vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 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: AL

Complaint narrative:
on XXXX XXXX XXXX I made a XXXX sent payment to navient this was suppose to make the loan current but navient took part of the payment and applied it to the principal. So I did not know the loan was sitll late. I payment was XXXX so that is what i paid. So on XX/XX/XXXX I make another payment XXXX and tell the guy this is for loan 1 however, they split the payment with loan 2 and now loan 1 is not current because they did not do what i asked. So today I get ready to make a payment an now I owe over XXXX. They are making extra money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: FL

Complaint narrative:
My name is XXXX XXXX My Experian report # is XXXX Account name XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.

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 2022-04-03 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: IL

Complaint narrative:
XXXX  a fraudulent account, XXXX also its a fraudulent adress on my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

XXXX accordance with the Fair Reporting Act XXXX  Account XXXX, has violated my rights. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..15 U.S.C 1681 section 602 A. States i have rights to privacy.

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting angency 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 2022-04-03 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: I.C. System, Inc.
State: FL

Complaint narrative:
This collection agency is fraudulent reporting this collection to my credit 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 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I agreed to a {$1000.00} loan that would charge me {$44.00} biweekly beginning on XX/XX/XXXX, with my final payment on XX/XX/XXXX. They took my final payment out, but have since then put my account in collections stating that my last payment XX/XX/XXXX ( which is an incorrect date according to my loan documents ) was missed. They have since then been charging my bank account every 2 weeks {$9.00} for a membership that I no longer want. Every time I try to cancel the membership I cant since my account is still in collections. Their website states that they deposited money into my bank account that they never have. Every time I try to remove my banking info their site says that theyre unable to at this time. At this point Im going to have to cancel my account or put a stop pay on the charges so they can no longer charge me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I rec 'd a call from XXXX XXXX of Truist Bank at XXXX on XX/XX/XXXX. She wanted to argue about my recent payment. Frankly, if we are arguing about me making a payment, I feel sorry for anyone that actually needs Truist Bank. They should be restricted in all of their ability to lend money. 

On XX/XX/XXXX, I submitted 2 payments to Truist as their website will only allow a max payment of {$99000.00}. I entered this payment followed by a payment of {$12000.00} electronically through by Truist Checking account. At that time, I owed Truist the following on my account : {$110000.00} PLUS interest from XXXX at {$15.00} per day ( {$270.00} ). This totals {$110000.00}. My expectation was that my XX/XX/XXXX payment would more than cover the {$220.00} that I owed Truist. They would adjust the dollars and refund me the difference OR communicate with me as a client. Instead, they declined the first payment of {$99000.00}. This is incorrect. 

There are 3 things I would like to point out regarding the mortgage contract : 1 ) There is no prepayment penalty, 2 ) Payments are made in arrears, 3 ) they are simple interest loans ( billed monthly but interest accrues daily ).

At this point, my second payment of {$99000.00} appears to be suspended. I do not know what will happen XXXX  but I certainly do not want to hear from XXXX again. Her call was ridiculous.

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 2022-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.

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 2022-04-03 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: FL

Complaint narrative:
My name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.

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 2022-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
1. I am baffled that Comenity Bank has been unwilling to delete a fraudulent account that is currently showing on my credit report.

2. I provided proof that I filed a report with FTC and made it abundantly clear that I did not open the referenced account.

3. Comenity Bank is basically telling me that my Identity Theft claim is unfounded as per an investigation apparently carried out by their Fraud Department.

4. I dismiss the preceding paragraph in its entirety and would like to make it clear to CFPB, but not limited to, that Comenity Bank actions of reporting an account on my credit report that I did not open per se, is a clear violation of the FCRA and other applicable statutes. 

5. To avert litigation, I am taking reasonable steps to have Comenity Bank delete this inaccurate and harmful and damaging trade line from my credit.

6. It matters not to me that Comenity sold an alleged debt to a 3rd party. It has nothing to do with me being a victim of Idenity theft. Instead of resolving this issue, the bank has employed stall tactics to sway me from fighting for my right to an accurate credit report.

7. They have failed to provide evidence of their investigation ; failed to provide evidence of the application, contractual agreement and/or ID that I allegedly used to open the material account.

8. I will not be swayed from having this matter resolved. A subpoena of such information and other records might be forthcoming if this company does not cease from its unfair business practice and discriminatory stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
My wife and I lost our house in XX/XX/2021, and dealing with our mortgage company, Pennymac, has been a nightmare since day 1. It took them several months to release funds they received from our insurance company to our contractor so he could start rebuilding. We didn't start rebuilding until the end of XX/XX/2021. That's 7 months worth of building time we lost because of the mortgage company. And during that time, the cost of materials has increased an average of XXXX %, which then makes our insurance company hesitant to release additional funds to the mortgage company because it's over and above their estimate, which was done in XX/XX/2021. While we are doing some upgrades to the house, so our XXXX generation family can be more comfortable than we were before we lost our home, we are prepared to pay for those out of pocket. However due to Pennymac delaying the release of the funds, we have had to pay our contractor over {$60000.00} of our own money to allow them to continue building up to where they are now. Pennymac has finally released an additional $ XXXX, but this will only get the rough electric and rough HVAC installed. Once that is done, we are at a standstill until more funds are released. And our insurance company only covers living expenses for 12 months from the date of the incident, so we need to pay rent from then until our house is livable again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid off my car and two months later I still didn't receive my title. They claimed to sent it about a month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 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: CA

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


15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 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 explanation
Consumer complaint received 2022-04-03 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: FL

Complaint narrative:
My name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I tried disputing with the company and my XXXX XXXX  Nordstroms I never applied for and a few others I cant remember right now please give me a call at XXXX my name is XXXX XXXX it is a hard inquiry on my credit report and I did not apply for those credit cards I called the company and I also told XXXX and its still there until XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I requested a " change due date '' at least twice, since on the 1st of the month is often when I may miss the payment, so I wanted something later, such as 3rd or 5th of the month as a new due date. I believe they adjusted it. However I see now this and previous month I am charged a LATE FEE for paying on the 2nd of the month.

Why won't they allow me to change the due date??? 
their assistant claims " 'm sorry, I'm unable to change your due date. Your account has already had a due date change within the past 12 months. '' but they never allowed the change ... and they try to scam me on late payments.

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 2022-04-03 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: FL

Complaint narrative:
The only address that should be on my report is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX EXPERIAN REPORTING # XXXX I demand the following IDENTIFICATION # 'S BE REMOEVD DUE TO ATTEMPTED FRAUD WITH MY INFORMATION. 


# XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Single family # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Single family # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX Single family I DEMAND THESE XXXX INVALID ADDRESSES BE REMOVED ASAP. 

COPY OF MY CURRENT ID AND ADDRESS IS ATTACTHED.

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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a banking account was opend with USAA bank. I was unaware of this incident until about a week later I received a debit card from the bank. I called them immediately and reported the account as fraud. They had me verify my information and stated the account was in fact opened on the XXXX however they saw suspicious information. They assured me they would be forwarding it to there fraud department. 2 weeks later I have received no update from than and instead I have recieved statements that I am being charged over draft fees for a total amount of 1,200. I called immediately today but the department is closed until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recently sent them a letter on XX/XX/22 and I have not received an response from them. There is an account that I do not recognize, and I have asked to investigate this account numerous times but have not received anything from XXXX, XXXX, XXXX XXXX or I C System. I was incarcerated when this account shows it was opened. I'm not sure if someone else opened this account in my name or what but this is not the only inaccurate information on my report.

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 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.

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 2022-04-03 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: FL

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.

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 2022-04-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card from SYNCBXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCBXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.

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