vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
In XXXX I made my payment to early and it created a 30day day late. When I called to ask why XXXX did not notify me by phone or in writing that I was late. I was told that due to I had E-Statements they only send an email. I never seen a email from XXXX, it may have went to my junk email or was deleted thinking it was advertisement. 

To correct the issue I removed myself off E-statements so if this happened in the future I would be contacted via phone or mail. In fact I think email should not be allowed. 

XXXX corrected the issue by adjusting my payment and refunded the fees and interest charges. - When I check my credit report the late fee had been removed. 

Forward to XXXX - checking my credit report and I see a 30day from XXXX in XXXX. I call XXXX they state I would need to re-dispute in writing, I sent my dispute in writing with a copy of the letter they sent me on XX/XX/XXXX. 
Letter Stated : Good news - I've credited your account to resolve this dispute. The credit cover the XXXX you disputed as well as any applicable fees and interest charged. You'll see the credit on your next statement. I'm Glad I could take care of this for you. 
Thanks XXXX XXXX XXXX XXXX XXXX ext XXXX. 

My New dispute was declined - - It is rejected stating the only fixed the payment and that late payment will stand. They also stated they XXXX has a right to send late payment notification to email. 

XXXX only keeps there statement online going back to a few months- so I was not able to get the corrected statement. - Nor did XXXX provide documentation. 


I would like target to remove my only late payment with them in XXXX. There Good News letter was misleading as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Tried calling credit bureaus, sent ftc affidavit

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 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
i did order 3 totes from the company but I never recieved them. I keep getting phone calls and when i called they said it would be took care of. I am not paying for merdinscise i never recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been trying to get a forbearance or deferment for over a year and I am continuously denied. I am working but I dont make a lot of money and I have medical bills from being XXXX and having XXXX XXXX. Navi ent is not willing to work with me. I have also tried to lower my payments and seek loan forgiveness as a NJ XXXX employee for the past eleven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
In XX/XX/XXXX I tried calling the customer service numbers provided in my Mortgage statement to make a payment before the late fee was assessed on XX/XX/XXXX. The customer service number was unreachable and kept making the sound as if the line was occupied. I tried making a call to the second number provided in their statement and it is for another business line ( their auto lending department ) of which I was told they could not process Mortgage payments. ( Why have it in the Mortgage statement as a number to make payments if they will not accept them there? ) I again tried making a call to pay on XXXX to which I received an automated message that their offices were closed due to XXXX Saturday. Again tried the other numbers provided and received the same answer related to being a different line of business and they could not accept Mortgage payments. 

This whole process repeated itself again on Monday XX/XX/XXXX their customer service line was out of commission and again was rejected to accept the payment in the other phone number reason being they are not the mortgage department. 

I was finally able to process the payment on XX/XX/XXXX by calling their general customer service line, agreeing to a contract for XXXX which is their automated payment process, registering my account which was done by one of their agents and the processing my payment by giving them my checking account number, routing number from my bank and all my other personal information. At which time the late fee was already assessed on my account to which I requested an inquiry process to remove the late fee. However again the customer service number for Mortgage was inaccessible and the agents over the phone told me this was due to a breakdown in that line and that they were aware of the problem and were working to resolve it. However they did not mentioned the remediation that the affected customers would receive for not being able to call in to make their payments on time. To which I am requesting that they remove the late fees for the month of XXXX from my Mortgage Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX  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 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION 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 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 non-monetary relief
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX  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 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION 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 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I dont have specific dates but a while back I submitted a reamortization request for my loan at Firstmark Services because I paid extra toward my principle. The monthly payment wasnt lowered as much as I thought it would be based on my calculations so I asked to see the paperwork for their calculations about 3 weeks ago. They said they could do this but around a week went by and I got nothing so I called back. They said that the request had been denied for an unknown reason so they submitted another request. Maybe around a week later I followed up because I still hadnt heard anything. They said the department was backed up because of the looming tax deadline and suggested I call back today if I hadnt gotten a response. This made sense to me so I obliged. Still havent gotten anything as of today so called and the loan advisor told me that I had to reach out directly to the customer service department. So I just did that XXXX minutes ago but Im doubtful Ill get the help I need based on my past interactions. Its a simple request and it feels like Im just getting bounced around. Seems like they are up to something sketchy. I know they make less money when I prepay which is why I think this. In the meantime while I am waiting for this paperwork my interest continues to pile up day after day. I have been holding off making another large payment toward my principle until I get this paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: TX

Complaint narrative:
NowCom/Westlake Financial have accessed my consumer report without my authorization. Unauthorized use of a consumer report is unlawful and is identity theft. I never gave them permission to access my consumer report I have never heard of this company. I never gave written or oral permission to obtain my credit report. Please delete this inquiry immediately. 
This inquiry occurred on XX/XX/2022. 
My name is XXXX XXXX Last 4 of my social security number is : 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 2022-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
Our property is in the footprint of the XXXX XXXX and suffered some infrastructure damage. Our insurance company has been issuing claim payment to us and our lender so we need to send the payments to our lender to sign and forward to us. The last 2 checks of {$150000.00} and {$44000.00} have been held by the lender since XX/XX/XXXX. I have been requesting release of our funds. {$130000.00} of these funds is allocated to personal property and cabins/sheds built with cash after the mortgage was taken out and they will not even release those funds. I have requested an inspection to show the rehabing we have been doing on XX/XX/XXXX and still have not heard anything back from them. The lender said if we got an AS IS appraisal they would use that to justify releasing our funds. We completed that and they received it on XX/XX/XXXX. Our loan is for {$360000.00} abd the property appraised for {$850000.00} even in the current state of disrepair. They still have not released my funds and state someone in compliance has to make an approval. They have said this since XX/XX/XXXX. My sister is a lender and recommended I ask for your assistance. We will be receiving additional claims funds from our insurance company and expect this to keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXK XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: AR

Complaint narrative:
Dated XX/XX/2022, reduced amount $ XXXXThe debt is not accurate. The company did not send verification of debt. Resent collection statement months later. Dated XX/XX/2022, reduced amount {$5900.00}

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached XXXX website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and LexisNexis website says they receive Bankruptcy information from LexisNexis. 

I have received documents from LexisNexis regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my LexisNexis and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from LexisNexis. I have also reached out to LexisNexis and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and LexisNexis. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX LexisNexis due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached LexisNexis website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I used my sphere credit card through Santander Bank to purchase a specialized automated indoor grow box from XXXX on XX/XX/XXXX. In order for this machine to work, you must have access to their server and their customer service. The machine arrived on XX/XX/XXXX and was up and working on XX/XX/XXXX. I was in contact with the company until XX/XX/XXXX and I never heard back from them again. On XX/XX/XXXX, the grobo was not working properly and I had to shut it down. Since I could not contact XXXX at the time, I reached out to my credit card company ( sphere through Santander bank ) on XX/XX/XXXX to dispute my charges since I couldn't contact the company. The credit card company gave me a tentative credit while they looked into the dispute. When I got word that the dispute was denied, I contacted the credit card company. I then put in a second dispute where I supplied a bankruptcy letter from XXXX. I was again denied the dispute. I called the credit card company again and spoke to a supervisor, XXXX, who was going escalate my dispute and update me the next day and I never heard from her. She also claimed they didn't use the bankruptcy letter in their decision. I got a letter denying my dispute again. When I called again, I was told I can not dispute it anymore. This product does not function if the company is unreachable. I can no longer use the machine as it is not working properly and if it did, there is no way to get supplies since the company no longer exists. I just want what I put out for it {$1900.00} plus interest back. I don't feel my credit card company is acting in my best interest as I have had another dispute before this one in which I was denied and I had to take care of it myself. They denied me a dispute to a charge from XXXX pick up from clear across the country during the pandemic.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
1 XXXX XXXX affiliated with XXXX has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with XXXX Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with XXXX have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with XXXX has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from Transunion on a credit card that I don't have. How can points be deducted if I don't have credit cards.

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