vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
I have a collection from the freedom acceptance/military credit for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX  years since then but it shows that this was recently purchased. I have reached out to XXXX and XXXX via email with no response requesting for any information proving the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I asked that Convergent Outsourcing remove there collection from my credit report The Original Creditor is XXXX I have asked them to show my proof where is account is mine with paper work and why i never received the paper work showing the I own this account Then sold to Convergent with proof this account belongs to me So please remove account from my credit reports since proper paper work was not done to show This account belongs 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 2022-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I get calls daily from different numbers regarding an account for my mother who has been deceased for almost 2 years. I personally dont even have an account with Navient so I dont even know how they obtained my number. I tell every single about her passing. I tell them I have submitted her death certificate and all other documentation several times since XX/XX/2020. But somehow no one can ever seem to locate it. I verify her information every day and they still call. I ask them to stop calling me and I get more calls. Im still grieving and I hve to relive it over and over everyday dealing with them. Enough is enough. You got my cell number somehow but u wont update her account to decease and u wont give her account number, even though I verify everything. I constantly asked for the address, so much Ive memorized it before its even given to most days just to how many times I hve sent. Even sent a copy of the paperwork given administration of her estate which I kno is how they got my number Im sure of it. Yet nothing is on file and still call me 5 or 6 times a day, for almost 2 years. And text messages started about a yr ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to TELETRACK and there is no third party involved. TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NJ

Complaint narrative:
XXXXXXXX XXXX close my account without prior notice and send me email stating for me to call them that it's very important. Once the informed me that my bank account was closed and asking why their told me that I was high risk. I stated that my payroll will be deposit on XX/XX/2022. I ask to speak to someone in management I am waiting almost one hour to speak too someone, and final told me that can not re-open my account because risk management told them to close it. However, explained to them my check will be rejected and sent back to XXXX. Also, XXXX allows payment to go through too a company that got paid already twice.

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 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XXXX XXXX I signed a contract with XXXX XXXX XXXX  and Ally financial. I canceled the contract within the required 3 business days by email and phone with both companies. Ally continued to forward DocuSign documents emails thanking me for signing them, each time with different dates and dollar amounts. I emailed and called Ally and informed them that I was receiving signed documents, signed by XXXX XXXX XXXX ), which is not my legal name. My legal name is ( XXXX XXXX XXXX and I had not signed them. I was repeatedly told by Ally to disregard the documents. I received a credit denial letter from Ally on XX/XX/2022. On XX/XX/2022, I received a bill for {$XXXX} which is threatening to affect my credit with late payments. I have called Ally several times without success. I am an XXXX XXXX Veteran and have also reported this incident to the FBI elderly crimes unit.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 Section 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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as XXXX XXXX XXXX. Which is not one of the 3 recognized agencies. My score was XXXX XXXX less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score XXXX points less from the other agencies. I argued with them that according to the 3 agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX  when I enrolled at XXXX XXXX XXXX in XXXX, I believe Sallie Mae ( now Navient ) was predatorily taking loans out to " continue '' my enrollment within the school. During my stay within XXXX I was constantly pulled out of class to quickly sign loan paperwork to " secure '' my enrollment in the program. Totals exceed XXXX XXXX dollars and particulars can be provided if needed. 
I have attempted to remedy and pay off these outstanding Loans with Sallie Mae and now Navient to no avail. I have enrolled in " repayment '' programs to only be more in debt or default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had an inquiry on my acct from Equifax back in XXXX.I disputed w them..I called the creditor they do not have my information ... and equifax has yet to remove this inquiry. I sent a complaint to you all back in XX/XX/21 you guys closed the case bc equifax said they needed more time.Its been a year and this inquiry is still on my acct. And I have spoken w discover 3 times and they have no record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Applied for credit at XXXX XXXX XXXX on XX/XX/2022 was denied credit because they could not see credit information through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
On XX/XX/2022, I paid all my overdue ( Forbearance Period ) payment, which is {$44000.00}. 
However, this doesn't reflect to my payoff statement & account for long time. Please see attached my payment history & latest payoff statement which has not been updated. 
I called more than 4 times, and they lastly promised ( on XX/XX/2022 ) that it will be updated no later than XX/XX/2022, but it wasn't updated yet. 

My closing day is XX/XX/2022, and I really need updated payoff statement until XX/XX/2022. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, 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 the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. From XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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

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 2022-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have been a victim of fraud since XXXX and it has been well documented in the court. On XXXX my lawyer at that time informed XXXX XXXX of the fraud and that I will make the last payment until they clarify how they were able to buy two houses in my name and then sale one overnight and give me a new loan of my own house that I have requested 9 months ago. They never answer this and they sold the loan to XXXX XXXX with all the garbage loans bought by XXXX. Then on XXXX XXXX and XXXX XXXX  XXXX left the case in case in the court, The case was closed by the court in XXXX and I thought everything was finalized. 
Then, in XXXX this company SLS loan servicing came with many wrong tactics claiming the loan belongs to them, they claimed foreclosure in my community and it was not true. They have canceled my homeowner insurance and placed their own. However, I continued paying my own homeowner 's insurance and flood insurance and my property taxes which they also have tried to remove me from it and they want to pay it. 
The harrasment has been enormous SLS come and place a paper/note on my door since XXXX take picture and remove the papers to avoid the home owner to find a lawyer and save the property form foreclosure. IT is not right. Fortunately, my case has been with lawyers but I want to know how many people has lost their house with this tactics? they call my phone as well. Now, They are charging enormous interest and charges without reason. Where was this SLS previously? so now they come at any year, buy a loan for a XXXX and make money like this? I need to save my house from these thieves called SLS please help me to find the answer because my lawyer does not know what to do next 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 explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, 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:
Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within 5 calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus stated that they will start removing XXXX XXXX of XXXX XXXX. As a gesture of goodwill, I am pleading with Experian to remove this account from my credit.

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Macy 's credit card was closed in 2019 without my knowledge or notification. I have requested they remove the additional late fees and interest charged to my account as I didnt know it was closed until I saw it on my credit report. Ive sent dispute via XXXX  and wrote a letter requesting good will removal of neg commentsand additional fees. My credit is very important to me and I really need these items removed from my accout asap.My avaiable credit was XXXX it shows a balance of XXXX. I just want to be treated fair.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a written request for my consumer file to XXXX XXXX and TRANSUNION. TRANSUNION replied with a refusal to send me a copy of my consumer file stating that I've already received a copy which is completely false.

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 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act multiple companies between XXXX XXXX XXXX have violated my rights. 

25 U.SC 2681 section 602 A states I have the right to privacy.

15 U.SC 2682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After decades with Bank of America, our accounts were closed without warning and without reason. We found out that our credit cards were cancelled when we attempted to use them at the store. They left us scrambling to set up a checking account to make sure we could make payroll and keep our creditors paid. Having no explanation for closing the account is bad enough, but the lack of warning just seems cruel, at best, to do to a non-profit school.

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 2022-04-05 00:00:00
Product: Credit card or prepaid 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: PA

Complaint narrative:
I've attached a letter that I sent to Barclay 's that describes in detail the event that initiated and perpetrated my FRAUD.I had made an initial request verbally of Barcley 's Aviator Red Card by calling their XXXX number to report the fraud to which they responded on XXXX XXXX declining my fraud request despite issuing me a WARNING TEXT ( attached ) XXXX XXXX at XXXX am, when all the fraud occurred, placing " A SECURITY HOLD '' on my card ( # XXXX ). They issued me a new card to avoid further fraud from occurring, but after my second request ( XXXX ) to remove {$1900.00} of fraudulent purchases they completely ignored my request, and continue to have me either pay the fraudulent purchase or charge me the exorbitant interest rates on the fraudulent purchase. 

PLEASE SEE THE ATTACHED DOCUMENTATION TO GET AN UNDERSTANDING OF EVENTS AND TIME LINE

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 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I received a call from a debt collector who was stating they were trying to collect a debt from an old banking account from when I was XXXX. I am now XXXX XXXX XXXX. They told me if I did not settle outside of court they would file against me and I would be charged with a felony. They refused to work with me and wanted me to pay XXXX a month for 6 months. Which would be impossible for me. I can not find this company online or with the better business bureau. I do not believe this is a real debt collector. I checked the local courts around me and confirmed nothing has ever been filed against me for this matter. I called Huntington bank, where the debt was originally from, and they advised that they also do not believe this is a real debt collector and also advised they dont even have a record of me in their systems anymore. The company that called me said they were called XXXX. And their address is a virtual address. Not an actual address. The name on the contract they sent me and want me to sign is XXXX XXXX. When I asked them why I could not locate them online they said it is because Huntington bank is their customer so only they can look them up. I had to cancel my bank card as they had that information. I called legal aid and they advised me not to sign anything and to report as they also believe this to be a scam. Since telling them I will not sign anything and I want all information of the debt mailed to my home they will no longer answer or return my calls. The phone number given to me to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to Chase Bank on XX/XX/2022 at or around XXXX. I entered the main lobby area and walked toward the teller station. I was confronted by a Chase employee who asked what I wanted. He purposely positioned himself to block me from the teller station. I told him that I would like to pay an overdraft fee. He told me that I could not. He did not even offer me an opportunity to wait to be helped. I then was confronted by a second Chase branch employee. He said his name is XXXX. He said that I could not be helped. He never offered me the opportunity to wait for help. He never offered anything remotely close to appropriate, reasonably expected basic customer service ; neither of them did. I believe they discriminated against me on the basis of race and prejudice. This was the second time I have been denied service at this bank. I went to the bank about XXXX months earlier and was also denied service. 

The bank branch where this occurred is located at XXXX XXXX XXXX, XXXX, IL.

Company response to consumer: Closed with explanation