vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Argolica, LLC
State: MD

Complaint narrative:
In accordance with the Trial Period Payment Agreement signed XX/XX/2021, XXXX XXXX XXXX XXXX is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet XXXX XXXX resumed such action without sending proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
The company One Main Financial at XXXX XXXX XXXX XXXX, XXXX, AL has repeatedly called for a customer named XXXX. When I received the new number back on XX/XX/XXXX, I received my first called from them a few days after. I informed them that I am the new owner of the number, and that there is no XXXX at this number anymore. The lady who called claimed she will notate the account and remove the number. The calls have not stopped. At least once a week they call for XXXX. I have repeatedly told them that the number XXXX is no longer XXXX 's. In this month of XXXX they have called on the XXXX, XXXX, and XXXX. Its is XX/XX/XXXX as I write this. I keep telling them over and over that this is no longer XXXX 's number. They apparently refused to acknowledge that statement and keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AA Recovery Solutions, Inc.
State: GA

Complaint narrative:
I received a call from a XXXX XXXX on XX/XX/2022 from AA recovery solutions XXXX. He said he was looking for XXXX XXXX and that I may go by XXXX XXXX, which is incorrect. He left a voicemail and then immediately called XXXX  XXXX  my daughters ; XXXX XXXX and XXXX XXXX. He told them he was trying to reach me in regards to a debt and asked if my maiden name was XXXX, which is totally incorrect. I called him on my break while I was at work. I told him the information was incorrect and he could send anything to me in writing but to not call me or anyone else in my family. I also told him not to call my children again. I never received anything in writing from him and today XX/XX/2022, he called my daughter XXXX XXXX and left another voicemail on her cellphone in regards to reaching XXXX XXXX or she may go by XXXX XXXX in regards to a debt from AA recovery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
My student loans have become astronomical in the amount owed. My student loans are literally out of control. They have grown so large through fees and interest, I believe, that they are unmanageable. When opening our recent mortgage a lender commented that there was something wrong with the accrued balances on my loans, how they went from 125,000 to around 175,000 in a short time. I have been able to get the income driven payment option in the past but before the current Biden plan Navient was no longer allowing affordable payments even in the IDR. These loans have literally ruined my credit score. I am no longer able to apply for even a minimal credit card. My husband has to have all our loan needs in his name only. What would I do if I was not married? I would be totally screwed/stuck/without options. I pay ALL my bills on time and my credit is destroyed! How can this be? How is it that I owe this much money when my actual tuition/fees were far less than this balance? How is it legal to charge so much interest and fees that the student loan is like a car loan or house loan??? What is the difference for education or not when after getting a degree you can not get ahead because it ruins your credit! I asked Navient for an explanation of why my loans are so much larger now and they said they would get back to me and never did. There is no explanation from either servicer ever and no way to escape this destruction as student loans are untouchable by an legal means! A banker offered to look into it for me as even he was befuddled over the amount owed. It's insanity. I'll never escape it unless someone helps me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-15 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: OH

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: OH

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was put in to forbearance a few times over the years without anyone explaining that interest is still applied ot the account. While they were happy to help me short term, no one thought to tell me what would happen later. Ive had wages garnished, and through all that, the amounts owed really never went down. I'm stuck in a loop here. I havent made any payments in a while, and loan payments are supposed to be frozen but my credit report goes up and down and these loans are listed as part of the issue. 

I can not afford to pay these loans. What do I do??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize any and all of the listed credit inquiries below, I respectfully ask for all of them to be Deleted from all three of credit reporting agencies. 
XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AES/PHEAA
State: GA

Complaint narrative:
PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY XXXX! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which XXXX and PHEAA are taken advantage of me as a consumer and breaking protection laws. XXXX is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of XXXX 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, XXXX IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and XXXX is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: MI

Complaint narrative:
Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off four debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.

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 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im contacting you because I ordered a XXXX XXXX XXXX on XX/XX/XXXX Order Date XXXX Order Number On this date I cancelled the order XX/XX/XXXX Cancellation Date After several months of reaching XXXX customer services I still have not received a refund of {$1500.00}. Please help me. 
I filed a dispute with Bank of america and they denied my dispute on XX/XX/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 monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE XXXX XXXX XXXX IDENTITY THEFT XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, XXXX, or experian due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/2021 while shopping in Macys, the cashier advised I was eligible to up grade my Macys citi bank card to a Macys XXXX  XXXX  card. I accepted and continued to shopping. I was told my previous card is no longer valid and I can not longer use that account and my balances would be transferred over to my new card. I continued to use my credit card and payments. In XXXX, I begin receiving letter advising my account is past due. I continued to received more letters and I also called the number in the letters, to be told each time my account is good standing and they can see my bill was paid. Then in early XXXX I received a collection bill. I not only called, I went to a Macys store. I also filed a dispute with the collection agency. Another week letter, I get an actually bill from Macys. I call again and they say my account is in good standing and to call back next MonthXXXX XXXX if I get another bill. This unacceptable. This could affect my credit. No one is taking me seriously as I have been trying to resolve this for XXXX  months! Valentines day, I received an email from Macys saying they are referring to a collection agency. I have called numerous times to get this resolved. I have been harassed by these letters and I also feel discriminated against. I would to have this resolved as soon as possible. I have also filed a complaint with the XXXX. I will continue to pursue until this gets resolved. I have provided the Citibank notices, collection notice, Macys statements, and bank statements show numerous payments. These last XXXX  month I have experience extreme frustration, XXXX, XXXX  and XXXX  trying to get this resolved to no avail. I have excellent credit and I do not want this to affect my credit. I pay all bills on time.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received a Bluebird prepaid debit card that I never requested or applied for. The customer service phone number for Bluebird does not allow me to speak with a live person without activating the card. I do not want to activate the card. I am concerned that my identity has been compromised. I have placed a fraud alert on my credit report, but need to get this account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is not providing me with a signed by me copy of bill stating i owe this amount a signed copy is needed by XXXX also a copy of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I applied for an account with basically perfect credit with Capital One. They pulled all three credit agency reports and denied by card because of a single inquiry on one of the credit reports. I asked for a reconsideration, got the same form letter with the same explanation. 

Obviously, my credit scores have been slightly damaged by this for nothing in return. I'm not sure if I am being discriminated against for some other factor, but I have be unable to get a response from the company to identify why a single inquiry on a single credit report with XXXX scores, clean payment history, and low percentage of credit card usage is being denied. If I can't get this card, who can? Unless some other discriminating factor is at work, which I believe there almost has to be at this point. 

On XX/XX/XXXX, I spoke with a supervisor that couldn't offer me additional information on why someone XXXX with my scores and background would be declined.

Company response to consumer: Closed with explanation