vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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

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

15 U.S.C 1681 604 A Section 2 : It also States a consumer Reporting agency can not furnish a account without my written instructions. 

15 U S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I have a student loan issue. My family is being harassed and bullied by Navient for student loans we can't afford. We have always tried to make payments when we could afford them, and now because of misleading tactics by Navient we are {$120000.00} in debt. We borrowed XXXX, XXXX is added interest during forbearance, or deferments, and service charges for times Navient mismanaged payments on our account. Right now Navient wants $ XXXXmonth. The lowest plan they are offering is $ XXXXmonth. They say that would go mostly to my principal, but I don't trust them or have a reason too. 

I was recently married, and this student loan situation is ruining my future. It's murdered my credit, some job and entrepreneurship opportunities. My mother, who co-signed, has been at her job servicing the elderly of XXXX XXXX, and XXXX XXXX for over 40 years, she wants to retire, but she can't because she is constantly being threatened by calls and letters from Navient about taking her house, that her and my dad have finally paid off after 30 years. She is scared and because of her age the stress is causing her health issues. 

Navient has recently lost or settled lawsuits because of it's mismanagement, misinformation, illegal and bullying practices, but because I attended an accredited college I can't get any help with my private loans, which is unfair. My mother works in the service industry, she is my co-signer, but because I'm not a service worker, loan forgiveness programs don't apply to me. If we're both responsible for the loan, we should both be able to apply for forgiveness. We are currently running out of options. We are being threatened daily with the date of XX/XX/2022. I have called Navient and begged for a lower payment option, they will not budge. I even asked them for a job to help with payments. 

We are desperate, and don't know what to do. PLEASE HELP! Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
could not respond with info about payment asked for history of payment several times never got that info, just received, with all XXXX 's of errors, do you want me to fax this XXXX sheets, please give fax number to much to send mail, this still as not been resolved errors still even on XX/XX/2022 statement, they are still having difficulty proving which one of these four WHAT EVER THEIR GOING TO USE THIS WEEK!!!! NEVER HAS BEEN REPAIRED, BLOCK OUT BY XXXX COMPLAINTS DEPT XXXX AND XXXX THAT KEEP MAKING THE ERRORS AND TELLING YOU THE ACCOUNT HAS BEEN REPAIRED. CAN NOT ACCESS MY ACCOUNT EVER, AUTO SYSTEM, ACCOUNT INFOR STILL WRONG, ON LINE BANKING STILL WRONG BEHIND SEVERAL PAYEMENTS, NOT EVER FIX. HELP THE NEW COMPLAINT IS FOR THE SAME STILL NOW PASSED ON AGAIN TO XXXX????? SAME DEPT. PLEASE 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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have written several letters asking equifax to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I found out im not legally divorced which was suppose to happed in XX/XX/XXXX. My husband at the time served me divorce papers personally. I was not properly repelresented by any of the lawyers that I hired. I found out XX/XX/XXXX that am still on a mortage at Wells Fargo. I went through idenity theft in XXXX or before where my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co, XXXX, my emails, especially with XXXX were all hacked and had a hard time reporting to the police station here in XXXX XXXX. I dropped out and was on honers due to this. I attended XXXX and my finanical aid microst software was used for other students. I was getting their grades. I have all this proof of evidence. Now, I'm getting a bill from The Dept of Justice to return a pell grant after trying to show them this evidence. On my credit report, i do mot see any updated information of me. There are many diffetent social security numbers, addresses of my spouse, his mother. My name is in many formats and my deceased grandmother name is as a name for me. I see many of my hacked numbers, my spouse numbers and others I do not recognize. My jobs I work is input wrong in mamy ways. My XXXX XXXX has my old boss number on it and I i never placed it on it plus my old hacked number is on my profile. Also, i did not file a 1099 in XXXX as stated.I know I said a lot ; however, I have been dealing with this since XXXX and this is the first time filing a report here.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I've disputed and I've written, letters to each Bureau and XXXX, Equifax, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

Equifax Confirmation : # XXXXXXXX XXXX : # XXXX XXXX : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I've disputed and I've written, letters to each Bureau and XXXX, XXXX, and Experian have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXX Experian : # XXXX XXXX : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OH

Complaint narrative:
On XX/XX/2022, I was kicked out of Loss Mitigation with no reason given to me. The entire time I was in the program, they repeatedly told me to just wait to receive modification paperwork to sign. I never received this paperwork after months of me calling to obtain it to fix my mortgage. Despite their knowledge of me not receiving any paperwork, my loan was still removed from Loss Mitigation and is now being reported to my credit bureaus in violation of guidance regarding Covid assistance. 

Currently, I have secured assistance from the " XXXX XXXX XXXX XXXX '' program to pay my past due balance. Now, Cardinal Financial is doing the same thing as prior. They will not respond to the program to secure the grant. Based on this, I requested a face to face interview and have yet to be granted an in person or virtual interview as required. 

Cardinal Financial will not work with me to make arrangements on my federally funded home loan. This is an intentional and discriminatory act to take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have written several letters asking XXXX to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update 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 explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
this debt was paid and is still showing as an open account and reporting a late payment back in XX/XX/2021 then current from then to now. Comments on the reports show as paid but the account on the XXXX credit reports shows as open. This is not accurate information. This account was agreed to be paid and removed from all the credit reports. This has not been done. This is a closed account but they violated the agreement by not removing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
As a long-time public servant, I was using the studentaid.gov website to apply for public service loan forgiveness. The website informed me that I had to consolidate my loans in order for them to qualify and they offered a tool to do this. I began the process on XX/XX/21 and selected Navient as the servicer of the new loan. I was told that Navient will follow up with me in the coming days to service the new loan. Navient followed up with an email titled " heres the information we discussed '' with additional information about the refinance on XX/XX/21. On XX/XX/21 Navient sent me another email titled " Important notice from Navient '' in which I was told " XXXX, congratulations! You are one of the select few to receive a refinance offer. This appeared to be the next step in the refinancing process I had already begun, so I followed the link and refinanced my loan. What I did not realize is that this was an entirely different refinance offer. To make matters worse, it permanently made my loans ineligible for public service loan forgiveness as well as making them ineligible for the federal student loan pause. After the refinancing was done, when I spoke with Navi about this they said that it was my fault and that the loan could not be converted back to the correct type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your improper reporting of accounts on my credit profile is causing difficulty for me to obtain credit. I've tried disputing this with you on multiple occasions i requested verifiable proof of these accounts and have yet to receive any. these accounts are not XXXX XXXX compliant and i hereby request that they be removed immediately.

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 2022-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Zip Co US Inc.
State: VA

Complaint narrative:
Company offers payment extensions. When looking for a payment extension with customer service they have no call center to talk with someone. They ask you to go onto their website and chat with someone about processing the extension. When you do go online to chat the agents never complete your request for extension and they charge you {$7.00} in fees for each late payment. You would think they would have these chat agents complete the task in an ample amount of time but last week and week before I have requested payment extensions and the agents did not complete the task and I was charged multiple fees by Zip and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX 2022, I sent a letter to the courthouse asking do they 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 f

air investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3XE ) 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

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

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

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have an XXXX credit card. They changed their bank from XXXX to Barclays. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. Barclays did not take my consent.

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 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Loans Account # XXXX XXXX XXXX I has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I have no information on this account. Showed up on only my XXXX report dropping it XXXX points. It looks like it originated from the county hospital XXXX. I have never received services from this company. In fact I have not been to any hospital since 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
never used the XXXX XXXX XXXX  service they lied about how much my service would be then charged me more cancelled same day within minutes of opening account never used the phone or anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an XXXX credit card. They changed their bank from XXXX to XXXX. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. XXXX did not take my consent.

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