vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received an escrow analysis for my city property tax. The numbers do not match what the city is providing me. I called Mr.cooper and they had told me they do not have my homestead exemption on file and they would need proof. On XX/XX/XXXX I sent them the information for my XXXX property tax from the city. I called them back on XX/XX/XXXX to confirm they had received my emails with the information. I was informed that they are going with their numbers and not what the city is stating. I requested they send me something in writing explaining this, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet indicated that my payment was past due ( XX/XX/XXXX ), even though I have auto payments set up. Fearing that I missed a payment and then would retain my auto-payment discount they offered I proceeded to submit a manual payment ( XX/XX/XXXX ). I called them the next day ( XX/XX/XXXX ) ; they explained that they had an issue with auto-payment, but that it would backdate once the payment went through. 

I requested they then delete my manual payment. They confirmed they would. The payment still went through. I called again XX/XX/XXXX and they told me they could not do anything and when they transferred me they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

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 1

5 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 non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 I discovered that there were two fraudulent checks written against our account, totaling {$15000.00} as well as three ATM transactions totaling {$2400.00}. On XX/XX/23 I went to my local branch of Truist bank and was told to file a complaint with the fraud dept, which I did the same day. I was told by the fraud dept to file a police report which was also done, and at that time my husband and I suspected that it could be our daughter. 
We were asked whether we were prepared to file charges and appear in court and we signed to that effect. 

On XX/XX/23. I discovered more ATM and check transactions not created my myself or my husband, and those were reported to the fraud department of truist. The personel stated that they would add these to the same case XXXX XXXXXXXX The sum stolen from us totaled Approx {$69000.00} over a period of 14months. The bank has declined to reimbursed any of it, not even the fraudulent checks. citing that we did not safeguard our banking information, and failed to file charges, which is incorrect. I have sheriff dept report that we have filed charges.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers on my credit record. This information does not belong to me. I need this fraudulent information removed 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 non-monetary relief
Consumer complaint received 2023-10-31 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have two pending Borrowers ' defense applications that are being reviewed. I also have loans for graduate school that are not related to the borrower 's defense. I have asked Aidvantage to separate my consolidated loans so that I can start making payments on my graduate school loans. It has been a month with no response. I have also contacted the Department of Student Aid. The Department of Student Aid has also advised that they have not received a response from Aidvantage now adding an additional 15 days. Loans are now incurring interest and I am to make payment on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV has violated Federal laws concerning the use of private information. LVNV is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting LVNV to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If LVNV isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify alleged debt LVNV you are interfering with commerce and this is a Federal Crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma is reporting credit scores that are XXXX lower that what the XXXX Agencies have at the same time or 30 days prior. Credit Karma gave me an updated report and reached out to XXXX to do the same. XXXX gave me my score for the XXXX prior and current. XXXXredit Karma provided me the same and the were consistently were XXXX and XXXX lower. They told me they're reporting what XXXX is giving them. How is this possible if you receive information, you post that information. I reconfirmed XXXX information by asking XXXX of my Banks XXXX XXXX for a copy of my report due to a recent application and it was aligned with XXXX, not Credit Karma. Now because of this credit offers from Credit Karma I should receive I'm not instead I'm receiving the higher interest rate, with lower credit lines. This looks like a form of XXXX or predatory profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND has violated Federal laws concerning the use of private information. MIDLAND is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting MIDLAND to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If MIDLAND isn't able to provide said items, negative accounts must be removed immediately.

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify alleged debt MIDLAND you are interfering with commerce and this is a Federal Crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has violated Federal laws concerning the use of private information. Equifax is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Equifax to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an XXXX  report. If Equifax isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 


Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
Equifax is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

Consumer should only have one name and one address which has been disputed for over a year. 

EQUIFAX you have 3 days to remove negative unverified information EQUIFAX you are interfering with commerce and that is a Federal Crime EQUIFAX Commission File Number XXXX IRS File XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX XXXXXXXX XXXX and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these XXXX accounts are not relevant to me so they need to be removed. 

XXXX, XXXX XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXXXXXX {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I request that the following account be promptly removed immediately off of my credit for Radius Global Solutions for 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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive Reached out Several times to XXXX and ExperianWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that on 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 2023-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from The XXXX at XXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received XXXX letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 

*Note there are XXXX certified mail receipts pictured. XXXX was for mine and XXXX was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On the XXXX of XX/XX/XXXX, I XXXX XXXX XXXX noticed a WELLS FARGO ACCOUNT # XXXX, OPENED ON XX/XX/XXXX FOR {$32000.00} which is Extremely ridiculous because at the time of the date stated the account was opened, I didn't own a vehicle and still to present day I am still without a vehicle. 

I mentioned to XXXX Wells Fargo XXXX that I'm a victim of identity theft and the Wells Fargo XXXX threaten me with calling the police on me if I didn't pay the debt owed. 

I have active XXXX POLICE REPORT ON FILE ALONG WITH FTC IDENTITY THEFT REPORT AND AFFIDAVIT that I've provided and still no help.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to XXXX and XXXX has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: VA

Complaint narrative:
I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to XXXX and XXXX has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and 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 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One told me to have a fraud. Somebody sends me the money, but I don't who are they and Capital One frozen all my account, and I can't get my money from my saving account. Now, I can't make a downpayment for my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/23, I reached out to Midland Credit Manangement, LLC spoke with XXXX XXXX, in the Concern dept @ XXXX asking for an update on my Identity theft account. Midland Credit Manangement had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer. I immediately went to work with all three Credit Bureaus disputing each account. Midland Credit Manangement had XXXX accounts under my name however only XXXX of these fraud accounts were closed. The third account that went to XXXX XXXX  a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC they have told me back on XX/XX/23, that they needed to recall the account from the law firm. I received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet for the third time. Currently XXXX awaiting a refund however Midland Credit Manangement said the law firm owes me & XXXX XXXX stated Midland Credit Manangement owns the account. Please help me get a refund asap of all monies paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : LVNV LLC Im again disputing this amount XXXX. This was wrote off from XXXX XXXX then XXXX and now LVNV company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against XXXX XXXX. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Penn credit Corporatio Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reporting wrong on all my credit reports and twice different amounts. This is not my debt, I never ever heard of this 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 2023-10-31 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: ProCollect, Inc.
State: CA

Complaint narrative:
There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX DATA BREACH and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these two accounts are not relevant to me so they need to be removed. 

PROCOLLECT , INC  XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXX  {$760.00} XXXX incomplete reporting Please remove these accounts 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