vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I have a loan through Navient. I'm eligible for Public Service Loan Forgiveness, yet it has been impossible to get clear instructions and help from them to apply before the XXXX deadline. 

I was on the phone with them yesterday for XXXX minutes. The rep finally told me she would send an email with a letter with all of the steps I needed to take. 

An email from Navient arrived hours later and had NO such information. 

Clearly, it's way too trusting and optimistic to think that a Loan Provider will want to help loanees to cancel part of their loan. Why was PLSF designed this way? Navient has every incentive NOT to help students, not to help them.

I need help, Navient is the WORST lender, this is a dysfunctional process, and I'm running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IL

Complaint narrative:
XXXX XXXX keeps stating that the account is valid and belongs to me despite the submission of the FTC Identity report and request of documents validating that I signed up for the account. They have failed to provide me with documents I requested.

All they do is sent a copy of a statement bill and the credit bureaus sides with them and claim the debt is valid.

I'm requesting the documents listed below be shared with me. I want to know how have they been validating the accuracy of the account. I've never owned this account.

Im exercising my rights under the Fair Credit Reporting Act, Section 609 and demand to see the following pieces of information : Original consumer contract with my written signature on it Pay off Disclosure Interest Rate Disclosure Payment History Statement Balance History Statement Credit Insurance Please let me know if you need any additional information. 

Thank you, 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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Bank seems to have halted the ability to receive instant transfers. a wealth of apps use these transfers, like XXXX, XXXX, XXXX XXXX, and many more. instant transfers are generally performed at a premium, with a 1 to 3 % charge for making the transfer. 

I have talked about this with Ally Bank already. they made a change to their debit card control system that has caused a delay in instant transfers. This happened in XXXX. I received an email from Ally Bank about the issue on XX/XX/XXXX XXXX however, Ally Bank updated their deposit agreement after that and we were not notified of this change. 

instant transfers are now no longer instant. they are processed in a batch at the end of the day, meaning people are paying a premium for instant transfers that does not happen. that Ally Bank updated their deposit agreement to reflect this, without notifying customers, is very problematic and I believe also illegal. well I understand that whatever issue they're having with their systems is responsible for this, I am receiving mixed messages as to whether this is a permanent change or something they are attempting to correct. some agents have told me that they'd simply no longer do these transfers. 

either way this is extremely disruptive and leading to me not being able to access my money or receive my deposits as expected. I am also XXXX. I do rely on instant transfers as I do some work as an independent contractor. I am low income and this is disruptive to my financial stability.

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 2022-08-30 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I opened the account on XXXX. I contacted company on XXXX and was unable to track information on account, then spoke to manager who gave another number who could help with online accounts. I was given phone number XXXX to get more info on a weekday. I spoke to someone today who told me the account was closed due to negative balance. I've never withdrawn anything from the account, but they advertise XXXX XXXX  as No monthly maintenance charge and No monthly minimum balance requirement. I was never contacted on any changes, and all contact information is up to date.

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used to have a checking account with bank of America ending in XXXX. This was closed on XX/XX/XXXX by bank of america. Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX / XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and card payments in the total amount of XXXX USD. This is the amount I lost through Bank of America checking account. I do have fraudulent transactions on my another account held in XXXX bank. This bank resolved all of them positively and timely. But bank of america call centers, their internal systems, responses are very delayed. They denied my claims multiple times without mentioning proper reason and failing to communicate about what paperwork they needed to resolve the claims. As the delay is prolonging to resolve all these claims, my debt collectors are after me. My credit cards debt is accruing unnecessary interests. My credit report is spoiled. My retirement accounts are deprived with the money went out through Bank of America checking account.

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 2022-08-30 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: PA

Complaint narrative:
The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good Morning : To Whom It May Concern I notified Experian to dispute some things on my credit report. I could not even speak to a representative but a recording machine which is unacceptable I am disputing my name which is XXXX XXXX Experian has me written as known as XXXX XXXX nor XXXX XXXX XXXX this is not my name a wrong spelling and they listing me as XXXX XXXX also known as I go by XXXX XXXX that is my maiden name XXXX was my married name I am divorced and by court order. I can use my name XXXX Experian also has my old addresses listed I do not live at XXXX XXXX XXXX XXXX. 
New York XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX I already disputed my addresses online with Experian. Experian needs to do better customer service and help customers not hide behind a recording it is unfair and unjust ice. 
Customes need fairness and equity thank you. My name is XXXX XXXX and address is XXXX XXXX XXXX XXXX New York XXXX # XXXX and also XXXX has me listed on an inquiry and I have no credit card with them on my XXXX and XXXX account. 
Thank you for your assistance.

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 2022-08-30 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: MI

Complaint narrative:
Transunion is willfully and negligently being noncompliance with Federal Law violating my federally protected rights. I have sent multiple correspondence asking for a letter including the method of verification used to determine the accuracy of the accounts and the employee contact information and a signed contract for the accounts you are alleging derogatory and you failed to provide it as that is my rights under the FCRA.I am not disputing ownership nor am I disputing anything, you guys have did multiple reinvestigations verifying the accounts with no proof, which is always a violation of my rights. You are way pass 30 days and the following accounts listed below shall be removed as the FCRA states if ( requested proof is not provided within 30 days the accounts should be removed ) If the following accounts are not removed after you willfully failed to provide proof upon requested, I will proceed to litigation as Transunion is not insuring there grave responsibility to accuracy and ensuring my consumer report is fair and equitable to me. Any damages I continue to endure from your willful noncompliance and negative impact on my livelihood, Transunion assume civilly liable. I have also not received disclosures from Transunion as obligated under the Gramm-Leach- Bliley Act which is also in fact a violation since Transunion is a financial institution which is also violating my Federally protected rights. 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX  ( Balance XXXX ) 6. XXXX XXXX XXXX XXXX and XXXX has also complied and removed the accounts, I am giving you this last chance to rectify 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 non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery has been calling me about a XXXX XXXX  XXXX XXXX credit card that was opened in XXXX  as a result of identity theft. 

I had a relative living with me that used my information to open this account. I have disputed this several times with Portfolio Recovery and they continue to call. I have told them that I will not pay this and to stop calling. They will stop calling for a couple months and then start calling again in the same cycle. This has been going on for years. 

I have spoken to at least 15 reps at Portfolio Recovery and I tell them the exact same thing. Each time I disputed it comes back as a valid debt but I did not open this account. My aunt had access to all of my information and she did this. I have a police report to show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: PA

Complaint narrative:
The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.

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 2022-08-30 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: DC

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from PACER stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.

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 2022-08-30 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: MD

Complaint narrative:
XXXX XXXX act number XXXX is a violation of privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2022-08-30 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: FL

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX, has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 604 A Section 2, also it states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : 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 2022-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for and was approved for a {$500.00} line of credit through Minto Money. I had a financial emergency and needed quick access to money, but had limited options due to my credit history. 

While I was aware that I'd be paying high interest, I want to report this company for their predatory lending and astronomical interest rate. 

My {$500.00} loan carries a 463.16 % interest rate. My payments have been {$100.00} biweekly. If continue paying via this current pay schedule, I'd be making those payments until XX/XX/XXXX, paying a total {$3200.00}. Seriously??? I understand changing higher interest, but this is just exploitative. 

I have the option to pay the off the loan in full today for {$500.00}, which I'll be doing. However, I'm concerned for other people with poor credit who need emergency funds and have nowhere to turn other than to predatory lenders like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
Southeast Toyota Finance repossessed my vehicle while I was XXXX in 2018. My mother had soda im banking power of attorney and Southeast Toyota would not let her make payments on my behalf, resulting in my car being reposeessed. Once I was in port and had the correct internet access and phone service I needed, I offered to pay the past due and towing fees and southeast toyota still refused to accept my offer. My notarized power of attorney was even sent directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX and XXXX I started getting notifications of my credit being ran by various companies for a car loan I did not give permission for any of these banks or lenders to run my credit for approval. This has caused my credit score to drop below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was told that it would be deleted off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I have closed this account in XXXX, before closing account was zero dollars i didn't owned any single balance to bank. Initially there was a charge on XX/XX/2021 there was a charge {$290.00}, XX/XX/2021 $ XXXX {$40.00}. Both of them were unauthorized charges I did reported to bureaus and bank aswell I did forwarded them police report they have XXXX my credit file. I need my refund back from them asap. I need avant credit card company to fix my credit file which they caused issues.

Company response to consumer: Closed with explanation