vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
When I submitted my Notice to Vacate via email, I was not informed of any impending lease termination fee, despite having resided at the property for three years. According to the Lease Agreement, termination requires completing the initial 12-month lease term and giving the Landlord thirty ( 30 ) days ' written notice before moving out. The lease provided to the collections agency was signed on XX/XX/XXXX, and my move-out date was XX/XX/XXXX. I included my forwarding address, phone number, and email in my notice to vacate. However, I never received a bill before the account was sent to collections, denying me the opportunity to dispute the charges directly with the management company.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I recently had a transfer out of my spend account on XX/XX/2024 along with a fee totaling XXXX and was designated to pay my rent today. Apparently the fraud department did not thoroughly investigate and has accused me of stealing my own money. I was also informed there is no time frame on how long it will take to re-investigate. I am extremely upset ; customer support couldnt even tell me why so I could find out if I have an identity theft problem going on. I have reported this issue to the XXXX, FTC and also the Attorney Generals Office of South Carolina. I also filed a police report yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
A company called XXXX XXXX promised a contract that stated participants had the opportunity to buy marketing campaigns in exchange for a share of the profits. The company was run by XXXX XXXX, a resident of Virginia who is now on the run from federal authorities, and XXXX XXXX, who is now " no longer affiliated with the company, '' per sources. They convinced me to sign the contract and used me to get a loan from a company to pay for the service. The account under which the loan is serviced is now run by Universal Account Servicing, a company that has been uncooperative with my inquiries and has not taken investigative account while basically opening a token support ticket to try and keep me quiet. 

The company, XXXX XXXX, stopped the service without warning and disappeared, despite the contract we had stating that " at any point, the client can be entitled to a refund and be made whole '' if you send them an email with the key words to their support line. I sent the email and received no response for months. I have very little money and can not afford to pay this loan as it was under the condition that a money making service would be provided. 

The credit amount from UAS was for {$16000.00}. The original loan, however, came from a company called XXXX, and they transferred the account to a new service without my knowledge. The financing application was approved on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
NelNet student loan servicer transfered my loans over to XXXX. Afterwards, I received student loan forgiveness. The issue is that NelNet is double reporting my student loans eventhough they no longer service my loans, even with the PSLF forgiveness.

The loan amount shown on my credit report has almost doubled. It shows that the loans were forgiven and then added back to the original balance before the forgiveness. All NelNet balances should be closed/transfered and my balance should read almost $ XXXX instead of over XXXX. 

The studentaid.gov, XXXX and NelNet websites reflect my transfers and correct balance, but are failing to correctly report it to the credit bureaus. Nelnet says they were unaware of the reporting. 

XXXX has tried to dispute it, but says NelNet has not made the correction. However, XXXX left me an message saying that the information was updated, but yet the balance and NeltNet still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have did several disputes with Experian and they have violated so many laws. When I have disputed the Bankruptcy on my credit report, how it is coming back verified is a pretty SUSPICIOUS thing! The United States Bankruptcy court does not report any information to the credit bureaus and IS NOT responsible for verifying OR validating information from consumers ' credit files. Please report back to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Delete all inaccurate information that I have disputed because clearly the verifying and validation tactics Experian use are incorrect and inaccurate. Also, BY LAW & THE FAIR CREDIT REPORTING ACT you all are suppose to be reporting close to the other credit bureau and as I see here XXXX is the ONLY one reporting correctly so therefore, YOU ALL NEED TO REPORTING THE SAME INFORMATION AS 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The personal data within these papers isn't mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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 sent a letter certified mail XXXX on XX/XX/2024 with documentation of a medical collections account that you are reporting on my credit report. This account needs to be removed from my credit report immediately because it is inaccurate. I asked for " validation and not " verification '' of debt. California XXXX XXXX provided me with information that clearly violates my XXXX rights. You are required to delete this account immediately upon receiving my letter. Experian, you have had more than enough time allowed by law to investigate this account. You have failed to provide any proper due diligence from your investigation. Delete this inaccurate account from my credit report immediately.

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 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
this credit card was opened without my knowledge and first time im seeing a collections notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The company ( XXXX XXXX Mr. Cooper ) misapplied my XX/XX/XXXX mortgage payment, by applying the entire payment to principal without direction. They then notified me that my regular payment was overdue. When I called them about it, they reversed the action and a late fee, but lost {$200.00} in the process. I have called them 8 times, twice speaking to their 'resolution ' team, and each time was told that this was their mistake and would be corrected. This has been going on since XXXX XXXX, and my account is still showing {$200.00} short, OVERDUE by 30+ days, and it has effected my credit rating. The regular payment amount is {$2800.00}, and was posted to my account on XX/XX/XXXX. The amount misapplied to principal was {$2600.00} ( {$200.00} less ). Currently there is {$2600.00} in my account showing 'unapplied ', and my account is still showing {$200.00} short.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
when i found out i was a victim of identity theft, i contaced the bureaus. I did exactly what they instructed me to do. However the fraudulent accounts have not came off

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 2024-03-05 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: CA

Complaint narrative:
when i found out i was a victim of identity theft, i contaced the bureaus. I did exactly what they instructed me to do. However the fraudulent accounts have not came off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XX/XX/2024 I have approximately USD XXXX in my Marcus by Goldman account. 

I attempted to withdraw XXXX from the account. I have an immediate need for this money. 

I was locked out of the account. 

I called the helpline. The helpline attempted to verify my identity with a series of questions and then a pin sent to my mobile. I gave the last 4 digits of my SSN, my birthday and a secret word. I confirmed that the mobile number they had on file was my mobile number. They were unable to confirm my identity because I did not receive the pin. I was told I could call back to try again.

I tried to called again but was told my case is under review. They did not provide an alternate means to confirm my identity. They did not provide any more information. 

XXXX. There are no physical branches where I can confirm my identity and no other means by which they could confirm my identity ( e.g. documents like my passport, sending XXXX through the Marcus app, XXXX through email ). XXXX. There is no email for me to send an official request. XXXX. There is no platform where I can see the status of my request. 

The representatives I talk to are XXXX, XXXX and XXXX. All were unable to provide satisfactory service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: SD

Complaint narrative:
I have tried multiple times and was unable to get a hold of the servicer from XXXX to the present. They have it listed online due to high call volumes. Customers are not able to get a hold of them. During this timeframe, I was charged a lot of interest from them. It has accumulated {$510.00} of interest. I applied for the XXXX XXXXXXXX in XXXX and they finally processed it in XXXX. During that time, I filed a complaint with the Department of Education on XXXX Feedback Case # XXXX. It's still being reviewed and no action. On XX/XX/XXXX, I was able to get in touch with the customer service department and there wasn't anything they could do about the interest. I spoke with a supervisor and she said they would process a complaint about the interest and would be reviewed by federal student aid. Overall, the whole process has been a headache and very time-consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank failed to pay my Real Estate Tax when there was sufficient funds in my escrow account to pay the tax. Consequently, I received a Delinquent Tax Statement from my county charging me penalties and interest. Today I discovered that my XXXX Credit score went down XXXX points due to the Delinquent Tax Statement. I want to have my Credit score restored as it was before the Delinquent Tax Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was put a hold on XX/XX/XXXX and they stated that the hold would be removed on XX/XX/XXXX and now they have extended the hold until XX/XX/XXXX. They keep charging the monthly service when I dont have access to the account and the account is already closed in their system.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I co-signed a student loan for my then daughter-in-law for approximately {$13000.00}. I was assured that if the loan was in good standings after 5 years I would automatically be dropped as the co-signer. The loan has been in good standing up until early last year ( XXXX ). The balance is now greater than {$16000.00}. I believe the loan has changed hands multiple times, so when I got notice of a default I was surprised. I wrote their collection agency a letter giving my response as to why I didn't think this was my responsibility anymore and they responded that given the information I provided they were referring the matter back to the current loan holder, Firstmark Services. I have moved since this loan was originated and no longer have the documentations as to my loan agreement and responsibility. I am almost XXXX and XXXX. There must be some statute of limitations or something that provides me with some form of relief or assistance. My former daughter-in-law has made new arrangement on the loan, but they should be between her and them. XXXX years is unconscionable and the fact that after years of paying on this loan the amount is now greater than the original loan. The account number for this loan is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I contacted the company to get my XXXX report but due to me having a new last name they haven't updated it at all, I explained to them that I sent in my information but it wasn't updated at all. I can't apply toanything due to this because they have no record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I am informing you of collector harassment with One main financial XXXX XXXX XXXX XXXX mi XXXX I canceled ( XXXX ) single payment on XX/XX/2024 in the amount of XXXX on a loan ( this option is available in my loan agreement ) XXXX XX/XX/XXXX, I have been called 3 to 4 times a day, plus 1 to 2 text messages every few days, Monday thru friday, morning, XXXX, and night ( calls are prior to XXXX ) every single weekday, and still to this day. I missed a payment due to my mother 's heath declining, but have resumed regular payments again with the company one main financial on XX/XX/2024 for the full payment amounts of XXXX, but the calls are still everyday morning, XXXX, and night 3 times a day every weekday, and even on a saturday. Regarding the missed payment in XXXX. They have a " cancel payment " option on their payment agreement with myself, but nothing that says if you miss/cancel a payment we will non stop hound you for your miss payment. I have contacted my phone provided to obtain the call records from the phone number that one main financial in XXXX mi calls from as well as the text messages for proof of collection harassment. I have attached the calls that I have logged on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.

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 2024-03-05 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-05 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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