card is refusing to honor the promotion. Additionally, they are intentionally delaying the posting of the credit to incur interest on the balance.

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THERE ARE TWO HARD INQUIRIES THAT I DID NOT APPROVE OF WITH THESE COMPANIES ON THESE DATES. 

XX/XX/2019 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2019 EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company has violated FCRA reporting multiple late payments of 120 days on accounts. Company has also disregarded numerous disputes of erroneous and inaccurately reporting items on my report. This company has had over 30 days to investigate which an additional 15 days to furnish their evidence they have not responded to the dispute I demand the comply with Fair Credit Reporting Act and remove these items.

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 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
on XX/XX/2021. Midland Funding increased my debt by {$580.00} without notice or to reach out to me. I have called previously last year and gave them my address and they have never sent anything to my correct address. now I am calling them because I saw the increase on the debt and wanted to try to work a payment plan. but they stated that they have contacted my employer to do wage garnishments without even notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/21, I electronically field a disputes to the credit reporting agencies regarding inaccuracy and incompleteness of my record files reported by XXXX/Stride Bank. In response to my dispute, the CRA 's electronically sent a complete copy of my record file to Chime and codified the inaccuracies and incompleteness of the information. Besides the codified dispute, Chime also received a free-form text description of the information that needed to be corrected or updated as provided to me in the electronic dispute. Upon receipt of the disputes, Chime violated 15 U.S. Code section 1681s2 ( b ) by failing to review all relevant information provided, failing to modify the information reported, and failing to report the results of the investigation to results to all other consumer reporting agencies. Upon receipt of the results of the investigations and the resultantly updated reports, on XX/XX/21, I contacted the Furnisher of Information and advised that the certifications of the accuracy and completeness of the information were in error and their updated file records included nearly 30 errors combined as shown in this complaint 's annotated attachment. On XX/XX/21, I received an email from Chime that my dispute had been processed. As you can see from the attachment, errors still exist on all three reports. Either Chime deliberately misreported information known to be inaccurate or incomplete and therefore violated 15 U.S. Code section 1681s2 ( a ) ( 1 ), or all three CRA 's simultaneously misreported the information and Chime failed to establish reasonable policies and procedures for implementing the guidelines for how to ensure the information they furnish the CRA 's is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine

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 2021-06-22 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:
I'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
A man by XXXX XXXX emailed me form this e-mail ( XXXX ) Dear Customer, This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter. 

Just in case we do not hear back from you within 48 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 

For any queries feel free to revert back. 

Manager Legal Department Collection Department Speedy Cash This is the initial email. I then replied that I have no such debt for I have not gotten a loan from the above company " Speedy Cash. '' And they continued to respond with a claim of a payday loan I never got or recieved. 

Dear Customer, We are representing Speedy Cash A Parental payday Loan company which owns and operates more than 350 online cash websites. 

Loan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time Settlement Offer : 1 : {$500.00} ( if paid Today ). 

2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections. 

2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.

4 : References Will Be Informed.

5 : A Day in Court. 

6 : Garnishment of Your Paycheck.

Mode of Payment ( If Settling Out Of Court Using One Time Settlement Offer ) : 1. XXXX XXXX XXXX XXXX Debit Card. 




Let us know whether you opt for one time settlement or payment arrangement for the whole amount so that the account can be updated. 

Since this loan account is very past due so we would appreciate it if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. 

For any queries or concerns, you can contact us. 

Regards. 

Manager. 

Speedy Cash. 

I then repeated that I have no loan of they type.

Company response to consumer: Closed with explanation