vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was contacted via the title company late XXXX for information regarding my current loan and a payoff amount. I am selling my home. Wells Fargo was made aware of this late XXXX. The title company then reached out to me mid XXXX to inform me that after contacting Wells Fargo to finalize details to pay off the loan that WF was transferring the loan to another party XX/XX/XXXX. 

I contacted WF as they would not provide my realtor nor the title company with further information or possible ways to resolve the issue. At this time I had not yet been notified regarding the transfer. I asked WF for a 24 hour delay as the payment was going to be submitted overnight the XXXX and received the XXXX of XXXX. They declined. They stated the check would bounce back and the buyer would need to wait 4-5 days before resubmitting to the new loan holder and that the pay off amount could change. 

I then asked when was I notified for this change, they informed me that hard mail was sent out on the XXXX ( received and dated the XXXX ). I have been checking my mail regularly and only received their notice yesterday. This falls short of the 30 day window to inform me of change in lender and has resulted in changes to the sale of my home. 

An email was sent to me regarding the transfer of the loan XX/XX/. 
Further documentation can be provided on request

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was charged a late payment, when in fact they were late 6 times trying to pull from my account.They owe for accessing my account, 6 times late from the date I requested for payment.They attempted 7 days later on one attempt, which seems to be manipulating late payments by not drawing on time to cause a late fee.Ive heard this from hundreds of customers on their tactics that they are using to cause late payments, because most people will try and close this account from this horrific company.They have some type of identifier, which seems to target subprime consumers with late payments .None of my other accounts are late, and there is no issue with payments within 24hrs.The amount is owed is only for annual fee.I requested that this account closed if they couldn't process the payments timely .I feel they have targeted me and other consumers for late payments.I will give them what they say I owe for annual fee, and proceed with legal actions against this Company.I want nothing to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
CONSTANT HARRASSMENT AND BULLYING FROM XXXX XXXX, GCCB ( Gulf Coast Credit Bureau. For 7 months now, over XXXX voicemails, calling my work number, and terrorizing me in the evening with my child watching my phone constantly ringing. 

I have no outstanding debt. They are FALSIFYING information and honestly, there needs to be a class action lawsuit against these terrorists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I just received a notice from Harvard Collection Services LLC dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX There is no such person by that name, but I am XXXX XXXX  so I will assume this is intended for me. 

This is an attempt to collect a very old FAKE debt from XXXX XXXX XXXX, which has never been substantiated by XXXX XXXX and was dismissed in my XXXX small claims case against them way back in XXXX. 

Ever since, XXXX XXXX has ignored the court 's ruling and continues to disparage and harass me by repeatedly sending a series of their collection agency goons after me every few months, each reflecting a slightly different amount to make it seem like it's something new or different. Harvard Collection Services LLC is the latest company they've suckered into chasing this fake debt.

Another problem for Harvard Collection Services is, this fake debt was already falsely reported to the credit bureaus by XXXX XXXX XXXX last year and I'm still fighting to get it removed. Therefore Harvard Collection Services claim is redundant. 

Note previous complaints filed on this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone tried to open a Chase Freedom Credit card using my Information on XX/XX/2023. This also happened in XXXX as well. The card was declined. I received a notice that my credit was pulled from experian and chase the next day. I called both Chase and XXXX to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of 12 time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I accepted XXXX balance transfer offers online for XXXX credit cards for companies owned by XXXX Bank, including XXXX Bank itself. Both offers were accepted for a transfer of {$15000.00}, per card. XXXX was with XXXX Bank directly for my acct ending in XXXX. The other was with XXXX XXXX XXXX ( XXXX XXXX ) who is XXXX by XXXX Bank. That credit card acct ending in XXXX. Both these balance transfer offers were available to me and within my credit limits. Their own written offer terms state the following : " Time frame : It XXXX take up to XXXX weeks to process your balance transfer. '' As of, today, XX/XX/XXXX, these transfers have still not posted to the account stipulated. I have called both XXXX Bank and XXXX ( XXXX ) on more than XXXX occasion since XX/XX/XXXX about this matter. The terms of the offer in XX/XX/XXXX was a 3.99 % transfer fee for 0 % interest through XX/XX/XXXX billing cycle. Which to me was/is 13 months from XX/XX/XXXX. They have since told me on the phone, " we're working on it, " we had a problem with balance transfers in XXXX, '' " we're sending the checks tomorrow, '' XXXX won't get 13 months you'll only get thru XX/XX/XXXX billing cycle. '' After all of this, the checks still haven't come and I am paying 9.75 % APR ( {$8.00} per day ) waiting on them. {$15000.00} from XXXX Bank. {$15000.00} from XXXX. {$30000.00} total. In the meantime, they have reduced my credit availability on these cards ( credit limits of {$20000.00} on each card ) to {$5000.00} available, per card. The {$15000.00}, per card, that they haven't paid is also being charged against my credit limits. This is all unacceptable.

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 2023-11-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Threatened to sue me without summons, clear violation of fdcpa, I called and they immediately try to ask about me paying meaning they havent sued meaning they threatened me without summons, from a debt which is over a couple years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2023 I submitted a complaint with the CFPB about an error code Please give us a call and give this code to the XXXX XXXX XXXXXXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

Equifax Responded with Dear XXXX XXXX, We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team. 

I don ' have a problem with logging in to my Equifax account, that is not the problem.The problem is that i am getting that error message above after I login into my account as if my report is blank or Equifax has had a data breach.I am asking Equifax to do a full investigation on the error code and fix my report so that it would not cause me any further credit damage.This is my second complaint about this error code. 

I need Equifax to fix this error : Please give us a call and give this code to the XXXXXXXX XXXX XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 

Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX XXXX XXXX XXXX ( ET ) Saturday and Sunday. 

This is my second attempt to fix this ongoing problem.I hope Equifax understand what I need corrected this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MA

Complaint narrative:
Nelnet will not process my SAVE application. I initially applied through the servicer on XX/XX/XXXX. I believe I gave permission for them to pull my XXXX from the IRS, but I'm not sure. However, it took my application and gave no indication it needed anything else from me, in fact I received several hang tight emails with the subject " no action needed while we process your app. '' Well eventually I get suspicious, do some reddit research and it turns out that a common issue reported is the servicer claims its complete but you actually need to upload a copy of your 1040! I do that and I also apply through studentaid.gov. Then my account starts says " we received your application on XX/XX/28. '' So, the weeks I waited and accumulated interest was for literally nothing despite them telling me I was go to go. Yesterday, XX/XX/XXXX, I log on and it no longer mentions my application????? I don't even know what happening with my application now???? Is it in limbo??? Is it gone?? It's been MONTHS. I have accumulated {$2500.00} of INTEREST in that time. This problem costs me {$40.00} A DAY. And because they applied an administrative forbearance on my account, they removed the .25 % discount!! That only adds {$40.00} to my balance every month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i recieved a copy of my credit report and noticed 3 accounts on my credit report that i never applied for and never used these accounts are fraud all these 3 companies have been contacted and have tried to fix it with the companies

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 2023-11-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
On XX/XX/23 I received an email that states that my application was approved then a following email stating that my application was denied based on bank account activity. I never authorized an application or an hard inquiry on my credit report. I have a fraud alert in my credit that request that lenders contact me to verify my identity and information before proceeding to open any credit. That never happened. Also, I looked on their website, and it says that checking eligibility doesnt affect FICO score, giving consumers the impression that there is no hard inquiry. So something is very dishonest and non transparent with Net credit. I called the company and did not receive any information XXXX inquired how this happened. I spoke to an agent named XXXX on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Apartment unit XXXX is uninhabitable stairway build too steep unable to come down or up, handrails were the wrong height and depth. XXXX is considered uninhabitable when they are dangerous, steep steps and handrails were wrong height and depth. Apartment unit infested with roaches and mice scattered all over the ceiling, walls, kitchen refrigerator, oven, and etc. It's not safe for me to live in these conditions, and wrote several email to Apartment complex manager of the roach and mice infestation and stairway and handrail build incorrect to height and depth. They never did implied to correct the issues. After my XXXX  I moved to a different Apartment Complex with XXXX accommodations and healthier for my health and rehabilitation.

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 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of XXXX time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time

Company response to consumer: Closed with explanation