vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I AM CONCERNED ABOUT THE ARTICLE I READ XXXX FINANCE ABOUT STUDENT LOAN CANCELLATION FOR STUDENT WHO ATTENDED XXXX  XXXX XXXX DECEPTIVE AND MIS LEADING PRACTICES ESPECIALLY XXXX  GO BACK SCHOOL WE HELP YOU FIND JOB ADVERTISING DIFFERENT AFFILIATES WHO THEY PARTNERED WITH. 

PROBLEM I HAVE IS THAT MYSELF AND THOUSANDS OF OTHERS WHO ATTENDED FROM XXXX, XXXX XXXX UNTIL XX/XX/XXXX. ARE NOT ONLY BEING LOOKED OVER BUT WE WERE THE VERY STEPPING STONES USED AS DECEPTIVE AD TO HAVE OTHERS ENROLL IN PROGRAM. I WAS RUNING XXXX XXXX XXXX XXXX AND XXXX XXXX WHEN THEY DUPED ME INTO GOING BACK SCHOOL. XXXX  YEARS LATER STILL SAME BOAT. 

I AM REQUESTING ACTION AGAINST XXXX XXXX XXXX AND FTC FOR OVERLOOKING IMPORTANT KEY FACTS TO WHAT WAS HAPPENING. 

I EVEN OFFERED TO MAIL XXXX XXXX XXXX XXXX XXXX  BACK TO XXXX  AT XXXX XXXX XXXX XXXX USELESS. 

I AM AM THAT NOT ONLY MY COMPLAINT BE HEARD BUT HOLD XXXX  XXXX XXXX ACCOUNTABLE FOR THERE ACTIONS VOLUNTARILY AND INVOLUNTARILY. I HAVE FILE COMPLAINTS BEFORE AGAINST DECEPTIVE PRACTICE. I SUFFERED XXXX XXXX TRYING TO RESOLVE ISSUE ABOUT XXXX  XXXX XXXX. I AM SURE THAT THEIR ARE OTHERS OUT THERE WHO ATTENDED XXXX  XXXX  XXXX DURING XXXX FEEL SAME WAY AS I DO. I AM FIGHTING TOOTH AND NAILS ABOUT WHAT RIGHT. 
CANCEL MY XXXX XXXX ALSO. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GERSHMAN INVESTMENT CORPORATION
State: NE

Complaint narrative:
I have been working on my new home mortgage with the Gershman mortgage company. I have been working directly with branch XXXX XXXX XXXX. We have been working on this loan for more than XXXX weeks. We started the loan application and then she asked me for all the documents needed to begin the process. Before we started I mentioned that I had school loans and asked her if that would affect me in getting a loan through them. She indicated it wouldn't affect as long as I'm not paying anything right now, I let her know that I wasn't because I was currently still in school and I won't graduate until XXXX of XXXX  and that the loan repayment would start XXXX  months after graduation. She asked if I can get the loan information and I sent that to her. Weeks passed and she didn't mention anything about it anymore. Then XXXX XXXX comes she called me about XXXX times to ask me for Insurance for the home and started to mention that now my school loan was affecting my debit yo income. But that she was still trying to see what they can do. Since I was trying to get the home insurance already I went to the home insurance company I chose and got it then she called me stating that she was trying to see if I could rent the home until I can get a total of about {$21000.00} for the closing. The closing was already on XXXX XXXX and she had already made me sign paperwork and on XXXX of those documents it stated my closing costs which was {$8400.00}. I think she should have explained all this before and should have not lied about the loan not affecting. I asked her if I had any other choices and she said only come up with the rest of the closing costs or if I wanted to close this mortgage. I right away said close it because that was a lot of closing money and that's not what was in the beginning and I advised her that was not ok how she went about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was a victim of the XXXX  data breach so in XXXX I submitted a complaint to the credit bureaus asking for the inaccurate items to be removed. I understand that Covid is going on so I tried to be patient. Then in XXXX I sent another letter XXXX this time certified mail ) asking again for them to remove the items and again I got no response. This is beyond ridiculous and I believe they're trying to take advantage of me and hinder my ability to get new credit. Please send them as many fines as possible until they remove those items from my report because it's been well over 30 days which is way more than enough time for them to remove them.

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 2021-03-25 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
I contact Self lender in effort to correct Credit, the self lender representative states you were having trouble? then ask if I could verify my Birthdate and SSC number XXXX gave her the info, she said you had a previously, had an Email here but XXXX said that u were like XXXX yrs old and, and she had my SSC # she went on to say there was a previous balance, did I want to pay the amount now and then it could be cleared up! To start a the devices rendered, I responded why would I pay for a service that Ive never had with the particular company as of yet! She says Aww! yeah that is right so right now until this is cleared up I still dont have the service that was sought after intially!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Planet Home Lending. While with XXXX XXXX  I recieved a loan modification in XXXX which was finalized approved by the XXXX XXXX. Once the transfer took place Planet Home lending did not acknowledge the modification until I called several times and they were and still are reporting my mortgage as severely delinquent. Ive continued to speak with them monthly to make my usual payment yet still receive statements showing Im delinquent. Their XXXX XXXX filed a claim and then withdrew the claim as it was acknowledged that mortgage is no longer included in my active bankruptcy because once again it has been modified. My last communication was today XX/XX/XXXX and XXXX told me she reached out to her XXXX on XX/XX/XXXX and there still has been no update.I understand XXXX XXXX  maybe also did not transfer over my information properly but now that Planet Home has the correct information it still has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of the Equifax data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XX/XX/2021 Credence Resource Mana ACc:XXXX amount XXXX this account does not belong to me. Iam notifying the FTC that my identity has been stolen. and used for fraudulent activity this account has cause me financial ruin and confusion. I look forward to your reply and resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed an error on my Credit Report on XX/XX/XXXX using the Credit Bureau 's online dispute process. I included documentation from the Creditor stating that my payments were deferred from XX/XX/XXXX until XX/XX/XXXX. The late payments, XX/XX/XXXX and XX/XX/XXXX, should be removed immediately from my Credit Report if payments were not required during this time. Also if my deferment ends in XX/XX/XXXX, then how are my payments starting back up in XX/XX/XXXX. That is another error on 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 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was approved for a motorcycle loan at a interest rate of 3.79 % and that was conveyed to me in writing when the bank draft was sent. After the draft was given to the dealer and deposited the bank then sent me a message to sign my loan documents. The loan documents now said an interest rate of 9.05 %. 
I believe this is a case of fraud since I was never advised of the rate hike or given a chance to accept or refuse the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: WI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive contacted Capital One Bank on numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that Capital One rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from XXXX XXXX XXXX today at XXXX XXXX CT. XXXX stated that I communicated with Capital One & XXXX XXXX XXXX back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically XXXX and XXXX filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by XXXX and XXXX but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020 we had an issue with unfreeze my Equifax account, they made me call to obtain the unfreeze and then froze it again. 

We are doing this to try and obtain a loan. 

We once again tried to unfreeze the account with Equifax yesterday and again today. 

After going through all the steps once again, I was refused access and then called again provided all the verifiable information and even the representative could not give me access without supporting documents. Refuse to send the original documents since this credit bureau Equifax was hacked and is the only one out of the three that I have any issue with. I am able to access the other two without any hassle to freeze and unfreeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of the XXXX  data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A debt collection agency refuses to remove a debt that was dismissed in court back in 2019. I have disputed twice with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Several phone calls has been recieved from Portfolio recovery and I have explained to this company, XXXX, and XXXX that this is not my account. I I continously get harassing phone calls and disputes from TransUnion has come back that it's my account. When the account was opened and I disputed with the company I was told that I co signed with a person in XXXX texas that have my last name. This account was purchased by Portfolio recovery and it was original a XXXX account. I've never had a {$3000.00} dollar limit on my XXXX  XXXX account. I have two accounts with XXXX  XXXX, one in which I recently opened last year and it's in good standing. Its frustrating to know that something is on your account and it's not yours. When the account was openedi was still in college and this credit inquire was never put on my account. I found that this is strange, so o never knew about this account until one day I started recieving the calls and I have disputed this account from day one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted the following complaint to Experian : I had a credit card account with XXXX XXXX XXXX Bank. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXXXXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. The items I cite as being violations of the FCRA are -posting the high balance ( XXXX ), which is higher than the collections representative had me pay ( XXXX ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion. I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports. 

On XX/XX/XXXX, I checked my Experian credit report to find that Experian completed the dispute, incorrectly updated the charge-off dates, and completely removed the 'CLS ' code, showing that the account was closed. Not only did they completely ignore the above information, which has violated several FCRA statutes, they have added even more incorrect information to the account. I have attached the screenshots showing the 'before ' and 'after ' of the account, which shows how they incorrectly updated the charge-off dates AND removed the 'CLS ' code. I have also attached the four screenshots which were attached to the previous complaint.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am writing to your agency after the XXXX XXXX XXXX  response. They told me that you are collecting a debt on their behalf. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Radius Global Solutions has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon charged me {$31.00} on XX/XX/2021 for tee shirts I didn't receive. They have bombarded my bank account with relentless threats and me. I got confirmation via chat that they would refund my money.

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