vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX  XXXX # XXXX Bal- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa 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 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Issue # 1. Navient is charging illegal fees to me during the XXXX discharge process. This obviously needs to be stopped. # 2. Navient needs to be aware that XXXX may be reporting my last name incorrectly, and they need to communicate directly with XXXX to insure my application is being processed correctly and expediently. Including reading the attached complaint regarding my issues with XXXX so they can take action on their own to resolve issues with communication and potential clerical errors directly with the source. I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # 1. Got a notice from XXXX ( who obtained some but not all of my loans from Navient ) that my application for XXXX discharge is being delayed by XXXX because they spelled my name incorrectly. They wont communicate directly with XXXX, they said I have to. We tried, and XXXX refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # 2. Navient is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of Navient charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to XXXX multiple times, the XXXX branch of XXXX seeking help, and literally never even received a response. It is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
From the beginning, 21st Mortgage has been a pain in the XXXX. First, they made every effort to make it difficult to obtain the loan like ; Not excepting military pay as income or my XXXX. One comment was " You cant be active military and receive XXXX income! '' Another " We can not accept a down payment from a nonprofit organization '' Now that I have had a loan with them for a year, it seems that they make it so difficult to make a payment. They reject payments and demand that I provide my checking account number over the phone, which makes me very uncomfortable. 

From day one they make me feel that I am a criminal trying to scam them when it is the other way around. They are the criminals trying to take my property. 

Even with the ESCROW, they claim I was scamming because I am a young guy paying very low taxes on the property. They never saw where a young person pays as little as I do on property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: CA

Complaint narrative:
XXXX was my health insurance provider in XXXX. They have wrongfully sent a disputed debt to a collections agency for {$760.00}. 

I received prior authorization in XXXX, XXXX, and XXXX from XXXX for treatment by an out-of-network XXXX. Despite the prior authorization for care, and despite filing grievances through XXXX XXXX  they consistently failed to correctly process claims. Each claim submitted required a complete grievance process to ensure appropriate reimbursement. I eventually filed a complaint in XX/XX/XXXX with the CA DepartmenXXXX XXXX XXXX XXXX XXXX that confirmed my prior authorization. The resolution was supposed to be for XXXX to process future claims correctly. Findings are attached for reference. Despite these findings, XXXX continued to incorrectly process claims, and I continued to dispute those incorrect claims through the grievance process. 

As of XX/XX/XXXX, XXXX began sending an incorrect request for reimbursement for XX/XX/XXXX treatments. I filed a grievance with XXXX on XX/XX/XXXX. XXXX did not confirm the grievance was catalogued in their system until XX/XX/XXXX. The grievance is listed under XXXX. As of XX/XX/XXXX, this grievance has not been addressed. 

I also filed a complaint with the CA Department XXXX XXXX XXXX on XXXX. The department released their findings and resolution on XX/XX/XXXX, stating, " XXXX XXXX XXXX has approved your request for as a one-time exception and will remove you from collections and/or avoid collective action. '' Despite this finding, XXXX incorrectly submitted the supposed " outstanding amount '' to a collections agency, Lamont , Hanley & Associates, and I received a collections notice dated XX/XX/XXXX. On XX/XX/XXXX, I emailed both the collections agency and XXXX with documentation to refute claim, including letters of prior authorization and findings from the XXXX. Lamont has not acknowledged receipt of the email, and I received a phone call from them XX/XX/XXXX at XXXXXXXX XXXX XXXX only acknowledged receipt of my email after I sent a follow-up email on XX/XX/XXXX, and a separate email on XX/XX/XXXX that referenced measurable material harm from the impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX  # XXXX, Account Name : XXXX  XXXX  # XXXX. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which
antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX  # XXXX. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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 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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE continues calling me after I asked them to stop calling and blocked their number. They use different numbers each time they call to avoid the call being blocked. They called on XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XXXX from XXXX, then XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to open a bank account and I was denied due to an account opened in my name without another bank - which I had no previous knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
While I was XXXX overseas, a charge was made in XXXX to pay for XXXX charges using my AMEX XXXX card. The total amount was {$20.00}. I did not receive this notification until a couple months later because I did not have access to any internet at this period of time during my XXXX. Due to this delay in connectivity, a 30 and a 60 day penalty fee wound up appearing on my account for this charge. When I returned from this XXXX, I contacted AMEX on XXXX XXXX, XXXX to file a fraud claim for this charge and I explained to the team that I was no where near the location of this charge during the entirety of my time overseas ; therefore it was impossible for me to make these charges. On XXXX XXXX my first fraud claim was opened and ultimately resolved in my favor. I waited 30 days to receive my supporting documentation letter stating the results of this case, in which the letter never arrived to me. I needed this form to file my claim with the Credit Bureaus to repair the negative annotations on my credit report and ultimately the damage to my credit score this has caused. ( I filed a dispute with XXXX to remove the negative annotations and it was denied due to no supporting documentation of my fraud claim. ) After this 30 day period of waiting, I wound up contacting AMEX 3 separate times roughly two weeks apart from each call to have the fraud department resend the letters to my address on file. After multiple failures to receive this letter, I changed my address on file and requested yet again to receive the letter which also failed and I still never received. Since the day I changed the address on file, the amount of times I've contacted AMEX to receive the letter has risen to XXXX. 

On XXXX XX/XX/2022 over another phone call I was told by a gentleman who worked for Sunrise in the AMEX XXXX department that " the previous representatives I spoke to never sent the letter because they could not find my fraud case. This is when I was made aware that since it has now been 10 months since the charge, " the files disappear and made it difficult to locate my case. '' At this time during this phone call I was advised by this gentleman to have to open yet another fraud case regarding the same claim in order for a supporting documentation letter to be re-generated and sent to me. I have since done so and have failed to receive any kind of documentation regarding my claim, nor have any physical proof of a fraud claim other than my two case numbers. 

Since AMEX refused to do so themselves, I have exhausted all options on my end to receive a letter of supporting documentation so I can properly file my dispute with the credit bureaus and have the negative annotations on my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was never late paying my debt. This is inaccurate. You are reporting inaccurate information 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 non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX, XXXX. Acct # XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX - XXXX XXXX Acct # XXXX US DEPT. OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Bankruptcy Reference Number : XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN FAILURE TO UPDATE RELATIVE POHONE AND CONTACT INFORMATION FOR THE CONSUMERS FRAUD ALERT INFORMATION DESPITE REPEAT SUBMISSIONS TO EXPERIAN TO CORRECT THE INACCURATE AND INCORRECT INFORMATION.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have attached my complaint and not put it here because I have figures to support my complaint that can not be attached in this area. Please see attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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