vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: AE

Complaint narrative:
I had a XXXX  early XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX, where I requested the coverage be confirmed prior to my appointment. I was told it was covered. I had my appointment, and was then told it wasn't covered. I emailed XX/XX/XXXX for them to re-file with my insurance. It was denied. I then called to speak to the billing manager, as I was told by someone in the office that I had a credit on my account from a previous overpayment from insurance. The billing manager told me the previous person was incorrect, and they were just going to keep the overpayment from the insurance and it wouldn't be credited toward my account. I asked that they re-file the claim with XXXX XXXX, referencing the fact that I break my back fillings often and that's why we went with a stronger option, and in lieu of that, since they received the overpayment, that they waive the balance on my most recent filling. I was told I would be contacted if there were any issues. I moved overseas with the military and was not contacted until nearly one year later - XX/XX/XXXX. I sent an email on XXXX with no response, stating I thought it was waived, why is this coming up? There was no response. I reached out on XX/XX/XXXX, and again no response. This is a failure on their part, and is not something that should still be pursued on their part. At this point, it seems like they are discriminating against the military - waiting until I am gone for an extended period of time and have little access to the stateside resources I would have once been able to access in order to help resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CO

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for XXXX XXXX XXXX such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ).

Because of the numerous claims of fraud and misconduct perpetrated by these XXXX XXXX XXXXXXXX XXXX such as ( your school ), I was able to file a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these XXXX XXXXXXXX XXXX and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX These private loans with a high risk of default were part of a package deal offered to XXXX XXXX XXXXXXXX XXXX XXXX ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for XXXX XXXX XXXX. After the AG settlement, didn't Navient also get out of the XXXX XXXX XXXX business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the XXXX  student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX XXXX against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with XXXX XXXXXXXX XXXX Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for XXXX XXXX who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online XXXX XXXX XXXX NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my XXXX and TransUnion credit reports dated XX/XX/2023. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a XXXX  XXXX account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that XXXX XXXX takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both XXXX and TransUnion credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that XXXX XXXX will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my Equifax and XXXX credit reports dated XX/XX/year>. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a XXXX  XXXX account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that XXXX XXXX takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both Equifax and XXXX credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that XXXX XXXX will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: CO

Complaint narrative:
I have a student loan for my attendance to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that was located in XXXX, MA. I XXXX XXXX in XXXX  and was a victim of predatory loan activities. The school has been found to have practiced predatory behavior. Federal student loans were forgiven and legal proceedings have established a precedence that XXXX was a for profit school only focused on exploiting their student body.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
One main financial has been calling me obsessively to the point Ive gotten XXXX calls in XXXX days. XXXX of those in XXXX  days. As well as text messages and I have responded to the via text, left voicemails, and spoke to them. I will be attaching proof of their violations with the FDCPA as I have already spoke to an attorney regarding this. I have never been late on a loan payment with them before and I have made of 75 % of this months payment with a balance of only {$50.00} that I informed them I would be paying but they continue to harass me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Accounts : XXXX XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX {$150.00} XXXXDept of Ed- {$300000.00} Opened XX/XX/year> These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Accounts : XXXX XXXX XXXX, Opened XX/XX/XXXX. XXXX  {$150.00} XXXXDept of Ed- {$300000.00} Opened XX/XX/year> These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2024-05-02 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
1.

1st compliant was sent XX/XX/XXXX saying investor / servicing company refused to process or look at applications based off emails from representative of Servicing Company on XX/XX/XXXX. 
2. The reponse on XX/XX/XXXX from servicing company stated a letter was sent of denial do to debt to income ratio on XX/XX/XXXX but doesn't state which modification the denial is referring to. There where several attempts to modify loan dating back as early as XXXX but the most recent application as a significant change in circumstance. 
3. A 2nd complaint was done XX/XX/XXXX stating the response was unclear, vague & contradictory to emails from representative so we needed a more detail look at the numbers used and requested more documentation and an explanation of why representative is stating application wouldn't be looked at yet suddenly a denial letter was produced after requesting something in writing. 
4. On XX/XX/XXXX a response was given by company & now stating the borrower was notified that a down payment for the past amount was offered & borrower refused to pay. The letter provided by the servicer in last reponse stated specifically the file was denied for debt to income ratio. It was never stated as a option that the borrower pay a down payment of any kind. 

We request a full investigation or this matter internally as we do intend to proceed with assisting to protect all the rights given to borrower under Consumer laws dealing with mortgages, modifications, and homeowners rights, We are requesting a true and factual letter stating the details of this alleged offering to borrower to pay a down payment. We ask these documents as proof that this was actual offered to borrower and proof that borrower actually refused to pay this alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXXXXXX XXXX, Acct # 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 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Flandreau Santee Sioux Tribe
State: OK

Complaint narrative:
They sent this text to my personal number and to the number that notifies my entire company on XX/XX/year> XXXX : We are following up on a letter that was sent to XXXX XXXX regarding file number XXXX. This gave you an opportunity to exercise your legal rights. Please contact XXXX XXXX to verify you have received the letter. He can be reached at XXXX reply STOP to opt out There was no letter sent to me prior to this and if there was I never received it, there were no phone calls prior to this text either and if there were no one left a voicemail to call back. 

When I called the XXXX number a male answered the phone and was described to me why they contacted and I stated that I was in the process of filing bankruptcy and he immediately was aggressive stating that it didnt matter because that doesnt apply to them and when I asked why they had contacted my job and he stated that they were about to come to my job and serve me regardless and would not let me speak after that saying that I can have my attorney contact him directly and hung up on me. 

I eventually got in contact with someone else and tried to resolve the account and set up a plan to take care of the said debt until my bankruptcy clears, after the phone call was over no one sent over paperwork to prove the debt, no paperwork was sent confirming any resolution plan so I froze my card because I believed it was fraud, they had called again about my failed payment and I tried calling again and didnt get contact to the previous person I spoke to about the resolution. I called the next morning informing them via voicemail that I would be reporting them due to their actions and got no response or call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: FL

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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