vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
When I first moved to XXXX, TX in XX/XX/2023, I signed a lease without seeing the property first. When I arrived, there was criminal activity and I told XXXX XXXX XXXX I would not live there. They suggested their alternative apartment building, the XXXX. I moved from XXXX XXXX the next day into the XXXX apt and requested a new lease. 

I never received one. I also saw my signature was digitally forged after they added new information to the original lease that hadn't been approved by me prior to my original signature. 

I had paid for one month 's rent and stayed in the XXXX Apt for one month before returning the keys to the maintenance person and leaving. The lease was invalid, I have never owed them further payments, and National Credit System never contacted me in writing to say they were a debt collection agency. 

I filed a complaint with the TX Attorney office due to the fraud and will attach that document as it goes into further detail. 

While living in the XXXX Apartments, someone attempted to enter my apartment while I was inside using a key. A XXXX man jumped into the pool fully clothed and when I reported it, nothing was done to sterilize the pool that people continued to swim in. There was loud construction in the apartment near the one I temporarily stayed in and I made numerous complaints to the management and the city as it was happening until XXXX at night. 

The place was unlivable due to the fake lease I never approved, signed or received. The conditions I was forced to live under made it uninhabitable - loud noise, someone attempting to break in, homeless activity. 

I never received any notice from National Credit System in writing and when I called to request verification they said they would email it to me. I have never received proof of this. 

I have paid my rent on time and in full to my legal living space since XX/XX/2023. I do not owe any more money to National Credit Systems or XXXX XXXX XXXX as they rented me an apartment that had criminal activity they were fully aware of due to the video taken inside the apartment they sent me prior to my moving in. 

I suffer from XXXX and this trauma has followed me. I need it to stop. I need National Credit Systems to understand I do NOT owe any more money for a fraudulent lease. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank is the servicer of my mortgage loan. I am the successor of interest to the borrower, and I am the resident and record owner of the property that is subject to the loan, which is currently in foreclosure. 

I applied for and received a conditional XXXX  XXXX  of {$50000.00} on XX/XX/2023, to cover part of the reinstatement amount of {$110000.00} in order to save my home. Through my XXXX  XXXX, I reached out to obtain a loan modification in conjunction with the XXXX XXXX  to cover the remainder of the arrearage but was informed on XX/XX/2023 that PNC does not offer that option. 

On the Frequently Asked Questions page of its website, HUD has clarified the guidance in its HUD Mortgagee Letter 2023-03 that borrowers who seek to combine XXXX XXXX  with a XXXX Recovery Modification must be given that option by mortgagees, so long as that option is allowed by the States HAF program. XXXX clearly allows that option as part of the " XXXX XXXX. '' PNC Banks failure to allow me to combine my PAHAF award with XXXX of the XXXX Home Retention options violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and HUDs Mortgagee Letter 2023-0XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
For Complaint # : XXXX, I have that my previous Experian dispute # for the XXXX XXXX was Dispute # XXXX. This is the current dispute number and not the previous dispute number. 

My previous dispute # for XXXX was Dispute # : XXXX. Nothing was resolved with this prior dispute. Also I want to know why XXXX has recorded XXXX potentially negative months for that card. That is close to 2 years of negative payments which never occurred. Something is not correct with how this delinquent account is being reported. 

I am submitting this correction for my previous submitted compliant today - Complaint # : XXXX. 

Also, I want to know why I have a " Good '' score for my Length of Credit when it shows my oldest account is XXXX XXXX XXXX? This is 15 % of my credit score. 
And i want to know why I have a " Good '' score for Payment History when it shows 88 % paid as agreed and the only late payment of 30+ and 60+ days is the XXXX Card which I am disputing.

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 2024-02-21 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: DISCOVER BANK
State: MI

Complaint narrative:
I booked a hotel reservation on XX/XX/XXXX XXXX over the phone with reservationstays.com and what I thought was the direct hotel line for the XXXX XXXX XXXX in XXXX XXXX MI. The person named XXXX who helped with booking the reservation said that she was going to provide a discount for the reservation and it will be {$120.00} for the booking but instead they charged my Discover credit card {$240.00}. I gave her my credit card number and then received a email with a receipt confirmation with no total amount. I will attach that receipt to this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian refuses to delete or remove an account from credit report that is reporting inaccurate and invalidated information causing grave damage to my credit history. I do not have a contract with : XXXX XXXX XXXX XXXX. Nor did I ever reside at the address listed under this account. I explained that this was violating the fcra laws and statues 15 usc 1681. I would like to pursue civil damages of {$1000.00} for repeatedly denying my right, and request for a removal.

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 2024-02-21 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the fraudulent item that needs reporting and correction through your company. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Amount of {$2100.00}, XX/XX/XXXX to present. Threatened an eviction, said we had to pay the full amount and it wouldnt remove the eviction. After speaking with the courts there isnt a pending or filed eviction. The apartment company spoke with me stating there isnt an eviction and that there shouldnt be charges for the next months rent since we moved out before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, XXXX of which is XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
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

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 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I saw that Midland Management reported on my credit and disputed it twice. I also saw that the original creditor was XXXX XXXX. I called the number for Midland Management thats on my credit report and gave them all my information to check if the debt was valid and they have no records of the debt. I also called XXXX they also have no records of this debt. 
The amount they are seeking is {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
Company has not provided valdiation, verification of ability to collect, the original contract with my signature, or proof of training, they have provided nothing requested

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 2024-02-21 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: GA

Complaint narrative:
XX/XX/2024 TRANSUNION ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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 non-monetary relief
Consumer complaint received 2024-02-21 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the 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 2024-02-22 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:
XX/XX/XXXX. I took out a loan to go to XXXX XXXX  to study XXXX, but I didn't finish the degree program. 

As of XX/XX/XXXX, I owe {$7700.00} for the classes I took at XXXX XXXX. 

For over a decade I've been paying on this loan, therefore, it should have been paid in full. 

I am disputing {$7700.00} because I didn't finish the XXXX  degree program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My Bank of America Business ( BOA ) credit was five months past due. I was in communication with the controller set up some sort of hardship payment ( s ), however, on XX/XX/year> BOA deducted {$1700.00} from my personal checking account to as they described it ( offset payment to account ending in XXXX ). BOA deducted double the amount that was needed. 

That money was my wifes money that was deposited into our joint account. I would like all of my funds to be returned to my personal account and I will continue with BOA about making payment arrangements.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I need you to evacuate the unnecessary request from my advance report as before long as conceivable. To form it easy, I have put together a piece of to back this complaint. If it's not too much trouble explore this issue as before long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: P&B Capital Group, LLC
State: SC

Complaint narrative:
P & B CAPITAL GROUP LLC, this third party company hasnt shown me proof of original contract, I have never done business with this company nor are they licensed to collect in the state of SC to collect a debt from. This information has been placed on my credit consumer report without my permission or proof of business.

Company response to consumer: Closed with explanation