vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I requested documentation asking them to show me where I signed a contract with them ( I.Q. Data International , Inc ) and I asked them for proof that they are legally authorized to collect in the state of Georgia and balance breakdown of ALL charges. Theyve violated my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692 ( g ) Section 809 ( b ). I was also violated because under U.S.C. 1681 Section 602 ( a ) states I reserve the privacy and I asked for them to remove this from my credit since I didnt give them written consent to furnish this account, under U.S.C . 1681 Section 604 ( a ), this is my right and Ive been violated by this company. This company is also violating me because they arent even licensed to collect debt in the state of Georgia. I didnt get any of the information I requested from this company to show prove that they arent violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
I have two hard inquiries on my account for a Credit Card with this is company, and I never applied for a credit card with this 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 2023-10-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Rental agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX Account XXXX Date opened : XX/XX/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 2023-10-02 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: CO

Complaint narrative:
Nelnets website has been having technical issues. They requested I set up autodebit online and the option is unavailable. The entire site is currently down. I have submitted my pay stubs multiple times and they have yet to update it in their systems. Trying to make a payment of any sort is also impossible. I have been calling their phone and I have sat for HOURS and have been unable to reach a representative to solve these issues. I work in credit repair, and I know what a late payment can do to your credit scores. They simply do not care. They want to rake in money without paying employees to man their phones or fix their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
I have problems with my credit since they put accounts there that belong to my father, they are not mine. I need them to verify both files and put what corresponds to me

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 2023-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Hi my name is XXXX XXXX and I just sold my home in XXXX the loan was with Lake View and I was working with XXXX. I started working with XXXX back in XXXX and he told me that I will have to sell my home in XXXX  in order to purchase in XXXX XXXX due to a job change. So I sold my home and applied I met the credit requirements and he denied me for DTI ( debt to income ). He did not even try to assist me but ask for the home disclosure from the sale of my home in XXXX. He flat out lied because I have just closed on a new home XX/XX/2023 with a different lender. If I did not have the mind to apply with a different company I would have been homeless. My issue is they had me to sale my home and did not follow through with my new mortgage at the last minute.

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 2023-10-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
LEXISNEXIS provided erroneous information to XXXX XXXX XXXX resulting in insurance premiums being doubled. LEXISNEXIS reported a person named XXXX XXXX XXXX as living at my address. No such person exists at my address. This person has a horrible driving record so XXXX XXXX XXXX added them to my policy and doubled my policy premiums. I do not know who this person is and no such person lives in the building.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I got so many hot inquires most of those I do not recognize those

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 2023-10-02 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I got so many hot inquires most of those I do not recognize those

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX Hard Inquiries that I did not apply for : Barclay Bank Delaware Barclay Bank Delaware 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 2023-10-02 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: VA

Complaint narrative:
Was on the REPAYE plan making payments of around {$30.00} per month, and was automatically switched to the SAVE plan but now my repayment is {$280.00} a month.

There is no explanation to the miscalculation, none of my financial information has changed ; the SAVE plan is supposed to be lower than what I was making under the REPAY plan. 

Hours on hold, only to be helped by customer service agents that are " being trained by their mentor '' except the mentor is not on the phone call.

Waiting for my " new '' IDR to be processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MI

Complaint narrative:
Information not correct reporting wrong amount incorrect information on all of credit reports

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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bell Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/2023 I started to receive calls from this company and when I answered the phone I told them not call me again. I have never received anything concerning a debt from this company before they started calling me. I had to look up what this company does. I have received XXXX calls from them at telling them on the phone " NOT TO CALL ME ANYMORE '', which under the law they have to. I don't ever want this company to call me again and if they say I have debt with them, tell them that they never sent me anything concerning before they started calling, as per the law, which they are required to do so. I have never been given the right to dispute any debt that this company is trying to collect.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XX/XX/2023 Comenity Bank/BRYLNHOME Comenity Bank/JCREWINC Comenity Bank Express Comenity Capital Bank Comenity Bank , XXXX XXXX XXXX, XXXX, OH XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently ordered a new credit report and noticed it contains late payments as well as collections reported as late as XX/XX/2023 for my J. Crew, Express, as well as XXXX XXXX XXXX account. I want to also mention that I have since paid off these obligations. 


I want you to know that I understand my financial obligations, and if it werent for certain circumstance such temporary unemployment and having to choose whether to make my card payments or feed my family, in which caused me to miss Id have an excellent repayment record. I made a mistake in falling behind, however, again I have since satisfactorily paid off these accounts and have maintained good money management. So much so that, since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage in the next month or so and its come to my attention that these accounts are currently reporting as derogatory on my credit report in turn affects my ability to qualify. It is my idea that, my failed commitments in the past does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the derogatory status on the above said accounts. 

Thank you for your consideration, and I hope you will approve my request. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A few weeks ago, I was completely locked out from my Venmo account. After submitting a complaint on this platform, I got a call and I was able to login on the app after about XXXX weeks. I am still having a problem logging in on a website or having a connection from 3rd party application - XXXX XXXX XXXX XXXX. I am getting XXXX error. It is critical for me to access Venmo from a browser and have a connection from XXXX products. Venmo is not communicating about the ongoing issue and there is no estimate for when it will get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: U.S. BANCORP
State: IL

Complaint narrative:
i have been charged for almost XXXX XXXX in charges. i have told US bank that these charges are not valid charges they refuse to even ask these companies to provide proof, i have filed a police report and have asked numerous times to dispute these charges. i have entrusted this bank with my money and they have not followed any laws and denying my legal rights. these charges are fraudulent and i want my money returned to me

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 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: KEYCORP
State: NY

Complaint narrative:
We had a 15 year commercial loan on our real estate office. We sold the building after 6 years and paid off the balance of the mortgage. We were charged {$25000.00} pre-payment penalty on the balance of {$210000.00}. The original loan was for {$300000.00}. The note on the mortgage that was signed was very ambiguous and we never expected this huge prepayment penalty. We have been customers of this bank for over 45 years, and had all of our accounts with them. 
We were referred to you by XXXX XXXX XXXX XXXX XXXX, since this is not in their jurisdiction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have been receiving threatening emails and login-pop ups about negative credit reporting to my bureaus if I am unable to make my account current as I believe at the time was 30 days late. I saw on Bridgecrest 's website that they offer an extension where I can roll my XXXX payments to the end of my loan making me better than current. I applied and was told it would be decided in XXXX hours, that didn't happen. I kept calling all of last week and over the weekend and to final avail, nearly a week after asking for it, I am told WITHOUT REASONING it was denied and now I am late. I was assured over the phone that my credit bureaus will not be touched by Bridgecrest hopefully on all recorded phone calls. 

Today I received some rep who was very confusing to speak to and kept making demeaning statements to me and then kept saying " yeah '' after everything. The frustration and lack of understanding led me to terminate the call and to seek the CFPB 's help in finding out why I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Report number XXXX & date XX/XX/23 Report number XXXX & date XX/XX/23 in violation of the hero 's act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
# # # The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company has been incorrectly reporting to me a score based on 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 2023-10-02 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX [ XX/XX/2021 ], I entered into a lease agreement with XXXX XXXX XXXX for a one-year lease, which I paid upfront in full. Unfortunately, my experience at XXXX XX/XX/XXXX took a very distressing turn due to a series of events beyond my control. 

During my time at the apartment complex, I became the target of unwelcome and frightening harassment from an individual residing in the same building. This person not only stalked me but also committed theft, including stealing personal items such as underwear from the laundry room. I promptly reported these incidents to the leasing office at XXXX XXXX XXXX, hoping that they would take the necessary actions to ensure my safety and resolve the situation. However, despite my numerous complaints, the management did not adequately address the issue or provide me with any sense of security. 

As a single woman living alone, I began to fear for my personal safety and well-being. The stalker knew where I lived, and the situation escalated to the point where I genuinely felt my life was at risk. Under these terrifying circumstances, I reluctantly made the difficult decision to vacate the apartment for my own safety. 

I acknowledge that I neglected to provide the required three-month notice for lease termination. However, I believe it is essential to understand the extraordinary and compelling circumstances that led to my departure. I firmly believe that my decision to leave the apartment complex was a matter of personal safety and security. 

I am kindly requesting your assistance in pursuing a goodwill deletion of the outstanding debt associated with XXXX XXXX XXXX. I understand my financial obligations, and I am committed to fulfilling them to the best of my ability. However, I hope you can empathize with the exceptional circumstances that prompted my early departure. 

A goodwill deletion would not only provide me with some relief from the financial burden but also enable me to move forward with my life with a sense of closure to this unsettling chapter. I have learned from this experience and am eager to rebuild my financial stability. 

Enclosed with this letter are supporting documents, including incident reports filed with the leasing office, which substantiate the claims I have made about my unfortunate situation at XXXX XXXX XXXX. I kindly ask that you review these documents and take my plea into consideration. 

I am grateful for your understanding and assistance in this matter. Please feel free to contact me at XXXX or via email if you require any additional information or documentation. 

Thank you for your time and attention to this request. I look forward to your positive response and resolution of this issue.

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