vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the fourth complaint I have had to make about the lack of response. My most recent complaint was made on XX/XX/2021 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2022-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AL

Complaint narrative:
I am a student loan borrower who has been working toward Public Service Loan Forgiveness since I started repayment in XXXX. I have always had qualifying Direct Loans, and have submitted many XXXX XXXX Forms over the years. 

I submitted what should have been my final PSLF forgiveness application on XX/XX/XXXX. On XX/XX/XXXX, I received an automatically generated qualifying payment update but my count of qualifying payments did not increase at all. I still have XXXX out of XXXX qualifying payments even though XXXX more should have been added with my application. I called and spoke with a PSLF counselor at the end of XXXX, and she said not to fear as my XXXX application hadnt been reviewed yet. 

I called back on XX/XX/XXXX and spoke with XXXX. She said it was odd there was no movement on my application for PSLF forgiveness, so she initiated a priority review request for me. I called back today on XX/XX/XXXX and spoke with XXXX. She said the reason for the review was that somebody erroneously processed my application and declared that I did not have qualifying Direct loans, but she said I obviously do have the correct loans. 

I have now been on hold for over an hour to speak to a PSLF counselor about the error. I dont know what to do, Im so frustrated. I have followed the rules and regulations for the program but somebody didnt know how to process my application correctly. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I opened a checking account with Sofi bank around XX/XX/21 and received {$20.00} bonus. I also applied and received a credit card from Sofi. Just recently Sofi closed my checking account and did not return funds that were still in my account, to my knowledge, for no apparent reason. Sofi bank stated I opted to close my account which is false. I contacted them and left messages to resolve the issue but i have not received a call back from any of the Sofi managers regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I needed to unfreeze my credit reports so the Bank XXXX  XXXX XXXX in XXXX could process a land loan application for me to buy property there. I was able to unfreeze the XXXX and XXXX reports. The Experian unfreeze process is completely automated and their website would not accept my logon credentials. When I tried to reset them the application notified me it was sending an email to an address that was not mine. There was also no way to interact with a person at Experian by phone or by email ; the only access to them was via a letter to be sent to a XXXX XXXX in XXXX 

I XXXX a letter to Experian explaining the problem and providing contact information so they could respond to my request. XXXX confirmed delivery but there has been no response to date and I have had to discontinue the loan process since the bank was not able to access all of my credit reports. A screenshot of the automated response sent to someone else 's email address is attached. A dated copy of my letter to Experian is also attached.

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 2022-05-26 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: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX 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 2022-05-26 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: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MA

Complaint narrative:
I contacted this XXXX when these loans first went into repay to get better repayment plans. Found out they have a completely different policy than other XXXX XXXX where as you must contact them 3 months prior to loan entering repay status to discuss better repayment plans. No notification was received at all about this in advance. Assuming similar to my federal loans this was the same. They told me I had to be late on my payment in order to speak to anyone which I didn't want to do but that was the only way. First day late I called, I was on hold for literally XXXX until I speak to someone. They were rude, they asked all kinds of questions on finances which I fully disclosed then told me that they would move my late payment to the end of the loan to " help me out and get caught up '' and waive the late fee on that payment if I gave them my debit card up front so they could auto withdraw my payment. No Way, wasn't late this was their doing. I recently made a payment in XXXX for two months ( XXXX ) nothing should have been due to XXXX. Well I received a late notice and interest/fees charged for XXXX. My interest rates are at XXXX and 11.85 % which is ridiculous since my federal rates are much lower and I have a great credit score. These people are thieves, do not fully disclose their practices and notify in advance when you should call and make arrangement for better payment options ( extended payments ). Force you to pay late in order to speak to someone. They need to be investigated! This co. is a shame and they are misleading kids with their high rates and deceptive practices. It must stop, I pay my loans on time and when I try to get ahead this happens and they XXXX me again. There are actually people that want to pay their loans and do the right thing and there are predators like Salle Mae that want to take advantage for their own financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
For the third month in a row, my mortgage servicer Caliber Home Loans has assessed a late fee when they had possession of my payment 3 days before the payment deadline.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: FL

Complaint narrative:
eToro *refuses* to return my money- they refuse to transfer any assets in kind, and they are forcing me to liquidate at a SIGNIFICANT loss ( more than 50 % loss ) before they will give me anything at all. The withdrawl process takes two apps and is so complex I am unable to determine what exactly to do to get my assets out of the platform and into another place ( other wallet )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Problem with personal statement of dispute
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from United Wholesale Mortgage stating my mortgage payment was received. It had been setup on automatic payment since XXXX XXXX  XXXX. I then saw on the website for United Wholesale Mortgage on XX/XX/XXXX that my payment was received. Then, on XX/XX/XXXX I received a letter in the mail that my payment for XXXX was not received. The letter was dated XX/XX/XXXX. I paid the amount as soon as I received the letter. The company sent my late payment information to the credit bureau as a late payment. This caused a drop in my credit score by XXXX points. I called the company and requested the late payment be removed from my credit and they refused to remove it stating their policy was if a late payment exceeded 30 days they had to leave it on the report. I explained and sent pictures that their company notified me in an email and on their site that the payment was received and the next notification I received was already after the 30 days had passed stating the payment was late. This gave me no time to correct the error within the 30 days to avoid the late payment from reflecting on my credit report. I called back after the initial complaint was filed and spoke to a manager named XXXX. I sent him the pictures I had and he said he would file the request to have the late payment removed from my credit report. In XX/XX/XXXX I received an email stating they would still not remove the late payment inquiry from my credit report. This company is at fault for not giving me the notification in an appropriate time frame and then penalizing me and my credit score. I have never had a late payment on any account I have ever had and because of their poor communication and policy my credit score suffered and therefore my ability to obtain future loans and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/2022 XXXX XXXX  I went to a Huntington bank branch located in XXXX Mi and I could see a few cars in line for drive through so I decided to go inside but guess what doors were locked and it was drive thru only so I got in the drive through line and hat to wait almost 30 minutes to get to the window after waiting so long I thought to myself its time to switch to a different bank I told the teller I would like to close my account she said I would have to go to another branch were the inside was open so I ask what was the most I could withdraw she said XXXX and gave me a withdrawal slip that I filled out and returned to here with my VALID state identification the same Id I opened my account with so I few minutes went by and she ask did I work for a company and I replied no a couple more minutes went by and she ask me another question and I told her I wasnt answering anymore questions just get MY money so I can go she just sat there do I said give me back my id and she said the transaction wasnt going to be put thru I got my Id and left I went to another Huntington bank branch on the other side of town a 40 minute drive with gas XXXX $ I wanted to close account and receive cash the teller explained to me that they didnt have enough cash on hand and then she said my account has been flagged for identity theft and fraud from the bank teller that I went to first she maliciously put fraud on my account forcing a hold on all my money when the had my VALID state identification she did this purposely so I would be put in a bind now I cant get any money from my account and I have XXXX $ to my name Huntington Bank should be ashamed and there is nothing they can do to make it right this was completely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AZ

Complaint narrative:
I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The bank doesnt know where my {$3100.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have stated multiple times with Navient that I am enrolled in school and continue to get 5-6 calls and e-mails per day from them. The harassment is out of control. When I have contacted them via email, I am harassed further to communicate only by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: General Motors Financial Company, Inc.
State: FL

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 an auto loan account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Stellantis Financial Services US Corp.
State: CO

Complaint narrative:
Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent First Investors a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.

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 2022-05-26 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: DISCOVER BANK
State: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation