vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am currently being charged late fees for XXXX  graduate student loans for XX/XX/XXXX while federal student loans are still in process of being paused by Navient. 

In addition to the mismanagement, they are asking for due dates for student loans to be paid before they charge more late fees before the end of the student loans pause on XX/XX/XXXX. I am currently applying for consolidation for XXXX. I was also unemployed during the pandemic for 15 months. These practices are predatory and should be stopped. 

I have already contacted senators, representatives, and social media to warn regarding Navient 's disgusting predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: IL

Complaint narrative:
Experian, XXXX, XXXX, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.

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 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with XXXX and their representatives are completely incompetent.

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 2021-12-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with XXXX and their representatives are completely incompetent.

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 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My home is in foreclosure. I just realized my loan originated from XXXX and all the foreclosure documents are robo signed and the company has no legal standing to foreclose on my home. They did not honor my original loan modification and they accepted several payments that were not applied to my loan and were never returned to me, I want the foreclosure reversed. I did not know previously that the assignment of the note was forged by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. BANK OF AMERICA account are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER 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 2021-12-20 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: LEXISNEXIS
State: TX

Complaint narrative:
LEXIS NEXIS is reporting my personal data to Credit Bureaus, namely, XXXX, expressly, without my permission or any fiduciary appointments. This unlawful action exposes my personal credit to incorrect information, ie, Bankruptcy Reporting, where the Federal Bankruptcy Court in XXXX, Texas has stated that " We do not furnish information about any of our records to any credit bureau. '' After confronting XXXX about these " Invasions of Privacy Issues '' they stated that, " Lexis Nexis furnishes the information to them and I would need to send a letter to them stating that I do not have a bankruptcy from the court '' ignoring the fact that they already admitted that the information was furnish through a 3rd Party. 

In XX/XX/2021, I submitted an OPT OUT FORM on Lexis Nexis website with the confirmation # XXXX. I called the next business day, on a Monday, and requested a FREEZE ON MY PERSONAL DATA, which was completed and I was suppose to receive a copy of it in my mailbox, which has failed to arrive. 

Lexis Nexis Continues to furnish my information to 3rd parties, which resulted in my XXXX XXXX being repossessed in Louisiana and addresses I have not lived at or currently live at, false debts, fraud debt collection reporting and many more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I received letters that said I could get a deferred payment plan. I called the number they said I have to pay {$290.00} times and that would stop and start my deferred payment plan. I have not made the first payment but they will not call me back or take calls. My mother already did the deferment on my FSA but now we can not login the company changed my account login

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NC

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 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 2021-12-20 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: IL

Complaint narrative:
XXXX, XXXX, XXXX, and Transunion are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.

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 2021-12-20 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: IL

Complaint narrative:
XXXX, XXXX, Equifax, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: LEXISNEXIS
State: IL

Complaint narrative:
LEXISNEXIS is reporting inaccurate public record information to the consumer reporting agencies that is a private matter and I never gave permissible purpose to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made several requests via mail disputes for EQUAFAX to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EQUAFAX credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. XXXX  should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify XXXX with the letter to update my account but they have yet to fix it. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX  Update account XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX and I I uses everything to survivive and I'm still XXXX in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing

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 2021-12-20 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: TX

Complaint narrative:
I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX  and I I uses everything to survivive and I'm still XXXX  in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing

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 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
An unauthorized charge was made for a resort stay to my account. The bank temporarily issued a credit, then reversed it. The resort was paid for via a 3rd party and I was able to stay at the resort from XXXX XXXX XXXX, and only provided my debit card for authorization for security deposit. I was subsequently charged by the resort on XX/XX/2021 for the full resort stay, even though they were already paid for my stay by the 3rd party. I essentially paid for the stay two times, the bank did not rule on my favor despite detailed documents clearly showing the resort charge was unauthorized. They refuse to acknowledge my appeal or make any updates on the investigation and I have been requesting my money back for 6 months.

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 2021-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made several requests via mail disputes for TransUnion to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my TransUnion credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX XXXXXXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify TransUnion with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account XXXX XXXXXXXX Delete 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 non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: MO

Complaint narrative:
Agent divulged personal details about an alleged debt to my brother, a third party who is not a signer on the account nor involved in any way. Information about the alleged debt should not have been given out as the uninvolved third party now has knowledge and information about the alleged debt. Agent threatened legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: AR

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 2021-12-20 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: AR

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 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 2021-12-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made several requests via mail disputes for EXPERIAN to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EXPERIAN credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify EXPERIAN with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account Credit XXXX Delete account 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 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
XX/XX/XXXX Opened PayPal account Deposited {$500.00} cash at XXXX to new account Bought {$100.00} crypto on PayPal An hour later Blocked my money permanent limitation Can't access funds for 180 days I provided PayPal with a copy of my ID that was requested I have never used this PayPal account I did not sell anything or receive any other money on this account. PayPal refuses to give me any information on what the limitation is caused by or why just that my money is not going to be available for 6 months The only explanation that was offered was that my money would be on hold for 6 months in case there were any returns however I never sold anything on this account I just opened it that day. 

That money was put on that PayPal account to shop online for my kids XXXX presents which has snowballed into a really bad situation for myself and ultimately my kids getting XXXX presents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation