vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
Im unaware of this debit I never had an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature on it

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 2024-04-09 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: OK

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have accounts with Mountain America Credit Union. I have a checking account, several savings accounts and loans. Recently, I moved to XXXX  from XXXX. Prior to moving, I updated my address with the credit union and even put in a travel notification to avoid issues during our trip. Regardless, the credit union has disabled my online banking access, disabled my debit card, and refuse to restore access to my account unless I step into a branch. There are no branches in XXXX, so it is completely unreasonable to expect me to drive back to XXXX  to resolve my account. I have spoken to several agents repeatedly and answered all their verification questions correctly. Despite this, they always say I didn't pass their verification, when I know there was nothing incorrect. They are being unreasonable and don't seem to have any practical way to handle this issue under the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone at CFPB should do simple, basic research on what it takes to register for a free credit freeze at each of the three bureaus. Equifax is BY FAR the WORST. XXXX 's process is the best! Simple, easy to register for an account online and freeze or unfreeze your account. 

With Equifax, it is layer after layer of trying to sell their products, with no easy path to just register and set a freeze. Try it at both... you won't believe the difference. Seeing that they are required to provide a free freeze, they should also be required to provide an easy method of signing up for that, without all the sales pitches. 

I had lost my wallet in XXXX  ( ultimately found ) and set up a freeze with all three bureaus. I remember from then Equifax was a pain but I did get an account set up. After a recent bank hack, I tried to get back into my Equifax account and they wouldn't let me in, citing incorrect user name or password. I established this account in XX/XX/2023, saved all my credentials in a password program and changed nothing in 6 months, yet they won't let me in with out calling them ( probably to try and sell me some products! ). 

With XXXX and XXXX, I was able to login and place a freeze in under a minute. 

In my opinion, Equifax intentionally makes it difficult to deal with them in hopes of selling products. This should stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

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 2024-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION
State: NJ

Complaint narrative:
In XXXX I was contacted by Sallie Mae, asking to make a large payment on my student loan. Which I did of about {$5000.00}. COVID hit shortly after and I wasnt receiving calls or even mail from Sallie Mae. In XXXX I had to file bankruptcy XXXX  XXXX, successfully discharged me. I noticed on my credit report my Sallie Mae loan showed closed with a {$0.00} balance owed. I at this point wasnt receiving any contact from anyone about this loan, I assumed it had been discharged in my bankruptcy. Fast forward XXXX I was sent a letter that I was being sued by a collections agency that had brought my Sallie Mae loan. I had no knowledge of this what so ever until I was already being sued. I am struggling at this point to find options to help me with this. I do believe this wasnt done right and really just seems legal. I even tried working with the collection agency who wouldnt even tried to hear me out or lower the payment to something reasonable. The agency is requiring a monthly payment of {$1100.00} a month after I told them I wasnt working from XXXX of XXXX until the beginning of XXXX. I also asked for that payment to be lower to about {$300.00} a month and it was simply rejected. I was told if I couldnt pay the {$1100.00} unfortunately the law suit would be continued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On or about XX/XX/year>, my wife and I noticed several charges we did not immediately recognize on my American Express Green and Gold cards, which coincided with the timeframe of me losing my wallet. We were very concerned, and proceed to contact Amex support by phone, who advised cancelling the cards and that we would be able to reinstate shortly after. However, upon trying to reinstate, I am now being told that there is no option to reinstate whatsoever. I have achieved XXXX reward points on one card, and was on track to receive XXXX reward points on the other, that I am now being told are permanently lost and there is no recourse available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Without fail, I've maintained timely payments on this account, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the inclusion of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, necessary corrections are warranted.

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 2024-04-09 00:00:00
Product: Credit reporting 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 believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I checked my XXXX XXXX account and it has incorrect information or non-up-to-date information in my personal information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My car was broken into which someone was able to obtain my information and opened accounts in my name the accounts are fraud and they don't want to remove them I sent copies of police reports and so on and they haven't been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and saw these negative accounts appearing on my report. I am not aware of this accounts or where it came from. I demand this items to be investigated and deleted from my 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and saw these negative accounts appearing on my report. I am not aware of this accounts or where it came from. I demand this items to be investigated and deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/2024, I have two issues with Credit Karma and I have been trying to address with them and they have not provided anything. The first issue is that this is the second or third time they said that I have a guaranteed credit card and I have done this several times and I am denied the credit card and my credit score is hit for XXXX points and I am trying to rebuild my credit. Also I transferred money to credit karma on the XXXX and I still don't have it when XXXX takes it out of my account immediately and I am waiting for days to receive something is wrong with this I am not understanding how they are getting away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed the same accounts many times to request to be removed cause I don't have access to them or don't use the accounts anymore and nothing is removed or deleted except for they change dates on them or up date the accounts to remain them to stay on longer they don't not do their. Jobs right except for changing dates or inaccurate info they put on the accounts I want the accounts I don't use to be 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 explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
My FHA mortgage loan servicing rights was purchased by SN Servicing Corporation in XX/XX/XXXX. I have a predatory FHA mortgage loan owned by XXXX XXXX XXXX XXXX, of XXXX, XXXX From the onset of SN Servicing Corporation 's involvement, I have disputed the balance they state I owe. I have written their company four times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and requested a mortgage transaction history and an escrow analysis from the inception of my mortgage loan to present. They have refused to accommodate my request all four times! Again, I have disputed the balance from the dawning of their involvement. I have no way of reconciling the balance they state I owe as well as the most sundry details of my account. This information is paramount to any borrower and required to comprehend the details of your mortgage loan! Each reply has not provided the documentation I have requested so therefore we are at a standstill. This company pretends to not comprehend Section 1024.35 of Regulation X or the Mortgage Reform and Anti-Predatory Lending Act, amendment to the Truth in Lending Act ( TILA ). XX/XX/XXXX I informed SN Servicing Corporation of the toxicity of my predatory FHA mortgage. I provided proof which substantiated all claims made, beginning with the first communication. The balance they claim I owe has fluctuated drastically and again, I have no way to reconcile any account activity. For a servicer to blatantly ignore my requests and pretend they don't comprehend the regulations and laws governing their servicing of my FHA mortgage is a travesty and injustice. I need your help, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: NJ

Complaint narrative:
I am the cosigner on a loan for my daughter. My name is XXXX XXXX and her name is XXXX XXXX. The loan is now with AES but originated with XXXX. I have contacted AES about this issue since XXXX and they still have not fixed their error. 
-On XX/XX/XXXX A disbursement of {$27000.00} was made. 
-my daughter did not return to school for the spring semester so the second half of the loan for {$27000.00} was cancelled on XX/XX/XXXX -AES never changed my loan amount and therefore proceeded to bill me for a loan of {$55000.00} ( including interest on this amount ), even after they were able to see that {$27000.00} was cancelled on XX/XX/XXXX -my repayment was to restart in XXXX of XXXX, however they continued to bill me on monies I never received -I contacted the company and they were unable to make the correct changes even though they saw their error - I field a complaint and they then fixed my balance to the correct amount, HOWEVER, they continue to bill me on the old amount - they now have the principal as {$33.00}, XXXX ( which is also incorrect!!! ) and are billing me on {$55.00}, XXXX - I paid {$550.00} on XX/XX/XXXX and they are still saying I owe them {$770.00} - If I was supposed to make 3 payments at {$270.00} that total would equal {$810.00}. Minus the payment I made of {$550.00} and I would owe {$260.00} this month NOT {$770.00} - I REFUSE to pay on monies I have never received and want this issue fixed immediately - when I contacted the company they told me they could not fix their error, even though they agreed that they were notified the second half of the loan was not dispursed on XX/XX/XXXX. 
-this entire situation needs to be resolved as they are now attempting to steal money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My car was broken into which someone was able to obtain my information and opened accounts in my name the accounts are fraud and they don't want to remove them I sent copies of police reports and so on and they haven't 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