vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to submit a Borrower Defense to Repayment application regarding the federal student loans I obtained to finance my education at the XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX 

I enrolled at the XXXX XXXX in XXXX with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at XXXX XXXX XXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. 

The XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : XXXX XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. 

Misrepresenting Program Value : XXXX XXXX XXXXXXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant student loan debt to finance my education. 

In my final year, they advised they had a new loan product, the signature private student loan ( formerly through Sallie Mae ) which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. 

As a result of the XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans while not even being able to land a job in my field of study that could even support the payback amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX XXXX  or their Representative ( XXXX XXXX XXXX ) is requesting information from my account via Subpoena, for no valid reason. I received a letter from my bank after the fact stating that were going to respond or had already responded. I called BOA today and requested that they provide me the information or documentation that they had provided to the other party however they refused. This complaint has to do with the previous complaint I filed on XX/XX/2024 COMPLAINT ID 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
I am a concerned consumer and want to ensure that my accounts are being reported 100 % across the board to the credit reporting agencies. I am fearful this may not be the case and have not received this confirmation from this company yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
PLEASE DELETE ALL NEGATIVE ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  reported late payments in regards my credit card that I hold with their company to XXXX, TransUnion, and XXXX which is a violation of my rights under the Fair Credit Reporting Act. I have made several attempts to resolve this issue with XXXX XXXX, however, the company is not complying. Therefore, in accordance with the Fair Credit Reporting Act under FCRA 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 UCS 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, under 15 USC Section 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. Therefore, I would like all of these late payments removed and my credit profile updated to reflect no 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXXXXXX XXXX  reported late payments in regards my credit card that I hold with their company to XXXX, XXXX, and Experian which is a violation of my rights under the Fair Credit Reporting Act. I have made several attempts to resolve this issue with XXXX XXXX, however, the company is not complying. Therefore, in accordance with the Fair Credit Reporting Act under FCRA 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 UCS 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, under 15 USC Section 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. Therefore, I would like all of these late payments removed and my credit profile updated to reflect no 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 explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: LA

Complaint narrative:
There were a lot of unauthorized transactions on my account which I didnt make I tried multiple times trying to figure where the money went & even sent in documents to verify it wasnt my authorizated transactions and still the dispute was closed with no future information or a copy of the report I have also asked them to close the account multiple times which they wont

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: IL

Complaint narrative:
I have court orders that im not responsible for the debt. it should be off my credit report .the debt is NTL Credit Systems for {$5400.00}. I have sent them the court papers signed by me and the ex and the judge and it keeps coming back on my report. im not responsible for this debt. needs to get off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
EXPERIAN reporting on my consumer report a debt by XXXX XXXX XXXX as a NON-AFFILIATE THIRD PARTY : XXXX XXXXXXXX XXXX has not verified or properly validated an assignment of debt ( Actual Credit Card Agreement ), a contractual agreement naming XXXX XXXX XXXX and me as parties agreeing to a financial contract according to 15 US CODE 1692g Validation of Debts

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 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Re : Account # XXXX To Whom It May Concern : Please provide me with the original installment sales contract, along with any notices that were sent to me in regard to this vehicle in accordance with Alabama state law. Furthermore, I ask you send me the payment ledger for all payments made for this vehicle, including any downpayments. Please also send how you calculated what you claim I owe. 
Also, I would like to point out that you are reporting inaccurate information to the credit bureaus. I would like to give you a chance to correct the information, or please delete the adverse and incorrect information that is being reported to the credit bureaus by you, Capital One. 
I would also like to add that I was a servicemember at the time of my purchase of this vehicle, please udate your records accordingly persuant to SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1. I will provide records and proof upon request. 
Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I'm trying to call the company. All they have is a XXXX robot talking. You can't get to a live person. This company is a joke. The company is called Mr.Cooper. No should ever do any business with this joke of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I applied for a XXXX XXXX loan XX/XX/XXXX for {$1800.00} to get my truck fixed at XXXX XXXX XXXX located in XXXX, IL. My credit card was charged {$39.00} for the initial start of the loan with {$140.00} to be deducted from my account every two weeks. There were 3 ACH payments taken out of my account, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX totalling {$440.00}. My truck was still in the shop being repaired when it was stollen off the lot of the auto shop on XX/XX/XXXX. I contacted XXXX XXXX to see what the next steps were and was told that someone would contact me. On XX/XX/XXXX, I received a call from someone by the name of XXXX at XXXX XXXX. I explained the situation and she stated she would have to escalate the call to a higher level and someone would give me a call back. On XX/XX/XXXX, I received a call from someone at XXXX XXXX named XXXX, I explained the situation again and I was told that a dispute was put into the system and I should receive a call back by the end of the week. I never heard back from XXXX XXXX and my account was not debited anymore thereafter. Friday XX/XX/XXXX I receive an email from my employer stating my wages were being garnished by Midland Credit Management for the amount of {$3900.00}. I never was notified of a judgement nor was I served any documents. No payments were taken out of my account after I contacted XXXX and informed them my vehicle was stolen. I have the same bank account for over 7 years now. No delinquencies were reported on my credit report. I attempted to contact XXXX finance and all they were able to tell me was the account was charged off on XX/XX/XXXX and Midland Credit Management has the file. The lawyers for Midland Credit Management improperly handled the procedures by obtaining a judgment to have my wages garnished by receiving an Exparte judgement. I was never notified or served.

Company response to consumer: Closed with explanation