vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I filed an identity theft affidavit quite some time ago regarding XXXX XXXX credit card appearing on my credit report I submitted the documentation over to XXXX XXXXXXXX. The information was removed from my credit report now here as of late Midland credit is now trying to collect on this debt that was identified as identity theft. My identity has been on high alert since 2012 when a Florida inmate got a hold of my entire child support case profile which contained my Social Security card, my birth certificate, date of birth place of employment, along with my childrens information and their dads Midland responded stating that they provided proof regarding the debt. However, the only thing that was provided was a bill that shows charges and no payments ever being made on the bill. They requested a police report. I filed numerous police reports prior to this situation and was advised that I did not have to continue following police report as there is an alert on my credit profile. Needless to say, my credit information was also compromise by the credit bureaus, and their multiple data breaches the information will be enclose in this documentation. It was mentioned in my previous complaint that the dates did not online. However, if the identity theft report or affidavit was read correctly, it ask when I noticed the fraud on my account, not the date that the card was issued or applied for. I do not use credit cards this is the ONLY derogatory mark on my credit report, which has made my report score go down drastically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
COVID federal student loan flexibilities started on XX/XX/XXXX ( see photo with history of flexibilities passed by congress ). At that point, interest was 0 % and student loan payments were suspended. 

On XX/XX/XXXX I requested to switch my XXXX plan from XXXX to XXXX. I submitted an application with XXXX to get this completed. This application was processed on XX/XX/XXXX. On the same day, I received notice that my student loan interest had capitalized from repayment plan change ( see photo ). So my interest was added to my principal loan balance and effective accrued interest was {$0.00}. 

I have since applied for XXXX, as I am a physician working for a non-profit organization, and have been since XX/XX/XXXX. On application to XXXX, my loan servicer was switched from Great Lakes to XXXX. This was completed between the timeframe of XX/XX/XXXX ( closed accounts with Great Lakes ) through XX/XX/XXXX at which time I had access to and all accounts with XXXX servicing. 

On logging in to XXXX to prepare for return of student loan payments, I noticed that I had interest accrued of {$6700.00} ( see photo from XX/XX/XXXX ). At that point, I was in forbearance ( still for XXXX ) with a 0 % interest rate. After noticing this, I reached out for guidance from XXXX, who indicated that in their investigation student loan interest had accrued prior to transfer to their servicing. On discussion with student aid.gov ( 2 complaints/case submissions ), they encouraged me to get details of payments, loan history and interest accrual from XXXX. This was requested and never provided. After I was unsuccessful here, I moved on to submit a complaint with NelNet ( took over all servicing for Great Lakes ). See photos for submission dates - I have not received any response or feedback from them. I also submitted second case with XXXX and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
This company Midland Credit Management continues to make new phone calls to harass and call at odd hours such as XXXX or after XXXX and they make new numbers every time you tell them to stop calling or block the number, they will call again with a new number. I don't even know what this is about because the only debt I have had in the past I am in a dispute about with the medical provider because I have paid them and have evidence of having paid them and they are trying to fight me on it. This should not be a part of debt collection at all if I am still talking to the medical provider themselves. This company continues to harass at odd hours of the day, calling when I am working or sleeping. The calls are robot call you can't even tell someone to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
XXXX XXXX with Cross Country Mortgage and his office are retaliating against me for making a complaint of MORTGAGE FRAUD against his office. 

I have made very respectful requests for a new point of contact, updates to my loan process, and other simple, very reasonable requests. I have never received any type of professional response, after making my complaint to the CFPB. 

This office has no respect for loan servicing and the honest relationship it requires. 

Not only this, and i have circumstantial proof, but XXXX XXXX HAS BEEN DISCUSSING DETAILS OF THIS COMPLAINT TO MY BUYER AGENT. For some reason he found it necessary to discuss these personal details of mine, XXXX RELATED ISSUES, and is further discriminating my severe XXXX, to MY AGENT. 

In no context anywhere does it say he has privileges to discuss this type of subject, MORTGAGE FRAUD and XXXX DISCRIMINATION with MY AGENT. 

This man is a shame, and should be reprimanded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a XXXX without a home, XXXX XXXX XXXX and with pending XXXX XXXX in three months time. 

I was denied Housing at the XXXX XXXX XXXX in XXXX XXXX MD, because of the negative Rental history in my Rental Credit report, per XXXX 

I called XXXX who provided me with the tel number of Experian Rent Bureau, at XXXX. 
I called Experian at the number and disputed the report and the amount quoted of {$5200.00} XXXX at Experian researched the issue, and informed me that the 7 year Statute of Limitations had expired, since the report was first made in XX/XX/2016. 
He therefore informed me that He would write to the Creditor, XXXX XXXX XXXX XXXX XXXX, and ask them to remove the negative report from my credit record, given the expired Statute of Limitations. 

He made the request and provide me with the account # : XXXX, as well as the case # : XXXX He informed me that it might take upto one month, and that I should call 'XXXX XXXX XXXX XXXX ' and inform them of the Findings and action by Experian, so that XXXX XXXX might expedite the removal of the negative Rental Credit. 

When I called XXXX XXXX, I did not get much cooperation, despite informing them I had disputed the record and amount, and that Experian Rent Bureau wanted the report expunged from my credit, since 7 years was up, and also since I was homeless and the negative report was holding up my application at the XXXX XXXX XXXX in XXXX XXXX MD. 

I tried to explain that as far as my recollection when I left XXXX XXXX apartments, the outstanding Rent was not more than {$600.00}, and was the part to be paid by my partner who had separated from me, and is divorced from me. 

I was not successful as XXXX XXXX wanted me to pay {$2600.00} to resolve the issue, despite the expiration of statutes, and my dispute of the supposed owed amounts.

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 2023-11-05 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: FL

Complaint narrative:
Address that associated to my credit report are incorrect

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.

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 2023-11-05 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: TN

Complaint narrative:
I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IT IS UNLAWFUL TO REPORT CHILD SUPPORT ON MY CREDIT REPORT AND IT SHOULD BE TAKEN OFF IMMEDIATELY. 
609- FCRA

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Address that associated to my credit report are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Address that associated to my credit report are incorrect

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 2023-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Due to my home being damaged by a hurricane I received a large insurance settlement to do repairs. I endorsed it and sent it to my mortgage company. I have completed all repairs, turned in over XXXX receipts/ documents and had an inspection set up by the mortgage company that came back as 100 % of repairs completed. The loss draft department does not communicate with me unless I call them and spend over an hour on the phone. Every time I call, XXXX told that they need XXXX more document from me. I email it while on the phone with them and then they say my check will be sent out in XXXX business days. When I dont receive the check, I call back and it is the same thing again. This has happened multiple times. According to their policy, after the inspection report coming back as 95 % or more completed they release the full amount of the funds. They have not done this and are continuing to give me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Self Financial Inc.
State: FL

Complaint narrative:
SELF FINANCIAL/LEAD BA XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
My mortgage was sold to Carrington Mortgage about a year ago they started charging me about {$560.00}. for my escrow every month for a year. Now they are charging me {$670.00}. for my escrow a month. I Called my city and they said my taxes went up but not that much. I then called my insurance and they said my insurance went up {$14.00}. so somethings not adding up and that would be the numbers that are not adding up at all. Especially since my escrow is at XXXX as of right now so all this money is going in where? why is that and where is that money actually going to if all my stuff has been paid for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be 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 2023-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I got a hard inquiry alert on my Transunion credit monitoring page. It was for a loan or credit application through XXXX XXXX. I called both Transunion and XXXX and no one was able to help me with who the merchant was nor take out the hard inquiry. XXXX requested for the Merchant name which Transunion said that they do not have. Transunion requested for a hand written dispute with a notification from XXXX stating it was a fraudulent inquiry. XXXX said they are unable to provide this notification without knowing the merchant involved, the XXXX rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
ACCOUNT NAME LVNV FUNDING LLC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: NJ

Complaint narrative:
remove all accounts that dont belong to me immediately under The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Address are incorrect

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