vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: MD

Complaint narrative:
Nelnet did not generate an XXXX statement and was unresponsive when I requested the XXXX statement. I have been showing late every month despite paying my loan. I have been unable to obtain a response from Nelnet on why payments are not being applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been with XXXX  XXXX XXXX for over 25 years I would say maybe 2 years ago I requested a Credit Card with a small limit and waited for a response... ..Soon after i noticed that {$19.00} was taking from my Account and suddenly this was taking every month, so after some research i noticed that it started On XX/XX/XXXX. I reached out to XXXX  XXXX XXXX by phone and they mentioned they had no idea of this and suggested i reach out to this company which is called Trans-Union who claim to be a Credit Checking company who works for XXXX XXXX  XXXX XXXX I now made a call to XXXX  XXXX XXXX who denies they work or Affiliated with this Credit Service. 
Trans Union Charged my Card every month starting in XXXX to the End of XXXX After a year of more research it turns out XXXX  XXXX XXXX does use Trans Union as a service. so in the end it seems XXXX  XXXX XXXX was aware of this and did not help with the Fraud this company has been apart of, I have never signed or verbally agreed to and Credit evaluation or checks with Trans Union..The Total amount they stole from my Account is in XXXX {$140.00} .... XXXX {$230.00} ... XXXX {$230.00} ... XXXX {$230.00} This Totals out to {$710.00} which Trans Union has Taken from my account without Consent or approval either verbal or written... I honestly hope to here back from you and would really hope you can help with this matter... I am just a small time consumer who is getting taken advantage of by these larger companies, who prey on the smaller consumers who do not have much to begin with ... .Thank you 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 2024-04-13 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: NY

Complaint narrative:
This account was charged off on Experian on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX  120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on XXXX it is reporting 120 days late in XXXX XXXX, 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX.On experian it is showing 6 Potentially Negative Months, On XXXX it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on XXXX it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX  -Account Number XXXX Enclosed is a copy of my most recent credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received a service on XX/XX/2023 from a XXXX member and it was not done correctly/properly, I have been fighting back and forth with XXXX and Navy Federal Credit Union ever since. I reached out to the servicer ( " XXXX XXXX XXXX XXXX  ; XXXX contact : XXXX XXXX, XXXX ) the following day XX/XX/2023, about my unsatisfactory experience, and although she first suggested that I could come back in and get it redone, we had a disagreement of what I originally asked, I asked for a refund and she said that she would give me a partial refund ( not even half of the cost ), but she has yet to do so since. She has also stopped communicating with me to resolve this issue. When I paid for the service, I paid through my banking organization ( Navy Federal Credit Union ) that had a partnership with XXXX. Since I paid through my banking app, I originally reached out to my bank via email and over the phone and asked for a partial refund ( {$130.00} ), but they told me that because I sent her money through the XXXX section on my banking app, it's a " P2P '' purchase and I would need to work it out with the seller and/or XXXX. Unfortunately, the seller/servicer is not returning my calls or messages anymore, so I reached out to XXXX 's customer support via email and their phone service multiple times now. XXXX told me that I have to work out it out with my bank. I told them that my bank told me that I had to work it out with XXXX or the servicer, and I had already informed them that the servicer is not trying to cooperate with me at all. XXXX gave me no resolution whatsoever, and essentially implied that I was going to be out of my {$240.00}. I also filed a complaint with the XXXX XXXX XXXX for the servicer ( SXXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union, and XXXX 's owner XXXX XXXX, but none of the complaints have resolved anything.The servicer refuses to acknowledge that the service she provided is not what I asked for or what was promised, and no matter how many times I try to reach out to her through her phone or her social media accounts, she's ignoring me. Navy Federal Credit Union nor XXXX is not providing a solution to the servicer after all these months no matter how many times I try to make a complaint! My bank continues to tell me that they can't do anything because it's considered a P2P charge, and XXXX won't do anything because it was purchased through my banking app. The service was a scam because I did not receive what I was promised or paid for!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Galaxy Capital Acquisitions, LLC
State: NY

Complaint narrative:
PRE LAWSUIT NOTICE/ OPPORTUNITY TO CURE Galaxy International Purchasing , LLC XXXX You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ), see letter you sent which is attached to complaint, you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

In addition Galaxy International Purchasing , LLC engage in any conduct ( communication ) to harass, oppress, and abuse i the consumer in connection with the collection of a alleged debt, as shown in attachment to complaint your communication letter sent to i the consumer, pursuant to 15 U.S. Code 1692d ( 2 ) The use of harassment ( communication ) obscene or profane language 9stating i owe you a debt ) holds you liable to fines up to 1,000 pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such actions from Galaxy International Purchasing , LLC I the consumer pursuant to 15 usc 1692c ( d ), Pursuant to 15 usc 1692c ( c ) i am refusing to pay this debt and demanding you to cease all communications pursuant to 15 usc 1692a communications means the conveying of information regarding a debt directly or indirectly to any person through any medium including any and all including consumer reports, consumer reporting agency, debt collectors, family, friends, associates, social media Pursuant to 15 usc 1692c ( c ) ( 2 ) i am invoking my specified remedy as the creditor who created this debt, Pursuant to 15 usc 1692c ( c ) ( 1 ) i am demanding you to terminate all debt collections efforts send account back to creditor notification shall be complete upon receipt of letter With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CT

Complaint narrative:
Dear Trans Union, XXXX, and XXXX, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

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 2024-04-13 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: NY

Complaint narrative:
This account was charged off on XXXX on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX  120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on Transunion it is reporting 120 days late in XXXX XXXX  120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX XXXX it is showing 6 Potentially Negative Months, On XXXX it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on transunion it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent 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 2024-04-13 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: NY

Complaint narrative:
This account was charged off on XXXX on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX 120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on XXXX it is reporting 120 days late in XXXX XXXX, 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX XXXX it is showing 6 Potentially Negative Months, On Equifax it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on XXXX it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to XXXX. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that XXXX rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am deeply dismayed by the situation at hand. Despite having diligently fulfilled my mortgage obligations through conventional means, without any involvement of foreclosure proceedings, I find it exceedingly frustrating to encounter erroneous remarks suggesting otherwise. I possess verifiable documentation attesting to the full settlement of my payment to XXXX. 

The presence of foreclosure-related comments on my credit report is not only inaccurate but also poses substantial challenges for me. As such, I insist on their immediate removal to accurately reflect the true status of my loan. It is imperative that XXXX rectify this matter promptly and ensure the integrity of my credit history is upheld without further delay. 

The verbiage on the status of this account is incorrect and improper, I NEVER experienced foreclosure proceeding and the credit bureaus should update and correct this matter. I have all documentation to fix and verify full payment of this loan.

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 2024-04-13 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: MOHELA
State: CA

Complaint narrative:
I am having issues with Mohela posting my payments on time to my account. To stay current I always make my payments before the due date. I made a {$500.00} payment to Mohela on the first of XXXX. XX/XX/XXXX came around and I called to ask why my payment was not posted. The customer service rep apologized and explained that it takes up to 3 days to post. I explained that I didn't want this reported to my credit report. She specifically said that she was new and that the call was being reported for training purposes and explained that her supervisor was there to assist. She said it would be posted to my account and would not reflect on my CR as being late. I waited a few more days. I went back to check my account on XX/XX/year>. I am still receiving communication that my account has been reported to a collection agency to collect. The amount was posted to my account on XX/XX/year> and then reversed on the same day, now the balance was over {$950.00} showing in late status. I have sent emails and calls forwarded to automated service. I sent two more payments, one of {$950.00} and another one in the amount of {$1000.00}. The {$950.00} showing was received on XX/XX/year> and now the account is still showing a negative balance. My balance should be current and then some for the next upcoming months. My concern is my credit report, where is the {$500.00} that was retracted and the {$1000.00}? I understand this is a new platform being transitioned but this is ridiculous when you have customers trying to get issues rectified via phone, email system, or any other means to get this resolved and you are being ignored with no response but a collection agency threatening your credit. If you go back and look at my history before the transition and now I have had and maintained an excellent payment history even through this crazy government outcome. I never asked for assistance in repaying my government debts and I think it's unfair and unacceptable for my account to have come to this and can not get any assistance to resolve this issue within XXXX months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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.

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 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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.

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 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
There was fraud that occurred on my IKEA Projekt Credit Card. Everything was resolved, but when the fraud occured they had credited me twice which trigged their system that I made a payment for the remaining of my balance. After updating and getting the actual amount owe, I was being charged interest for the amount I owe, which I was on a 0 % interest promotion until XX/XX/XXXX. I have contacted IKEA Comenity since XXXX and have not got a solution or an update regarding this issue. I been charged interest since XX/XX/XXXX. 
The following date and amount I been charged interested from today : XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed several letters to remove incorrect or illegal information from my credit report. They received the letters but stated they do not think I sent them. Even tough I sent my ID and address verification with the letters. 

I called them to confirm it was me, as they requested in the letter they sent back to me, and they stated they would not be addressing my complaints.

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