vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank erroneously reported to the credit reporting agencies that a credit card account in my name was delinquent. The alleged delinquency occurred in XXXX of 2017. A review of all account statements and correspondence from Huntington reveals that the account was never delinquent, that it was closed on XX/XX/2017 and that the balance remaining on the account was {$0.00}. Copies of all relevant documents establishing for foregoing facts, including a Timeline of Events, is attached for your reference. 

I notified Huntington of the error by telephone and they insisted that the account was delinquent. I requested that Huntington provide me with documentation substantiating their claim and they have refused to provide it. In addition, I provided Huntington, via certified mail, copies of all relevant statements and correspondence. They did not respond to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: KY

Complaint narrative:
RMS repeatedly calls my work phone and cell phone incessantly. XXXX XXXX is the date of the last phone call I received. I explained that this debt is not valid. I dropped my course with XXXX prior to the drop date deadline. I do not owe XXXX anything. The woman on the phone told me that she was going to call XXXX and tell them that I am refusing to pay the debt and threatened to damage my credit further if I refuse to pay RMS {$2500.00}.

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 2022-07-22 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-22 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-22 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was a victim of identity theft in XXXX of this year. At least one other bank account was linked to my Bank of America ( BoA ) credit card account in my name and my previous two payments in the amounts of {$1800.00} and {$810.00} were " refunded '' to the account ( s ) in question. Pursuant to section 609 ( e ) of the Fair Credit Reporting Act, I requested from BoA all documentation relating to the fraudulent transactions including bank account numbers and all records of phone numbers used to activate or access the account. With my initial request, I included a copy of my driver 's license to verify my identity, a copy of XXXX Police report no. XXXX, and a copy of FTC Identity Theft Report no. XXXX. One month ago, XX/XX/22, I received a BoA customer service agent XXXX, who informed me that she could not provide any of the requested information and that BoA would only provide that information to law enforcement. I brought to her attention that the victim is entitled to that information directly. They have had more than 30 days to provide the requested information and are now in violation of federal law by refusing to do so.

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 2022-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have previously complained about Portfolio recovery and the complaint was closed and nothing was resolved. Complaint # XXXX. 

Portfolio recovery has been negatively reporting to the credit reporting agencies causing my credit score to drop significantly. 

I have requested validation of the alleged debt and they have not issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 

Furthermore, they never sent me any first communication, yet in their response to my dispute with the credit reporting agencies, they have sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX 

I have requested of them in several occasions including today via email a copy of the alleged contract between XXXX and Portfolio. Copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. 

I need someone's assistance with this company. They do not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: IN

Complaint narrative:
XX/XX/2022, I sent a ltter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating '' They do not report any bankruptcies to anybody, '' So if that's the case, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15USC 1681.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Unauthorized credit inquiring's- credit pulled XXXX XXXX & XXXX, XXXX - shouldn't have pulled my credit 2 times in a week! Also shows inquire for XXXX XXXX, XXXX - I didn't apply for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
We received assistance through NC Assistance Fund for our mortgage. We have a mortgage with Midland Mortgage. An ACH payment of {$11000.00} ( payment ID XXXX ) on XX/XX/2022. Midland mortgage still has not applied the funds and keeps sending us loan modification documents we didn't request. We tried working with Midland mortgage and sent back three signed separate loan modification documents at the beginning of the year. They kept denying the forms saying I hadn't signed them correctly. They never processed the modification after trying to work with them for four months. We then qualified for assistance with the state of North Carolina through the NC Assistance Fund. Now our mortgage company is refusing to process the payment and trying to pressure us into accepting a loan modification that is quite a bit higher per month than what I pay now. The funds from NC Assistance brought our account current and they are to receive a payment in XXXX, XXXX, and XXXX. Please help me with my mortgage company applying the payment. They accepted the payment and haven't reversed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
XX/XX/2022 - {$620.00} was directly deposited from my account without my authorization and against Federal COVID relief regulations -called Feloan, explained the situation, and was told they will refund the moment it post XX/XX/2022 -Money was returned by my bank XXXX XX/XX/2022 -Fedloan made a second attempt to take out money and unfortunately, it went through because my paycheck was directly deposited -immediately, called fedloan, explained the situation again, the immediately stated the will provide a refund but never stated how long it will take XXXX XXXXXXXX XXXX -called to check on status of refund status, its pending, talked to customer service rep and was told 2-3 months before money is refunded XX/XX/2022 -spoke to manager and supervisor and was told there was nothing they can do on their end, the request has been sent to the treasury department, they are backed up with other refunds , and it may take a while. 
-was told any overdraft fees I receive, send a letter to fedloan requesting they refund, and to file a complaint on this website. 

I need help with expediating my refund. I have other bills to pay and I cant pay them when my checking account is in a negative

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Starting around XXXX XXXX best buy had a problem sending my my bill, providing it online, or providing promotion terms over the phone. Customer service phone lines had hour waits. 
The major of items I purchase at best buy is on XX/XX/24 month zero interest deferred offers. I try to keep track of them and for about a decade I paid them off on time. 
During this time I paid XXXX of dollars as payment toward offiers on the credit cardeven though I did not know where we were on the payments. 
Finally in XXXX I paid a large amount of best buy charges off. Best buy acknowledged they messed up with billing. They refunded me {$210.00} in interest charges and they were to remove a interest I was charged. They never fixed the interest charges. 

In addition other items I bought under promotional offers I would get a price adjustment or the product was returned. Best Buy then would change promotional termswhen they were not supposed to and I get billed for interest. 

Finally items I have purchased would vanish or order not be fufiiled but I got billed for the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: NV

Complaint narrative:
I applied for a student loan through Ascent 's website on Sunday, XX/XX/2022, after thoroughly researching private student loan interest rates on many sites. Ascent advertises they offer a 3.27 % Fixed APR for credit-worthy borrowers. Upon applying, I was prompted to add a cosigner due to my lack of sufficient income. I had my mom added as the cosigner. After she completed her application, I was pre-qualified and I could choose a loan product to see my individual rate. I went through and chose the options that would yield me the lowest fixed interest rate. To my surprise, the lowest offered to me was over 9 %. Mine and my cosigner 's XXXX scores are XXXX and XXXX Credit scores over 800 are generally considered well-qualified and credit-worthy. On Friday, XX/XX/XXXX, my cosigner called Ascent to ask what would qualify someone for a lower interest rate, or just anything closer to the advertised 3.27 %. The representative could not provide much information. I proceeded to call and spoke with two representatives. They both could not tell me what would qualify someone for the low rates being advertised, but that it depends on credit and debt-to-income ratio, and other factors. I requested a call back with more detail on what the tiers are for rate increases on qualifications. Within a couple hours, I received a call back stating the interest rate is solely dependent on credit ( not debt-to-income or other factors ) and only a score of exactly XXXX would qualify for the advertised 3.27 % fixed rate. He proceeded to tell me they have plenty of borrowers that qualify for the advertised low APR. So I did some research. Approximately 1.6 % of Americans have a perfect XXXX score of XXXX. Approximately 8 % of outstanding student loan debt is from private lenders. Of that 8 %, only 11 % is graduate loans. ( Keep in mind, we are talking about the XXXX loan specific rate, not XXXX ). Ascent is not the biggest private student loan lender. If you do the math, they are advertising a rate that *most likely* no applicant qualifies for. Only 1.6 % of the entire population has a perfect XXXX score. Of that 1.6 %, how many are applying for a graduate student loan through Ascent? I understand that I do not have an XXXX score, but I and my cosigner do have excellent scores of XXXX and XXXX. Those credit scores should not constitute an almost-triple APR of that advertised. They are actually offering me a rate closer to the highest APR offer than the lowest. The advertisement is clearly misleading and does not contain any disclaimer that " credit-worthy '' means an XXXX ( literally perfect ) credit score only and without it, your rate will be astronomically higher, even if you are credit-worthy and considered to have excellent credit.

Company response to consumer: Closed with explanation