vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I received a Credit Alert from XXXX XXXX XXXX that I had a Derogatory account on my XXXX file. When I logged into XXXX 's website I saw an account in collections that was not mine. When I called XXXX I explained that the XXXX account listed was not one I authorized to be opened and had never used. They opened a dispute on my behalf. They told me to call the collections company to notify them. I did so. They showed the account was opened by someone in XXXX XXXX, LA. I advised that I do not know anyone there, have not resided there nor authorized anyone there to open an account with my credit information. The collection group supplied an XXXX account # of XXXX. XXXX also advised that I report this on the FTC website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AL

Complaint narrative:
My loans were transferred to Nelnet for servicing over the summer of 2022. I set up my account and successfully logged in once. I went back a week or so later and was unable to get in. I reset my password and was able to access my account. About a month later, I tried to log in again, and was not able to. I reset my password again, and was able to log in. Fast forward to today and I can't get into my account AGAIN. Not only are my credentials not working, my verification " picture '' keeps changing and rarely gives me the correct picture. 

This is making it IMPOSSIBLE to keep up with my student loans and changes to payments/forgiveness due to President Biden 's student loan forgiveness and/or payment deferments.

I can't even imagine how difficult it will be to make payments consistently and on time once they start back with this servicer. Of the three or more different servicers I've had, Nelnet is by far the WORST. 

If I can't do sometime so fundamentally simple like logging into my account how can I possibly trust this servicer with protecting my bank account information and correctly managing my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Two months ago, I tried to apply for a pre approval for a mortgage. While XXXX and XXXX produced scores, TransUnion stated I had no credit history. I was rejected for the pre approval and a long battle with TransUnion began. I called TransUnion and asked them to fix the issue. They said I needed to call my banks and lenders as they couldnt see my credit history. I called banks and lenders and they all reported it was being sent to the correct name, birthday and social security number. I then mailed documents to trans union utility bills, social security card, and a drivers license. They needed proof that I was really me. At this time, I had read numerous articles online and learned about mixed reports. So I asked my sister to pull a credit report. This is when we learned that all of my information was listed under her name, mixed with her history. We called TransUnion to dispute her credit history. I called TransUnion to obtain my credit report and they still can not see any information or history under my credit report. I am unable to get a loan for any housing and I am stuck in limbo. I have been calling TransUnion every week, for hours at a time trying to resolve this issue and it has been way more than 30 days now.

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 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Hey guys, You are such awesome people. Need your help. 

In 2022 my tax assessor billed me incorrectly. They would later fix the issue and bill me the correct amount. 

The initial 2022 tax amount : {$2700.00} The corrected 2022 tax amount : {$770.00} The mortgage company increased my escrow payment to reflect the incorrect {$2700.00} escrow. My first attempt to get help was on XX/XX/2022 at XXXX. I sent a message via in-app chat to the mortgage company to run a new analysis on my property. I never received confirmation that they ran the analysis. 

12 days ago, on XX/XX/2022, XXXX XXXX  EST, I requested my mortgage company to run an escrow analysis again on the property to correct my escrow being nearly 3x what it should be. 

Since then, I have reached out via phone, twice via email ( XXXX ) & once via in-app chat. I have received no response from any of the 3 mechanisms except via phone I was told that " I will pass along the information ''. 

My mortgage company is a wonderful group and has always treated me well. Their support team is very kind. I am happy to be patient, just concerned that no one has even attempted to reply to my email or acknowledge my attempts to give them the correct information. 

My current escrow balance is {$2900.00} - far greater than the {$770.00} I was billed last year. By the time I pay taxes again, the balance of my escrow may be nearly double that. 

I have attached a screenshot of the old bill and the updated bill. Here is the URL to the XXXX XXXX XXXX XXXX website with updated info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thoughts on how we can help fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/2022, I was approved for the American Express Blue Cash Preferred card ( account ending XXXX ), which advertised a {$300.00} " welcome bonus '' if you spend at least {$3000.00} within 6 months of account opening ( similar to the existing offer - see link below ). 

When the card eventually arrived at my home, I called AMEX customer service to confirm that I was eligible for the welcome bonus ( as I always do when I receive a new credit card ) and to confirm the terms. A customer service representative explicitly confirmed, over the phone, that I was eligible for the welcome bonus. 

Within the last week or so, I was able to cross the {$3000.00} spending threshold, which means I should have seen the {$300.00} credit. Today, I contacted AMEX customer service again, who this time stated that I am actually not eligible for the bonus, due to " account history. '' I was never informed of this, so the news came as a surprise. The representative informed me that she will open an internal investigation, but that I shouldn't expect a resolution in my favor. Hence this complaint. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-12 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I haven't received anything in the mail from this company I saw reporting on my credit report. I do not owe the balances saying I do. I have disputed with no validation being received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from 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 non-monetary relief
Consumer complaint received 2022-09-12 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: TX

Complaint narrative:
I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from 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 non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I submitted a complaint about a sham account being opened by us bank that was closed stating the it was resolved. This has not been resolved. I was hit with a hard inquiry and sent a credit card that I never applied for. US bank was just recently fined for these exact actions. I did not apply for the card nor did I approve a credit inquiry. The inquiry hit my credit report on XXXX and then I received a card which had my check my report on XXXX. I prefer if this was not closed until the matter is resolved. 

THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NOT A THIRD PARTY SUBMITTING ON MY BEHALF!

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 2022-09-12 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: TX

Complaint narrative:
I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CO

Complaint narrative:
In approximately XXXX, I opened a checking/debit account with Simple Bank XXXX I mostly used this account for easier ATM logistics, and would transfer money into it as needed, as a cash account. A few years ago, Simple was consolidated into BBVA. This resulted in no material change to the account. Last year, BBVA was consolidated into PNC. I have since opened a savings account with PNC, so now I have the cash account and the savings account. 

In XXXX of this year ( XX/XX/XXXX ), PNC started charging me a $ 7 monthly service charge, that I never agreed to. I received no correspondence that this service charge would begin. I noticed it when my cash account balance was {$0.00}. I have since deposited money into the account. The total amount of erroneous and unagreed upon service charges is {$32.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NY

Complaint narrative:
Im Accordance with Fair credit reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 2681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also stays a consumer reporting Agency Can not furnish account without my written instructions

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 2022-09-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-12 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation