vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
They are contacting family and friends by phone and text message about a debt. Not only are they calling and emailing me they are providing the amount of this said debt to family and friends on voicemails and text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: MO

Complaint narrative:
Cease and Desist Communication Regarding Collections/Charge off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and 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 non-monetary relief
Consumer complaint received 2023-10-18 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: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 2023-10-18 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: NY

Complaint narrative:
Experian Credit Bureau has failed to update the status of my account with XXXX. As of my recent Experian credit report pulled on XX/XX/XXXX, the status of the XXXX account is as follows : XXXX XXXX - Account charged off. {$630.00} written off. {$590.00} past due as of XXXX XXXX. 

Comments : Account closed at Consumer 's request and dispute investigation completed, consumer disagrees. 

Clearly, this information is inaccurate because I have paid XXXX a total of {$500.00} and I owe them a balance of {$130.00}. Experian has also decreased my XXXX XXXX by XXXX points and I am trying to repair my credit. 
Next, Experian Credit Bureau has 1 collection account listed on my credit report as XXXX XXXX XXXX with a balance of {$850.00}. They have listed this account as a collections account from XX/XX/XXXX- XX/XX/XXXX. Clearly, this information is wrong and inaccurate. I have been making my payments respectfully. The stipulation of settlement states I that I must pay the sum of {$1200.00}. Payable in monthly payments of {$25.00} barring no interest to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance that I owe is {$610.00} to satisfy this old debt. I want this inaccurate information deleted 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 2023-10-18 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: NJ

Complaint narrative:
My loan qualifies for total and permanent XXXX discharge and Ive provided documentation to Nelnet multiple times now, Ive been told by Nelnet multiple times that my documentation is received and is being processed and I can ignore any further requests for documentation to be provided again and again as they see that everything is corrected uploaded ; however, Nelnet is now charging interest and stating that they did not receive my documentation after I had been advised numerous times by multiple representatives that it is received and not to worry. Please help connect me to a live person who can fix this. Ive now spend at least 8 hours on the phone with them and countless emails back and forth getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Albert Corporation
State: AZ

Complaint narrative:
Albert Genus is charging me {$12.00} a month for nothing - i've canceled this back in XX/XX/2023.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as XXXX day late for the month of XXXX XXXX XXXX as well as XXXX  day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.

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 2023-10-18 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: NV

Complaint narrative:
I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as XXXX day late for the month of XXXX XXXX XXXX as well as XXXX  day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: NV

Complaint narrative:
I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as 30 day late for the month of XXXX XXXX XXXX as well as 30 day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.

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 2023-10-18 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: MOHELA
State: WA

Complaint narrative:
Supporting documents for open case XXXX The US Dept of Education has stated that they notified servicers immediately of payment issues and place them into administrative forbearance to remedy the errors and months will be credited toward payment counts needed for loan forgiveness ( ie- PSLF ) I have asked for my loans to be taken out of forbearance multiple times, along with a new request yesterday to move my forbearance from Exceptional Discretionary Forbearance to Administrative Forbearance.

Exceptional Discretionary Forbearance is related to Borrowers Defense. I have Borrowers Defense and PSLF simultaneously for loan forgiveness. My borrower 's defense application is on a 3-year review period whereas my PSLF has 13 months remaining for forgiveness. Exceptional Discretionary Forbearance months do NOT count towards PSLF. It is not my fault that Mohela is behind on applications and payment reviews, and I am losing precious time towards paying off my loans via PSLF. 
I want to either be taken out of forbearance completely with the right monthly payment amount of XXXX as approved by FSA OR be placed into ADMINISTRATIVE FORBEARANCE so that the months they spend resolving their issues will count towards my PSLF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
On XX/XX/, I've started a mortgage loan pre approval process with XXXX XXXX Senior Loan Originator Inside Sales NMLS XXXX from Cardinal Financial. He went over my credit and process to get the loan to the approval stages. I finally got all of the documents needed submitted to the portal and was given a closing date of XX/XX/XXXX. As of XX/XX/XXXX the rate was locked in for 6 % which I found odd as the rates were much higher. On several occasions I've asked about the company running my credit and he assured that it was 90 days and it would be ran again.After he told me that it was final approval a closing date was set to XX/XX/XXXX. XXXX days before the closing date no one at Cardinal would answer the phone to get the final approval disclosure to them. A few of the reps went missing for weeks! The day of XX/XX/XXXX Cardinal reran my credit and then wrote another loan term. This was a nightmare for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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:
Can you delete these accounts because they are negative and are not mine? 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Can you delete these accounts because they are negative and are not mine? 
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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
XXXX - Due to the incompetence of Total Visa, my card was charged an amount of XXXX, I pointed this out to them, and they began an investigation but, in the meantime, instead of fixing the problem, on my account, they kept charging me overdraft and other fees which I think was wrong, they placed me in a terrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I am currently in XXXX XXXX, but I work for a local government and will qualify for public service loan forgiveness this fall. My account was switched to " in-school deferment '' status in XXXX. I first messaged Mohela to request that the in-school deferment be permanently removed from my account on XX/XX/23. When I messaged, it stated that my message would be responded to witXXXX XXXX XXXXess days. It was never answered. I placed follow-up calls to Mohela on XX/XX/23, XX/XX/23, and most recently, XX/XX/23. On the last call, the rep stated that she put in the request to have the deferment cancelled, but it would take 2-3 business days. This is the 3rd business day and it is still there. I have faxed and messaged multiple requests to remove the in-school deferment and to revert XXXX and XXXX to XXXX forbearance. The request I sent on XX/XX/23 is marked in my file as APPROVED and XXXX and XXXX are now listed as qualifying payments, but my account is STILL on in-school deferment status. XXXX and XXXX should be my XXXX and XXXX qualifying payments, yet Mohela is refusing to cooperate so that I can make my last two loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW WORLD COLLECTIONS, INC.
State: IN

Complaint narrative:
We have been in a dispute with a cleaning company, XXXX XXXX, about services not rendered satisfactorily. They claim we owe {$330.00} for 2 cleanings in XX/XX/2023. After much back and forth with them, they sent us to an alleged collection company, New World Collections , Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ), after what they wanted. We have exchange letters with them asking that they verify the debt as valid and also on their authority to collect on it. We received back from them basically the same letter with alleged invoices for services, which we contend were not satisfactory, that appear to have been done on a word processor that anyone could make and absolutely no information on their authority to collect a debt. I don't even have the name of a person to talk to. As far as I can tell, they are not registered to collect debts in my state of Indiana and I have no assurance of anything.

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