vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 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: CA

Complaint narrative:
This is in regard to Nelnet - when we initiated the Parent Loan for our son there was a program for Federal Employees, in our case the XXXX XXXX XXXX, that stated if we paid our payments on time every time for XXXX years the balance of the student loan would be paid in full and no charge to us. 

Unbeknownst to us, my husbands name ( he is/was at the time in XXXX XXXX XXXX ) was removed from the loan when Nelnet purchased the smaller loan company ( Nelnet purchase XXXX. XXXX was the original lender ) I contacted Nelnet as we were so upset by this and all they said was " we can not find his name in our files '' We have almost perfect credit and not only did I pay ontime, I always paid more toward the principal as the interest rate was XXXX XXXX This has been the most frustrating and dishonest credit practice I've ever encountered. And there was nothing I could do - The Federal Student loan system is rigged as they are full of high interest rates and false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc.
State: MI

Complaint narrative:
AMERASSIST AR SOLUTIONS has a derogatory collections Reported on my Credit Report which show to all three major bureau. This account is in collections for {$1500.00} and is heavily impacting my credit score. I know nothing about this account and would like this removed immediately. 
This bogus account was reported by AMERASSIST AR SOLUTIONS. This was last reported on XX/XX/XXXX This complaint indicates that the account was opened on XX/XX/XXXX o The Company in which the complaint originated is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened an account with Exeter Finance for a car loan. Exeter Finance violated federal laws detailed in the attached letter. Exeter Finance has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. 

I requested information via certified mail and no response was provided by Exeter Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  After your investigation is complete, please send me the results via mail.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : 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 XXXXXXXX After your investigation is complete, please send me the results via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : 1XXXX | DEPT OF ED / XXXX XXXXXXXX | DEPT OF ED / XXXX XXXXXXXX | DEPT OF ED / XXXX XXXX XXXX | DEPT OF ED / AIDVANTAGE 5.XXXX | DEPT OF ED / XXXX After your investigation is complete, please send me the results via mail.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed trans union, XXXX, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, XXXX, and Transunion are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, Equifax, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how equifax, XXXX, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: IL

Complaint narrative:
Called Equifax on XX/XX/2022 about my score dropping 65 points from XXXX XXXX through XXXX, went from 750 to 685. I asked them the reason because on my report it had no reason. We went through my report together and both found no reason for the point drop and they said they can not fix the score. I was in the process of looking to buy a home and this happens. It is unfair that they can just drop a score by that much and have no reason behind it. 

I feel like we all work hard to have a good credit score and by doing the right thing, I feel the credit report agents Equifax should have to fix my credit score. Or be sued for such false reporting scores. we all know how a low credit score can affect rates when getting a loan. 
Im asking the CFPB to have them fix my Score or have a legit reason, and if they can not i dont believe should be in the business of reporting scores that effect everyone in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target Card Services has reported XX/XX/2022 that I was late {$28.00}. However, I was not notified either by telephone or email that a payment had been missed; resulting in a 30 day late Negative Item on my credit report. I called, wrote and disputed the Negative Item and have since paid the account in full. As a long time cardholder, I have diligently paid this account by or before the payment due date. Your assistance with my dispute is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2017, I opened an account with Capital One Auto for a car loan. Capital One Auto violated federal laws detailed in the attached letter. Capital One Auto has violated my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. I requested information via certified mail and no response was provided by Capital One Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account was added to my credit report, I have no idea what it is nor have I received any information regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: PA

Complaint narrative:
I am writing to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not male these charges. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.

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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX, i disputed an account that I recognize as not being mine. This was listed as a chargeoff. Because I am trying to finance a major purchase, I paid the chargeoff, and was told that they would delete the account entirely ( by the creditor ). They did not do so. 

I disputed this account on the tranunion web site, and received notice that they 'verified the debt as accurate '. I am challenging how this investigation was performed, because the results were delivered VERY quickly. The US Supreme Court has already ruled that they must conduct an investigation independently and can not just take the work of the creditor. The speed with which the dispute was completed dictates that Transunion likely used the XXXX system that they partially own, to verify this debt. 

Adding insult to injury, their online dispute process is flawed ( by design, i'm sure ). They is NO mechanism by which to upload supporting documents, no mechanism to email supporting documents, and no mechanism to fax supporting documents ... despite these options ALL being mentioned as available. 

I do believe that Transunion is violation the Fair Credit Reporting Act, in several ways. 1, they arent conducting an independent investigation. 2. They are NOT providing me with written results of the investigation. 3. they are NOT supplying the method of verification despite being asked politely, and 4 they are making it intentionally difficult for anyone to submit a dispute. 210 characters to explain a complex financial situation? No method by which I can respond or escalate the dispute? 

Further, it seems that in an age of instant information, within moments of using a credit card my balance is updated on my credit report. Why exactly is it that it takes over XXXX weeks to reflect payments on those same accounts? 

It is 2022. We have a larger number of communication mediums available to us than at any time in the history of mankind. Transunion is limiting them tremendously, and manipulating the ones that they do make available. 

This is a material violation of the FCRA< but frankly I believe is also fraudulent activity on the part of the agency I am supposed to trust with my information.

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 2022-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I started my modification loan process XXXX for title search on the property. Title search completed wrong persons names with lien on the title search. I called 2-3 days every week for updates only to be told there was nothing I could do it takes a while, mind you that my home is only 5yrs old. Finally spoke with rep. that told me I had to call tax office XXXX XXXX, XXXX, to have lien removed and ask for a letter of removal since it's not me and this was done immediately and sent over within two days. I asked why this was not shared with me earlier than now since the title search has been completed since XXXX XXXX and clearly you know that I am the only one listed on the loan. I was told by two supervisors that my interest rate@ 2.87 % one in XXXX XXXX and XXXX XXXX I was locked in, and I should receive my modification documents within 7 business days or download from my portal when available. Now it's XXXX I received my modification documents at the rate of 3.50 % and no one is honoring the promised 2.87 % interest rate. 
As I stated to the supervisors and representatives this was out of my control not my fault and I have tried to assist you with any situations concerning this modification process and should be granted the promised rate of 2.87 %. I was never sent the not affidavit to sign nor offered to sign one until this day still, this part of the process of acknowledgment of liens. I have asked to speak with managers and was told none are on duty or available to speak with me, supervisors have said they will call me back and never have until this day. 
I feel that they held my process of modification loan until the interest rates went up, since I have been corresponding with them weekly sometimes 2-3 calls a day speaking with different representatives and supervisors cause its very fairly rare to get the same person, and some were more willing and helpful than others. 

Action taken by company XX/XX/XXXX researching phone calls will take until the XXXX of XXXX to complete but the rate is 3.50 % since they have to follow FHA guidelines. UNFAIR Process.

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 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, lender placed flood insurance coverage in the amount of {$2100.00} was purchased for my home, 18 days AFTER documentation was provided to ServiceMac ( on XX/XX/XXXX ) that a Letter of Map Amendment was issued by FEMA for the home on XX/XX/XXXX, effectively removing the house from a special flood hazard area. The required documentation was provided to ServiceMac via email ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX, as well as uploaded to the ServiceMac insurance department website ( www.ihaveinsurance.com/servicemac ) on XX/XX/XXXX and again on XX/XX/XXXX. I have spoken with several representatives at the Insurance Service Center, as well as two supervisors ( XXXX and XXXX XXXX who have sent my documentation to the flood vender, have escalated this issue several times, and have not gotten a response from the flood vender. The most recent communication from XXXX on XX/XX/XXXX was that documentation was sent to the flood vendor, and was escalated a few times and they were not getting a response and she was unsure why. She stated that there was nothing more that she could do on her end and that she recommended I escalate this issue through the customer service department and that they would assign a customer advocate to my account. On XX/XX/XXXX, I called the customer service phone number provided by XXXX and it was documented that a customer advocate had been assigned to the issue. I was asked to call back after XX/XX/XXXX. On XX/XX/XXXX, I called the customer service number and was routed back to the insurance service center, where I spoke with another supervisor XXXX XXXX XXXX who said she would discuss this issue with XXXX. While XXXX has worked hard on this issue and has followed up with me consistently as promised, I have little hope that either supervisor will be able to fix this issue. To date, the cost of the unnecessary flood insurance has not been refunded to my escrow account.

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 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
In XXXX I was in an XXXX relationship, I left the property in question and informed the manager of my situation. 2 days after leaving, a man whose wife was having an affair with my ex caused damage to the apartment. I spoke with a lawyer who claimed he was representing the apartment complex. Explained the situation and was told my name would be removed from the issue. Never heard anything again about it. On XX/XX/XXXX I received a notice in the mail from Kings Credit Services. This notice simply stated the amount and " Re : XXXX XXXX  and various others '' along with the debt amount, debt collection agency 's name, address and phone number. There was a important consumer information disclaimer stating that it was an attempt to collect a debt. There was no information on my rights, or how to dispute the debt. When I contacted the agency on XX/XX/XXXX, I was informed that there was a judgement against me. I had no knowledge of this prior, and was never provided paperwork. XXXX XXXX, the representative I spoke with, claims that I was served by proxy with the papers given to someone I was close with. I reached out to this person and they have no recollection of this. Further, the company never mailed out any other documentation to me. Literally the notice I received in the mail on XX/XX/XXXX was the only piece of mail received from the debt collector, and it does not state anything about my rights at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank is kind of forcing a debt on my business account by charging {$15.00} service charge on a {$0.00} balance, when i try to close the account.The {$11.00} owed should be removed from my credit report. 
I also tried to dispute through XXXX credit bureau but the system would not allow me. 
what kind of a scheme is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: ERC
State: GA

Complaint narrative:
XXXX XXXX XXXX  / OVER, Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error. 

First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX. 

Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a Retired XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers. 

Enhanced Recovery- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account. 

XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with KY Utilities. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate. 

Any assistance will be of great help. Thanks in advance!

Company response to consumer: Closed with explanation