vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX, 2023, I submitted information to Nelnet to get on an income driven repayment plan. I have been on an income driven repayment plan for over nine years, and I was trying to reapply for my plan this year. As of XX/XX/XXXX, I still have not received any information from them about what my new payment will be. They are trying to charge me over {$500.00} a month which I am not able to afford. I have submitted all my information to them in order for them to process my income driven repayment program application. Every time I call them, they tell me they are working on it, and will only extend my forbearance by one month. I have a strong feeling. This is negatively impacting, my credit worthiness, and they need to perform the service they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Launch Servicing bought a loan from XXXX starting XX/XX/202 for our Solar installation. We have had this loan for about 8 years and never missed a payment. XXXX said they transferred XXXXXXXX XXXX payment over to Launch on XX/XX/XXXX. Launch has been contacting me since XXXX saying we are late and they never received payment. I sent them bank statement proof through the online portal. They said they don't see it. I have called them at least twice a month from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did a 3 way call with them and me and verified payment was received and sent over. They also sent an email that day with accounting proof of payment. My credit score has been tanking recently since they are showing me delinquent over 60 days. There is only one number to call which is customer service. I can not speak to anyone in authority there. They promise someone will call me after every phone call. I have yet to hear from anyone. They are still saying I owe now for XXXX, when they payment was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I requested 3 times for the mortgage company to produce my ORIGINAL WET INK SIGNATURE to view in the County where my home is and the written request was disregarded. There is a New Deed on my home now because the mortgage company attempted to collect payments on the basis of fraud. PennyMac and XXXX XXXX XXXX XXXX XXXX XXXX has defaulted on the Administrator Process and they no longer have legal claim on my home. I have the letters I sent them through Certified mail and my new Deed recorded at the Deed office in XXXX XXXX. Now they illegally reported to the Credit Bureau of delinquent payments that brought my excellent Credit score down low. 
Now its a NOTICE OF DISHONOR BEFORE COMMERCIAL LIEN contract revoked Rejected and denied UCC3-503 UCC1-503

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC
State: TX

Complaint narrative:
They sent repeated texts and calls giving no background information on who they are. This is XXXX with DSR. Please give me a call back Have no clue who DSR is. Plus, the numbers they were calling on were all different or didnt work. However, they called my mom and revealed to her I had a loan with them to pay, which is illegal. You are not allowed to do that or tell third parties about the debt. 

I assumed fraud and reported them to the FTC and FBI. 

Additionally, they were very rude to me, dismissive, abusive, smug and XXXX to me on the phone. They have now allegedly verbally told me they are issuing a cease and desist with me because I am being ridiculous. Weird because they are the ones who have been harassing me and my family. XXXX accountability for their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Hello, I was scammed on XX/XX/24 when I received a text message from Chime, my banking company, asking if I attempted a {$400.00} purchase from XXXX and to respond yes or no. I responded with a No. I then got a text right back that a representative will contact me shortly. 

A call came in, from someone that I thought was a rep from Chime. He new my name, my phone number, who I bank with, etc. Please note I have had numerous fraudulent charges on my Chime card in the past, of which I have had to dispute. At one point someone in XXXX Florida was using my card. 

The rep stated the charge was attempted in XXXX Florida. With that info, I was convinced this was a Chime rep. How could he know I previously had my account compromised by someone in XXXX Florida? 

Because my account had been compromised numerous times previously, I understood why they wanted to open a new account for me, which is what this person was telling me. 

I agreed. He gave me instructions on where to go on the app to complete the process and then my {$4900.00} was gone and the call abruptly ended. I called Chime back ( or so I thought ) and was told that I was a victim of a scam. I filed a dispute, which was denied. 

I also filed a police report on XX/XX/24. I called Chime today to dispute their denial. I gave them the police report # and the dispute is being re-opened. But have little hope of getting my money back. 

I am filing this complaint for a couple reasons ; 1. I want my money back 2. I feel that Chime is either in on these scams, or are not secure enough for my info to be protected. This guy new my info!

Please help : (

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXXXXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Once again they have refused to investigate an error claiming they have already investigated it.. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies. Any attempt at filing a dispute will result in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. I have provided them with proof that the account was paid off. They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over 100 points higher than Experian because of the errors they refuse to investigate. You have multiple cases filed by me against them. EVERY SINGLE TIME A CASE IS ATTEMPTED TO BE OPEN BY ME OR IS FORCED TO BE OPENED BY YOU MY FICO CREDIT SCORE IS LOWERED BY THEM FOR XXXX POINTS. THIS HAS RESULTED IN MY CREDIT RATING GOING FROM Excellent TO FAIR. This has now been filed with you XXXX prior times. .All XXXX prior times resulted in my credit score being lowered by them for no relevant reason. There are and were no changes made to my credit report that would warrant my credit score to be lowered, You have done nothing to hold them accountable for willfully violating federal laws. At this point I plan to contact the Ohio State Attorney Generals office and see about filing charges against Experian and possibly this agency for failing to do your job.

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 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
Every month when I go to make a payment online I have to make a new password every time. I will write down the new password and user name for next month, but it never works month after month.This is now the 5th time of changing my password in 5 months of this new house I have had XXXX XXXX before with another house and they still have info about the loan after years of not servicing the loan. when I call and ask them about it no one knows why they still have that information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.

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 2024-02-10 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-10 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
XX/XX/XXXX New Rez bought my mortgage from XXXX XXXX, XXXX and became my new servicer XX/XX/XXXX Ltr from New Rez stating my property insurance policy address was incorrect. Asking me to correct it and stating they required a copy of my " full policy ''. I was unsure what was being requested as I had never been asked this by a mortgage servicer. I called the person who helped me refinance my mortgage in XXXX and he said he thought they might be asking for my home owners master policy. I mailed out a copy of that policy and a note stating that I live in a condominium complex so the homeowners assn policy was correct in listing just the main address of the complex. The policy showed that it was from XX/XX/XXXX through XX/XX/XXXX. 
XX/XX/XXXX Ltr from New Rez saying they were " working to gather requested information and would forward to me as soon as possible. '' XXXX XXXX Ltr from New Rez " due to the complex nature of this matter, New Rez respectfully requests additional time to fully respond '' XXXX XXXX Ltr from New Rez " we're working to gather requested info. '' XX/XX/XXXX Ltr from New Rez " Records show your homeowners ' association hazard insurance expired. We plan to buy insurance for your property. '' XX/XX/XXXX Ltr from New Rez " Due to the complex nature of this matter ... '' XX/XX/XXXX Ltr from New Rez stating " This is a 2nd and final notice re : homeowners ' association hazard insurance expired. '' XX/XX/XXXX I reached out to my management company and they assured me that the coverage had not expired and coverage was in place through XX/XX/XXXX, Also contacted XXXX XXXX agent who called New Rez and provided proof of my full coverage. 
XX/XX/XXXX I sent a letter to New Rez demanding remedy after I had provided proof of personal and HOA coverage multiple times and New Rez overpaid my personal coverage from escrow. 
XX/XX/XXXX Ltr from New Rez saying no proof of hazard coverage XX/XX/XXXX I emailed my XXXX XXXX agent asking for their assistance. 
XX/XX/XXXX Ltr from New Rez stating lender-placed insurance coverage put on loan. 
XX/XX/XXXX XXXX XXXX agent called New Rez and sent them complete coverage information. I was told I would receive a confirmation email from New Rez. 
XX/XX/XXXX Ltr from New Rez showing all the funds pulled from escrow over many months for " hazard coverage '' before any of this was sent to me. Also telling me I owe funds to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-02-10 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CO

Complaint narrative:
I do not have an account with XXXX XXXX XXXX XXXX. This company is based out of XXXX. I have never lived in the state of XXXX. The collection agency is located in XXXX XXXX,. I have energy through XXXX XXXX XXXX XXXX in the state of XXXX  for the last 7 years. This account was somehow opened in my old last name. This is considered as fraudulent. I do not know this company. XXXX XXXX XXXX has been my XXXX company for the last 7 years and prior to that would be XXXX XXXX XXXX XXXX which that account is in great standing. 

I do not use this old last name anymore and any accounts opened in this old last name are fraudulent. Last name was changed due to marriage and any accounts opened after 2016 in my old last name are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased something on my card, and I returned it they say I passe the 15 days return, and I ask where I signed for return, or did anybody mention that to me when I purchased ( no ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my 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 2024-02-10 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: PA

Complaint narrative:
I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXXXXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my 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 2024-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
They sent repeated texts and calls giving no background information on who they are. This is XXXX with XXXX. Please give me a call back Have no clue who XXXX is. Plus, the numbers they were calling on were all different or didnt work. However, they called my mom and revealed to her I had a loan with them to pay, which is illegal. You are not allowed to do that or tell third parties about the debt. 

I assumed fraud and reported them to the FTC and FBI. 

Additionally, they were very rude to me, dismissive, abusive, smug and cocky to me on the phone. They have now allegedly verbally told me they are issuing a cease and desist with me because I am being ridiculous. Weird because they are the ones who have been harassing me and my family. Zero accountability for their behavior.

Company response to consumer: Closed with explanation