vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
This is the second month in a row my mortgage payment was late? I pay through my financial institution using their BillPay system to make my mortgage payment and been doing so for the last 10-12 years. I called NewRez last month and they said they had changed their address and if I updated that in the BillPay system it would fix the problem. I did that while I was on the phone with them.

I received a letter today that it was late again this month, so I call my bank and they say NewRez stopped accepting BillPay so they have to send live checks?!?!?! I call NewRez, and somehow its my fault, I had to ask them point blank, have you stopped accepting BillPay, and after a very long pause she said yes. I asked why I was not informed of this and she said it was noted on my XXXX Statement, so I printed out XXXX statements and no does it state they had stopped accepting BillPay and the although the address where you send your checks had been changed, they failed to point that out anywhere on the statement or indicate it had changed!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
told me informations on all three bureaus are correct but its not all have conflicting accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Albert Corporation
State: GA

Complaint narrative:
They have a subscription service called Genius that charges XXXX dollars a month I never ever authorized this service and charge also, They were getting money from the account to put into a savings account that I never authorized They savings money I already request refund but the XXXX dollars refund for every month charged, they refused

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: NM

Complaint narrative:
My fico score decreased from Equifax XXXX points because of their inaccurate balance information from my XXXX XXXX  card ending in XXXX my fico score today! Said my card increased to over XXXX dollars? They are looking at a d balance over 40 days old? Not was is current today?? my balance is only XXXX dollars period! I had a lot of problem with equifax reporting old information!! I will include my Fico infor from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XX/XX/XXXX. Ally financial has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year 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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
Levy & Associates LLC has contacted me over 12+ times for debt that I do not owe. I have sent them ( 7 ) separate letters via fax and USPS mail since XXXX XXXX  to Cease & Desist, yet they continue to contact me. 

They have threatened to garnish my bank account and continue to pursue debt after they have been repeatedly advised that I receive Social Security Disability. They recently contacted my bank for financial details as well. 

I have copies of all letters and faxes that have been sent to this company since XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion Bureau, I have already contacted you but haven't received any results so far. I am XXXX XXXX, consumer of TransUnion. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Transunion customer service and they provided me with my file number : XXXX. Also they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2023-01-26 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: MI

Complaint narrative:
This is still an issue. I requested payments made to Nelnet to be refunded to me under XXXX reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. 

Nelnet has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the Nelnet account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2023, I closed my secured credit card with CapitalOne. I was informed by the representative who was closing my account that the {$200.00} secured deposit would be applied to my account within a couple of days of the account being closed. Now they are refusing to apply the {$200.00} secured deposit which would pay off the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I believe my information might have been in the wrong hands or part of a data breach these following inquiries and account does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I believe someone else is using my information And I dont have anything to do with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MI

Complaint narrative:
This is still an issue. I requested payments made to XXXX to be refunded to me under COVID reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. XXXX has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the XXXX account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
In XXXX, I was billed {$1200.00} for a XXXX that arrived damaged & then denied servicing by the merchant. Discover was not " actively monitoring '' and could have easily found that the merchant abused my card. They even admitted they sold me a defective unit & went on further to deny repair to the bike. They continue to " stand behind their decisions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2023-01-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I just reviewed again my Equifax credit report and found that they are still reporting inaccurate and incomplete information for XXXX XXXX # XXXX and XXXX XXXX # XXXX accounts. On the XXXX XXXX account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete and missing large areas of data, there is No High Credit Limit, No Credit Limit, No Designation for Owner, No Actual Payment Amount, No Scheduled Payment Amount, an Incorrect Delinquency First Reported and No Close Date. All of these inaccuracies and incomplete information are FCRA Violations with monetary penalties! On the XXXX Bank account there is No Date of Last Activity, No Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete, there is No Account Balance, No Amount Past Due, No Actual Payment Amount, No Delinquency First Reported Date, No Charge Off Amount, and No Close Date. All of these absences are FCRA Violations and a clear violation of my FCRA rights. I have downloaded and attached my most current Equifax Credit Report ( XX/XX/2023 ) with all these FCRA Violations highlighted and circled. They will be used at civil court as evidence if my consumer protection attorneys move forward with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX  {$550.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX XXXX$550.00} FCRA Violation : hard enquiries not mine 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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, 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:
My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : 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 Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.

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 2023-01-26 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: CT

Complaint narrative:
Over 15 years ago I took out a HELOC with XXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we 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 2023-01-26 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: CT

Complaint narrative:
Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CT

Complaint narrative:
Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX XXXXXXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
XX/XX/XXXX. XXXX XXXX has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: TX

Complaint narrative:
I'm a victim of Identity Theft, There are XXXX cash app accounts open in my name that I'm not aware of. the cash app symbol name is $ XXXX that I didn't authorize to open in my name and the XXXX cash app account i'm not aware of is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: AZ

Complaint narrative:
I have XXXX XXXX  XXXX has not sent me a statement regarding my claim for a XXXX I have provided all insurance information at time of service. XXXX  does this all the time including a visit for my XXXX

Company response to consumer: Closed with explanation