vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My current mortage that is held thru Specialized Loan Servicing has a previous ballon payment that was done as a loan modification with XXXX XXXX XXXX XXXX my understanding of this modification was that it would reduce my payment an add 10 years to my mortgage Specialized loan Servicing has this amount listed as a ballon payment that will be due at the end of my Loan but continues to add this amount to my current principlae balance on my credit reporting making it look as if in the last 13 years I have only paid 4 % of my mortgage this is greatly reducing both my credit score and my credit utilization. I have made several attempts to coorect this with both the Company as well as the Credit reporting agencies to have it corrected for one month and then go back to reporting incorrect. The other question i have raised with Specialized Loan servicing is the amount of money that is being appled to my principal balance each month last month a payment of XXXX only XXXX was applied to my current principle balance after 13 years of paying on this mortgage my amooriztion should be higher than this. When i questioned this I was told it was because of the loan modification that I did this dosent seem accurate to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have numerous court records showing Navient has sent out old loans to XXXX XXXX who sent them to a collector named XXXX and XXXX who are now collecting on accounts Sallie Mae determined were not mine! This took place over 10 years ago and now they are re opened. Navient has passed this off as a court record yet THEY own the contracts. I have told them over and over and over these were closed by Sallie Mae and they even contacted me about not collecting on them again. Navient is hiding behind the debt collectors ( XXXX and XXXX and XXXX ) who illegally filed records without serving me. I have asked over and over to have this re opened at the courts and they have not done so. XXXX responded to my complaint claiming I said it was fraud and I never said such a thing. I said I was never served and Navient is responsible for this. Sallie mae passes me to Navient who passes me to XXXX who passes me to XXXX and NOBODY is doing a thing! I want this case re opened and the garnishment stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. 

Earlier this month I disputed the delinquent account with Experian. They updated my credit report, but instead of showing 'paid in full ' they updated it to say it was 'impacted by a natural disaster XXXX '. This was before XXXX. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Experian is complicit for not removing 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 explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Hello, The debt collector failed to verify the debt in writing to me. also using the suite process they have contacted me and left voice mails. Debt collectors cant call or contact you until they verify the debt in writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I was rated an XXXX credit score before buying home improvement supplies at the XXXX XXXX. Was approached by an associate to buy items on credit, and the wall said 84 months no payments. Applied for a Home Depot Credit Card and the cashier spoke XXXX, contract was written in XXXX. Waited for term and statements in English. Told me it was no payments for 84 months. Called, emailed messaged and pushed hard. At no time did anyone tell me I was late on a payment for the first two years. When buying a car in XXXX, there were four negative notices for no payment. I was able to remove the first two 90 days late but not the remaining two 30 days late. Bank card company will not remove late payments from credit report. They keep telling XXXX its correct when I dispute the reporting. Clearly the terms say 84 months no payments. They took two years to change my statements to English.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Manhattan Beach Venture, LLC
State: NJ

Complaint narrative:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX XXXXXX/XX/2017 DEPTEDXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I live in XXXX XXXX XXXX My bank is Navy Federal Credit Union ( NFCU ) and its Bill Pay service appears to be through XXXX. There are several problems with NFCU 's Bill Pay. ( 1 ) It does not mail out paper checks so that they arrive in a timely manner on the date I requested. ( 2 ) It steals the money from my account before the check is deposited by the payee. ( 3 ) It often steals the money from my account before the check is even received by the payee. For example, last year I requested that it send {$500.00} to my church by a certain date ( viz., I donate to my church each month in the same manner, same amount ). However, this particular month NFCU 's Bill Pay apparently mislabeled the envelop so that the check never reached my church. Nevertheless, Bill Pay took the money from my account on the date I originally scheduled the payment. Eventually the envelop was returned to Bill Pay as undeliverable with the check still in it. Bill Pay eventually returned the money to my account after keeping it for over one month. I only found out about it in XXXX when my church sent me my charitable giving record. when I complained to the NFCU and Bill Pay demanding that money not be taken from my account until the check was deposited, they both responded as if their actions were common procedure and made no assurance it would not happen again. This year at the beginning of this month, I requested that Bill Pay send {$500.00} to my church by a certain date. On that date, Bill Pay took the money from my account. However, when I contacted my church to check if it received payment. They told me that they had not received the check. When I complained to NFCU and Bill Pay demanding that my money only be taken when the check was deposited, my money was returned to my account. Then two or three days later, my church informed me that they received my check. But when they attempted to deposit it, they were informed there was a " stop payment '' on the check. ( 4 ) Bill pay did not ask or inform me before putting a stop payment on the check. When I complained to NFCU and Bill Pay, they both responded as if it was their common practice and procedure and made no assurance it would not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2023-03-21 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC
State: OK

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX, a XXXX, Texas, based debt collection company ( hereinafter " XXXX  '' ), and their representative/employee, XXXX XXXX XXXX have engaged in a consistent and repeated effort to collect on a claim against me for which I do not owe, and they have direct means of collection. More specifically, XXXX 's client claimed to have inadvertently paid my property taxes on a property I own. XXXX claims this payment was made as a result of a scrivener 's error. To date, XXXX has made absolutely no effort to correct this improper payment from the County Treasurer and allocate the payment to the proper parcel. I contacted the County Treasurer, who confirmed that no requests for reimbursement were made. I confirmed that the XXXX will immediately issue a refund on account of mistake if asked. I advised the XXXX that I have no objection to the issuance of a refund on the account if asked. I submitted to XXXX and XXXX XXXX a written statement attesting that I had no objection to their refund. I then asked XXXX to cease all further communications with me during business hours, as my employment has suffered from the repeated efforts at collection. XXXX refuses to seek reimbursement, demands I pay them funds directly without providing any assurances that it will not then simply obtain a refund of the funds from the Treasurer, resulting in double payment to XXXX  and me being liable for a double payment. XXXX continues to call my work number during work hours, and did so on XX/XX/XXXX and XX/XX/XXXX, and I anticipate it will continue calling weekly. XXXX  has threatened me with legal action and the filing fo a lawsuit on equitable grounds despite its client possessing a readily available legal remedy. XXXX XXXX was flippant about my above concerns, demeaning and unprofessional during my telephone conversation with him.

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 2023-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX, has been Attempting to collect on a Debt in a location where I do not reside pursuant to 15 USC 1692b. And also not Validating the debt that they say is owed Along With 15 USC 1681 section 604 A section 2. States that a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 section 602 A. States that i have a right to privacy Failure to give prior consent for attempting to communicate pursuant 15 U.S. Code 1692c Failure to provide notice of consent on initial communication pursuant to 15 U.S. Code 1692 ( k ) All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692 ( k )

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 2023-03-21 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My credit report dated XX/XX/2023 from the three major credit bureaus shows that Santander consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This account was place on my credit reporting without my knowledge. The company could not provide me with any information. 15.U.S.C 1681S ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Under what authority, statute, or law does Automobile Acceptance have to share and or furnish my non public, private, personal, identifiable financial information? Automobile Acceptance has been put on notice about sharing my private, personal, non-public identifying financial information, and transactions and experiences to third parties, which include but may not be limited all consumer reporting agencies. I was never received full disclosure regarding my option to opt of of my non public personal information being shared and that was my right. Automobile Acceptance assumed they had my consent and they did NOT! I have revoked, canceled, and rescinded all presumed consent retroactively to date. Automobile Acceptance referred to 15 U.S. Code 6802 section d, that states limitations of sharing the account number for marketing purposes. However, being that I was never given the option to opt out initially prior to my information being shared, that code does not even apply. Pursuant to 15 U.S. Code 6802b I was never given the opportunity to opt out of having my non public personal information shared with third party affiliates, or explained how I could exercise my right to the non-disclosure of my information being shared. I have a right to privacy and full disclosure, and I was not provided either with Automobile Acceptance. Automobile Acceptance also stated they have the right to report consumers account information, which is their non public personal information, but under whose AUTHORITY? Federal law states the rights of privacy I have as a consumer and federal law supersedes any policies Automobile Acceptance may have. This information that is being furnished to the consumer reporting agencies is harming and injuring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: NY

Complaint narrative:
Stafford Collection Agency called several of my family members to collect a debt. I forwarded a debt verification letter to Stafford. It's been over 30 days and I have received no debt verification or correspondence from them yet the debt sits on my credit 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 2023-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received two e-mails that XXXX funding deleted my payment arrangements. They are not listed on my account anymore. They failed to mention this in their last response. I take it as they have closed the two accounts and sent them back to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: WA

Complaint narrative:
Since I moved in XX/XX/2022, I started receiving magazines that I did not subscribe to both at home and at work - a federal facility. I returned the magazines to sender multiple times, and now these magazines have started sending me to collections. I tried calling and emailing he magazines directly, but end up in a loop with zero live persons. The latest notice of collections was sent to my WORK ADDRESS - again a FEDERAL PROPERTY, claiming I owe money for a rag I NEVER subscribed to. The notice came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, and the " creditor '' which is a complete lie, is " XXXX XXXX. '' Magazines I've been sent include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and even XXXX. I HATE CATS and i don't even own guns! Please tell me what I can do to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that. 
Your help will be highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
J.P. Morgan Chase cashed a fraudulently endorsed check and deducted from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Merchants Credit LLC
State: IL

Complaint narrative:
Merchant Credit LLC has listed 11 collection accounts appearing on my credit report. They are all medical debt and all under {$500.00}. They disappeared for a short time, but they have reappeared. I had to dispute them to have them removed the first time. They should be removed as they are medical bills and all under {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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