vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
About XX/XX/2023 I recieved a letter from XXXX XXXX XXXX who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then XXXX refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
About XX/XX/2023 I recieved a letter from LVNV Funding LLC who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XXXXXX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then LVNV refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The vehicle in question was purchase in XXXXXX/XX/2016 I was not in the country because left to work overseas inXX/XX/2016. I submitted the police report and a signed affidavit to complete the investigation. This loan was obtained fraudulently,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: LA

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 2023-10-20 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: NY

Complaint narrative:
On XX/XX/2023 I submitted a request, through FSA, to have my loans placed on the SAVE plan. Nelnet, my student loan servicer, did not process my request. On XX/XX/2023 I submitted a second request, again through FSA, to have my loans placed on the SAVE plan. Again, Nelnet did not process my request. I have now made approximately 12 calls to Nelnet to rectify this issue. Each time, Nelnet has told me that the application is pending, but that it would be processed and my amount due would be updated. I received this feedback on each call, except the final call I made, during which Nelnet told me that they would be unable to process my request to transfer to SAVE until after my payment was due. Months after my initial request, Nelnet still could not process a simple application to switch to the new plan. Nelnet 's solution on this final call was to place my account back into forbearance, accruing daily interest, until they could process my application in XXXX. But they could not even do that correctly. It has now been two weeks since that last call- and one week until my payment is due - and my account is still showing as standard repayment with a payment due XX/XX/XXXX. I have received no written correspondence from Nelnet. I have received no calls from Nelnet. My only recourse is to call on a regular basis, sit on hold for hours, speak to a representative who assures me the problem will be fixed, and check my account day after day as my payment date looms. If Nelnet is unable or unwilling to service student loans, particularly at a time when borrowers are reentering payment, then the government should not allow them to do so. The amount of stress that this process has caused and continues to cause is unacceptable, both on the part of the student loan servicers and our government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc.
State: TX

Complaint narrative:
I sent a letter to Conn 's that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions.

Conn 's has reported 3 accounts to the 3 bureaus. Initially all 3 account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to XXXX and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, Conn 's was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked Conn 's to reverse the late payments to OK or paid as agreed.

Conn 's decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: AL

Complaint narrative:
XXXX XXXX XXXX Is constantly posting on my report after I ask them to show Me proof with my signature stating that I own that debt. I do not owe them no type of currency at all why it was deleted from my other reports because they seem that account was inaccurate but some how it pop bck up on my Experian only but still lack of proof to say its mine. Its hurting my score tremendously n stopping me from being able to provide for my family I will sue for every violation thats committed on my consumer 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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-20 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE OMBUDSMAN DEPT. TO AUDIT MY ACCOUNT AND INVESTIGATE XXXX MATTERS : XXXX. AUDIT MY ESCROW/INSURANCE ACCOUNT FROM YEARS XX/XX/XXXX TO XX/XX/XXXX. RUSHMORE SERVICING UNJUSTIFIED FEES OF {$140.00}, THEY OWE ME OVER {$8000.00} SINCE I HAD PROVIDED THEM PROOF OF MY OWN XXXX INSURANCE COVERAGE FOR MY XXXX XXXX, FOR SEVERAL YEARS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PENNSYLVANIA XXXX, POLICY XXXX. AGENT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE XXXX XXXX. I PURCHASED MY XXXX XXXX {$700000.00} MANY YEARS AGO PUTTING 20 % DOWN TO XXXX XXXX XXXX  XX/XX/XXXX TO ELIMINATE PROPERTY MORTGAGE INSURANCE OR LENDER PURCHASED XXXX DESPITE THAT THE BANK HAS BEEN CHARGING ME PMI HIDDEN FEES AND ESCROWED PMI AND THEY REFUSE TO FULLY CREDIT MY ACCOUNT OWING ME SEVERAL YEARS. PLEASE HELP, THIS MATTER IS UNETHICAL SELF SERVICING VIOLATING FEDERAL BANKING LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my Experian Report and XXXX Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( XXXX feeds off Experian and Experian Feeds off XXXX ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: MI

Complaint narrative:
I have a collection from XXXX XXXX and XXXX on my TransUnion credit report. This collection account never had a application, nor did I have any kind of account with that company. How did they all of a sudden put Negative, damaging, and Not my collection from that company, onto my TransUnion credit report. 

I have put in Disputes after disputes with TransUnion. They are not looking into this collection and realizing that I never opened any account with this company PERIOD. 

I ask that this XXXX be removed from my TransUnion 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My credit card was used to purchase items from XXXX from a fraudulent email address. My XXXX email address & the email address used are totally different. XXXX has told my telephonically that they could see that the email address was fraudulent. I've disputed 3 times with Barclays Credit Card but was denied as XXXX refused to credit the charges. I requested the documentation that was sent to uphold the charges from Barclays and the documents showed that the purchases were made from a fraudulent email address that had an IP address from a different state ( XXXX, IL XXXX reside in XXXX XXXX NY XXXX from where I reside. I've called XXXX several times to attempt to have them resolve with the credit card company Barclays Bank but they haven't resolved this. I've asked for a letter to give to Barclays Bank as XXXX has acknowledged that they could see the charges were fraudulent and they stated by phone they would send but still have not sent a letter. The charges were from XX/XX/ {$130.00} & XX/XX/ {$130.00}. Interest fees associated with the charges have also been charged.

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 monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have tried to use PayPal to move money and to pay for services. Both acttikns have been denied to me. They settled one issue momentarily but the same issue arose again and I have been unable to add funds to pay for certain items. I was then denied an extension of credit ; my credit standing was determined by a third party which I only consented too out of duress for the need of the item I was seeking to purchase for personal property concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
On my credit report it has been showing the loan going up every month instead of down. I want paperwork as to why. Then they told me they also added over {$600.00} to my loan because I dropped my coverage and I did not drop my coverage. I have not received an amendded loan or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company
State: TX

Complaint narrative:
The property in question was sold through a short sale in 2008. California has since outlawed the collection of a deficiency balance for a primary residence after conducting an approved short sale. Collection of this debt is illegal under California law and this company is now bringing it back and damaging my credit some 15 years after this transaction was completed. Unfortunately, given the age, I am no longer able to locate documents from the completed short sale though they have sufficient records to confirm the loan was closed and lien released based on an approved transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 explanation
Consumer complaint received 2023-10-20 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: NJ

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 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 2023-10-20 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX lied and stated the following were not be reported on my credit report. 

XXXX XXXX XXXX RESURGENT CAPITAL LLC XXXX XXXX AND RESURGENT were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as XXXX XXXX and RESURGENT CAPITAL LLC. 

This is FINAL NOTICE to remove stated accounts IMMEDIATELY! 

If not removed I will proceed with civil action as the same violations keep occurring. 

Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
Was transferring assets from a XXXX account to Etrade. The XXXX transwer failed, so etrade locked my account causing multiple items to bounce and fail charge. I have no access to any of my funds and no options on how to get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: FL

Complaint narrative:
First month that I'm supposed to start back paying on my XXXX loans. 

Last week I opened the website to see when my payment would be due, and everything was fine ( showed me the payment due amount and due date ). 

Now that area has an error note and when I try to go into " Make Payment '' an error screen pops up. I have images of everything if needed ( including exactly why the error is occurring ). 

Every time I try to call it is > 2 hours. I have unsuccessfully spoken with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HARD INQUIRES POSTED ON XXXX AND XXXX AS STATED AND DATED BELOW 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 XX/XX/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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
They reported in my credit file this account they are not mine : name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this and have no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Mohela is my XXXX loan servicer because I am enrolled in the PSLF repayment program. I enrolled in auto debit before my XX/XX/2023 payment was due. My account was not auto-debited. I was not notified at the time of enrollment that there could be any delay in auto-debit becoming active prior to the bill being due. I attempted to go on their website to obtain the information to contact the servicer directly about the issue on XX/XX/2023. All of the published customer service numbers are not operable. The phone line says that calls to those number can not be completed as dialed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This company is texting me wanting me to pay a balance for something that no longer exists. I have already reported two other companies on Consumer Protection for this very same debt. It seems as though this is just being passed around to different agencies and that is disgusting.

Company response to consumer: Closed with explanation