vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that Equifax didnt make 100 % correct. In accordance with the Fair Credit Reporting Act, everything reporting must be 100 % accurate on my credit report and under 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am not liable for this debt with XXXX XXXX XXXX XXXX  account # XXXX and demand this debt be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM Account number : XXXX Date opened : XX/XX/year> Account type : Collection The XXXX is a fraud. This lady XXXX XXXX XXXX signed me up for a loan without my permission! Not too say she lied on my account when it was time for me to move out the unit. I had an housing voucher from XXXX XXXX XXXX, which clearly states I have to provide a XXXX day notice. I did not bring no bed bugs or leave none when I moved out the unit. 
XXXX XXXX XXXX do inspections. This rental property was doing inspections too regularly. I passed every inspection with no problems. when I moved into the unit there was an exterminator that kept coming to spray my unit and the building. I asked what's going on? Later on I found out there was a bed bug infestation. I did not leave no furniture at the dumpster. wrong tenant. On the day I moved out which was XX/XX/year>, the neighbor from XXXX .Upstairs came over with her boyfriend took furniture out of my unit! The mini XXXX was damaged from previous tenant before me! I was going to renew my least. I decided not too because the neighbor at XXXX XXXX, XXXX was disturbing my peace. Smoke coming up through my vents. Beating on the ceiling every time I walked in my apartment. I called the cops many nights on this neighbor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have a private student loan serviced through Navient, with a co-signer, from XXXX. Had the co-signer not been paying the loan off it would have been part of the predatory loan settlement brought by several AGs a couple years ago. 

The co-signer is my ex-step father whom has been paying the loan for over 10 years, and was told by a judge in his divorce with my mom that he is responsible for it. As a single mom, who is already in a legal fight to get paid the child support/alimony I'm owed, I am unable to make payments on this loan. He has been the only one to ever pay on this loan. Now that he is no longer married to my mom, he intentionally stopped paying the loan so that he could try to work a settlement deal with them. Despite being a XXXX. This is where I am finding it hard to understand if this is legally available for Navient, because on the promissory note it states we are both jointly & severally liable for the full amount. They told me today that they approved him for waiver based on him letting them know I can pay it, despite the tax return information I have provided. 

While I have heard of a co-signer release, I have never heard of a co-signer waiver. Navient has just approved for the co-signor to pay a percentage of the loan off to have his name removed without affecting his credit, then leaving the remaining balance solely on myself even though I have provided evidence of not being able to afford payments. Nor would I be approved for a loan without a co-signor, currently. The supervisor even made a comment to me about whether or not I knew this would affect me being able to take the bar if I dont pay it, once they remove him. Once the co-signer pays the 70 % of the current loan amount, more than double of the original loan will be paid back to Navient. Even more, they offered to settle the loan for less than what they are accepting for the co-signor waiver. 

I have searched everywhere on the internet for information regarding co-signer waiver, cant find anything. I have tried to reach out to the top executives at Navient ( CFO & Chief Legal Officer ), regarding this issue, I have requested a signed copy of the original loan agreement, and no-one will email/call me back. While I have been provided the promissory note, they will not provide me with the full signed loan agreement. I was yelled at over the phone by a case manager saying they can do it but not explaining how, legally, where it is stated in the loan agreement. I feel like this is wrong, and was hoping you could maybe point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Ive asked repeatedly for this company to stop calling me. I am not the person that owes any debt. I am the original owner of this phone number and no one else has ever had it and I am not the one that owes any money. I tell them every time I answer their call and they promise to take me off their list and then they start calling again. I dont owe money to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The cards benefits is no foreign fees however some appeared. I tried calling again and asked for an agent. Went on the menu over and over in XXXX and XXXX. The system is set up to hang up. This most end. Customers must have a way to reach a human without any issues.

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a notice in the mail. I went to a XXXX  location and spoke with an associate about my mater. She said that I would have to file a police report and fill out online theft link. I sent the information over my mail. Next thing I know I get another document in the mail from XXXXXXXX XXXX  requesting me to pay the full amount. I explained to the agent that I have never had a XXXX  account! Thats when I filed an identity theft report Number : XXXX. Total fraudulent amount : {$1300.00}. They have sold the debt to another agency called Jefferson capital systems and now they are trying to collect on a debt that is not mines due to identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
Venmo froze my account on XX/XX/XXXX when I switched from an XXXX  phone that broke to a new XXXX. I've been unable to pay or be paid since. 

I was advised to upload photo ID which I did immediately on XX/XX/XXXX. 

When I called today XX/XX/XXXX, I spoke with a rep and a supervisor both of whom gave no reason for my account being frozen and no further recourse aside from waiting for an Account Specialist to contact me up to 3 weeks from today. Unacceptable Venmo Case XXXX Supervisor name : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am unable to transfer my Chase Ultimate Rewards points to XXXX Partners due to an error on Chase 's end. My entire name matches completely between Chase, XXXX XXXX, and XXXX XXXX. An error occurs when I try to manually transfer AND when a Chase representative tries to transfer points. 

Email corrrespondence to have my issue resolved on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These attempts have led to being transferred to another representative who can not resolve the issue and transfers me to another representative. 

3+ Phone call attempts in the last month to transfer points that were met with an action to, " escalate the situation to the Marketing Department to see if they can resolve the issue. '' in which I haven't heard anything from Chase regarding these escalations, even beyond the " 10-business day '' expected response-time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After carefully reviewing my credit report from Equifax, I have noticed a concerning absence of any credit score or credit data. This absence is particularly troubling as I have maintained active credit accounts and have a history of responsible financial behavior. Despite my consistent efforts to manage my credit responsibly, it appears that Equifax has failed to accurately capture and report this information. I am deeply concerned about the implications of this omission, as it may hinder my ability to access credit and financial opportunities. I urge Equifax to promptly investigate this matter and take the necessary steps to ensure the accurate reporting of my credit data, thereby restoring the integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CT

Complaint narrative:
This Collection Agency Send Me A Bill That I Owed XXXX XXXX XXXX  This Amount, But I Got A Receipt That I Send The Equipment Back To Them. I Have Send This Collection Agency 2 Letters Asking To Investigate This With XXXX XXXX XXXX XXXX Present Moment Nothing.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
PENTAGON FEDERAL CR UN Account type - Credit card Date opened - XX/XX/2015 Address XXXX XXXX XXXX XXXX, VA XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that 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 explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a member of Citibank with a Priority status and a member of XXXX. I applied for their credit card and was rejected on the following grounds : Your credit report shows : too few accounts currently paid as agreed ; a lack of recent installment loan application ; no recent revolving balances ; too few accounts with payment information. 

I have a Citibank credit card which I use regularly and pay on time. I have had this card for many years plus several others in the past. My credit score is quite high and I have an income of over {$75000.00} a year plus substantial savings. I am retired and don't own a home and have never had a mortgage. Their is no legitimate reason for this rejection and they refused to explain the rationale for it. I spoke with XXXX and they had no problem with my credit worthiness. I consider this discriminatory. They have no legitimate reason to deny me the card. I suspect they want people who run up debt and pay interest which I do not do. Further, this rejection is likely to prevent me from getting a credit card from another vendor. What is the reason for this nonsense?

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I did my taxes on XXXX XXXX as I have for the past five years. I received approval for my refund anticipation loan. Of course like every year its put on my credit karma card as that is the only way to get the loan. Nearly a week later after receiving the funds for my loan credit Karma closed my account. I called the service line and the customer service told me they can close my account for any reason. But I would receive a check for the remaining balance in my account from my loan. Well I was in shock because where is the remaining balance of my taxes going to go? My return did clear XXXX and the XXXX was paid but no one can tell me where and how I am going to receive my remaining balance. I am outraged and disappointed that there is no answers given and my money is just lingering in cyber space.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Friday XXXX. XXXX Goldman Sach is dirty! 

If you dont pay them they can cause you to lose your home. 

Yes Im sorry but let account go to collections. So now. I must come up with {$4500.00} that compounds at XXXX and other fees $ per day until paid. XXXX XXXX sheriff told me. Goldman has had several different collectors and a new one will send a bill. 
I got another letter that said the sheriff has control of account. and they went into my bank savings account and took XXXX . Which was my mtg from my social security check.but because I dont have {$4500.00}. That they wanted. 
Ill be XXXX next month, a bit of XXXX XXXX XXXX, XXXX from XXXX. I get my ss check once a month which just pay the bills. Now Goldman and his sheriff took my mtg that had saved! Its like they dont care if I lose my home. 
Sorry I'm upset but it their aggressive collection procedures. Police At your door is soo embarrassing. 
Goldman is a Bad Company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was able to maintain an account with JPMORGAN CHASE & CO from XXXX. However, JPMORGAN CHASE & CO. closed my account. At this time, I have not received my funding back from my direct deposit at the time due to JPMORGAN CHASE & CO. closing my account and applying the funds to a closed account. Account ending in ( ... XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experiain is reporting inaccurate information on my credit report. XXXX do not respond and refuses to give me access to my free credit reporting account. I have paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to pay these accounts and file a 1099C on my taxes for them. Yet, these accounts remains on my report. That is against Federal law to continue to have them on my credit report.

They are also reporting duplicate of the same accounts and accounts over 7 years remain on my credit report. All 3 bureaus has different information and XXXX never reponds.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a following hard inquiry on my credit report which is unauthorized and I don't recognize it : - XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen and there were three credit cards on my credit report. Experian removed 2 of them but the XXXX XXXXXXXX account XXXX XXXX {$3500.00} XXXX... was not removed. This account was opened when I was only XXXX XXXX XXXX, and I just turned XXXX and this account has been opened ( but it is now closed but still showing as late on my credit ) I have disputed this and they removed all accounts but this one saying XXXX XXXXXXXX provided info showing the account was mine, but it is not because it was opened when I was a XXXX I want this account removed and I have provided them all my identity showing I am a XXXX  and even my identity theft 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