vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hello, I took out a Private student loan with XXXX ( XXXX  XXXX XXXX ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a KIT ( keep in touch payment ) which was {$10.00} a month. As a XXXX  mother at that time, I was XXXX  and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( XXXX ). So although I had to call XXXX per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( XXXX ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the 7-year payment history and delete the account.

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a Single mother, I am ready to start new and really need this.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing today in regards to my account with Comentiy Bank/ Victoria Secret account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020. During that time XXXX has declared a natural disaster XXXX due to Covid. I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I SOLD a sterling pin on XXXX, was paid and product was shipped with tracking number to the address given. Paypal want to take the money back because the customer claims he never got the package. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
XXXXof 2021 I was calling, voicemail, emailed, and stalk t SN Services to make a payment and be current on my mortgage. They lock my account online ( I could not make any form of payment with SN serving open my account, reason why I kept calling because I didnt understand why I couldnt make a payment. I did what I could to stop this foreclosure and no one responded until it was happening. I finally spoke to the lady once for her to tell me my house is in foreclosure. I was told this in XXXX. ( foreclosure started XXXX I was calling to stop it ) I could even rest my passwords unless they unlock my account. XXXX and XXXX I was calling to make payment to prevent the house going into foreclosure. She didnt respond until the house went into foreclosure causing me lawyer fees and I had to pay and get it out of foreclosure by the end of XXXX. I called and tried to make payment for 4-5 months and no one responded until it went into foreclosure XXXX. Please help me please I have the XXXX out of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/XXXX and at the time had private student loans serviced by AES that I was paying roughly $ XXXX. The payments on these loans were suspended during my bankruptcy and I knew they'd be returned to me after I was released. I paid off my bankruptcy early in XX/XX/XXXX and I expected payments of roughly the same amount to resume in XXXX or XXXX. When I got the letter from AES the payment was {$710.00}. I started contacting them immediately telling them that payment was a financial hardship and I wouldn't be able to make it. They insisted I had no options because I had been in a graduated repayment plan with a 20 year term that would expire 50 months. They had recapitalized the principal and interest over 50 months rather than giving me the XXXX years I should've had left. I contacted them several times between XXXX and XXXX just asking them to give me a longer term for a manageable payment. Finally in XXXX I spoke with an escalation team member who confirmed that my original balance was $ XXXX and I had made nearly $ XXXX in payments already before my bankruptcy. The balance is currently {$31000.00}. So i should've paid a total of {$49000.00} if I made all payments as agreed, but with them capitalizing the interest during my bankruptcy I'm now set to pay {$63000.00} ( approx. ) over the life of loan charging me and add'l $ XXXX in interest. Not working with me for any type of agreement is an extreme financial hardship and the credit impact of not paying on time puts my job in jeopardy. The escalation team member requested I ask the lender for exception or work out and I did that on XX/XX/XXXX and got rejected yesterday. The servicer now says I must go delinquent for them to work with me which will adversely impact my credit further keeping me in an untenable debt situation. The agents at the servicer have also told me multiple times that it was " my fault '' for getting private loans and also that because they are private loans that they don't have to do anything because they can't be XXXX. This feels abusive and predatory. I attempted to refinance with a co-signer but given the fact that I'm recently out of bankruptcy no one will lend to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MD

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account.

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.

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 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I took out this loan in XX/XX/XXXX. I made my first payment in XXXX for XXXX. My payments are not being applied to my monthly payments correctly. Every month I have to call to have it corrected. They said I'm paying too early and that I have to wait til my payment date. I explained I am paying the month prior to keep my household bills separate from this loan. I am due for XX/XX/XXXX and I log in and now my payment history says posted and then failed and my account is showing due for XX/XX/XXXX which is still not correct. I feel like I'm doing everything on my end to be a responsible party and this company is doing some shady stuff with my account that is going to cause issues down the line with my account or credit. I've contacted them 3 times about the same issue and it seems it doesn't matter when I make the payment it's always something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: OH

Complaint narrative:
I looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.

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 2021-11-02 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: BMW Financial Services NA, LLC
State: DC

Complaint narrative:
BMW UNLAWFULLY AND ILLEGALLY is accessing my credit report WITHOUT MY CONSENT AND OR AUTHORIZATION!! THIS IS A CRIME AND A VIOLATION OF OHIO AND DC AND FEDERAL LAW AND WILL END IMMEDIATELY!!! MY credit report is locked/frozen with ALL THREE BUREAUS AND A FRAUD ALERT IS PLACED ON MY CREDIT REPORTS AND BMW STIL CONTINUES UNLAWFULLY AND ILLEGALLY ACCESS MY PRIVATE and confidential credit report, illegally MONTHLY! I DO NOT HAVE AN ACCOUNT WITH BMW AND YOU WILL STOP THIS IMMEDIATELY!! IM A XXXX HOMELESS VETERAN WITH NO MONEY INCOME OR ASSETS!! GET OUT OF MY CREDIT REPORT AND MY BUSINESS AND STAY THE XXXX OUT BMW!! YOU ARE VIOLATING STATE AND FEDERAL LAW AND HAVE BEEN REPORTED TO THE DC ATTORNEY GENERAL THE OHIO ATTORNEY GENERALS OFFICE, THE XXXX, AND THE CFPB!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
My American Express full statement payment of XXXX was due on XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. Amex charged me an interest of XXXX for this XXXX day late payment, which is 14,132.5 % in yearly interest. When contacting Amex today, I was told that this is standard practice. 
I think that this practice is outrageous and should be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MS

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing today in regards to my account with Bank of America account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, XXXX declared a XXXX XXXX XXXX which impacted me greatly during the month of the late. As soon as I was able to, I got my payment made and caught up. As you can see I have made all my previous payments and payments after on time.

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 2021-11-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Both student loans serviced by Firstmark were on Auto Debit, with no missed or late payments for many years, as of the XX/XX/21 statement ( attached ). After my bankruptcy filing, Firstmark unilaterally cancelled the Auto Debit agreement, yet still required payment for my loans. They claim they sent a letter to me stating Auto Debit was cancelled. I did not receive this letter, and Firstmark can not prove that it was delivered or even sent, as it was not sent via Certified or XXXX mail. After downloading said letter from the website, I realized that it was generated on XX/XX/21, and that they claimed that the Auto Debit was cancelled " at my request ''. This is a lie. I did not request the Auto Debit to be cancelled. Firstmark cancelled it due to the bankruptcy filing, because according to one agent, " that's just the way the system is set up ''. There was no permission from me, nor legal requirement to cancel the Auto Debit agreement, because these agreements with Firstmark can only be set up via a checking or savings account - not a credit card. Only automatic payments from a credit card are required to be cancelled in bankruptcy. Furthermore, aside from the auto debit cancellation notice they claim they sent, no other statements or letters were sent regarding this account until late XXXX. Upon realizing that the account was in arrears, I immediately made payments to bring the account current. However, Firstmark by then, had already reported the lateness of the account to the credit bureaus. This is an extremely unfair practice, especially considering there has never been a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: World Acceptance Corporation
State: MS

Complaint narrative:
XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated attempt through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to FCO and Attorney General of Texas complaint.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Notice received from Target RedCard that an application for a card was made in my name but was declined as they were unable to confirm required information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
The company refuses to respond to any my letters I sent them On XX/XX/2021 I sent a validation letter they didn't respond On XX/XX/2021 I sent a settlement letter they didn't respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation