vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MCCABE, TROTTER & BEVERLY, PC
State: SC

Complaint narrative:
In XX/XX/2021 I closed on a new home, then XXXX out of country in XXXX XXXX while in country, unaware that XXXX sent a bill that I was to pay a said amount by a stated deadline date. When I received the copy of the statement ( bill ) here in another country, it was passed the deadline date to pay. The XXXX has sent the debt to a law firm. The law firm added a XXXX fee to the amount, which left me to pay an outragious amount of moneu. I then called the law firm that received the debt and explained to them I'm in the XXXX, on an assignment and didn't receive my mail before the deadline date and could I pay the XXXX fee and try to seek help from XXXX here in country to help me resolve this matter. The firm secretary said, NO we will not accept nothing less than what you owe. 
She was very direct and rude. I then contacted XXXX in country and ask for assistance, to only be told to file the complaint here. I am a XXXX in the XXXX XXXX on a mission to sustain our country and could not get a break. Please someone help me. I'm a single parent with XXXX kids, XXXX adopted son trying to make an honest living and need a little help. 
With a bill over XXXX, it's undeniable too much for me to handle at this time. If you could please help, Please Help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NC

Complaint narrative:
Greetings CFPB! 

I recently submitted two letters to *Equifax* Regarding Inaccurate information reporting on my credit report. XX/XX/XXXX & XX/XX/XXXX... It has *PASSED*the allotted time for response. As of XX/XX/2022. I have yet to receive a response. I have attached a copy of the letter/my identification and credit report document that shows the areas of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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:
My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
Opportunity Financial XX/XX/2022 amount {$850.00} is unknow account on my credit report. Try to contact this company but they keep put me on hold. I can't get no phone representative to speak with me about to account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called to report my bankruptcy charge was incorrect on the date of discharge. Then I was told my name was incorrect on the file, when I tried to correct it I was told a run around statement. Starting with them telling me they got my information from reporting agencies and then telling me to correct it by sending in my DL copy and SS card copy. After being a victim of a data breach I do not feel comfortable with that and also told them that my creditors had my name right and they needed to fix there problem. After fighting with a supervisor over this that had broken english, he then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Case # XXXX was previously submitted to CFPB on XX/XX/XXXX. The complaint was sent to company on XX/XX/XXXX ; on XX/XX/XXXX, the company responded stating they were still working and on XX/XX/XXXX, the company responded with XXXX closing the case. The company response on XX/XX/XXXX is shown below and it stated " As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. '' The credit card account ending in XXXX ( previously XXXX ) was opened on XX/XX/XXXX. Due to non-payment, the account charged off as a loss to the bank on XX/XX/XXXX, with a balance totaling {$6500.00}. Subsequently, we agreed to settle your outstanding balance for {$3700.00}. This payment was received on XX/XX/XXXX. As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. Please understand due to the extensive research and complexity involving your case additional time is required to fully address your concerns. The typical resolution time frame is up to 60 days or more ; however, it is possible that we may resolve your concerns earlier. We apologize for the time it is taking to address your concerns and we do thank you for your patience while we research this matter on your behalf. I will continue to work on your case until a conclusion is reached. When our research is complete, we will respond to you directly. 

The company 's point of contact regarding this matter was XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints at Bank of America. Phone # : XXXX, extension XXXX. I have reached out to her many times via voice mail and email and have not received a response back I am respectfully requesting that CFPB reopen this case and contact the creditor ( Bank of America ) for resolution to my complaint. 

Thank you, 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 2022-08-29 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: PA

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: TX

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from Experian stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC
State: NY

Complaint narrative:
I have filled two previous complaints with this company. I'm sure you can go back and look. On going problems with the system and how they handle everything. I have invested over XXXX dollars in your refurbished product, IT ISNT FREE!!! Or a courtesy from the state of New York. I called JPay that of course blame it on the kiosk department. That of course you can't speak to because they are so backed up. Upon calling the XXXX branch I asked to speak to the manager. I was after asking who she was I realized, she wasn't a manager, so then she put me on the phone with XXXX who claimed he was a floor supervisor, he said he was the highest in the call center. So I asked him really so he pays the people in this center. He responded yes. In which we know he doesn't. Son I know he is lieing. All this because. All I wanted and asked for after investing XXXX into this tablet. Was for me to be able to speak to the trouble shooting team, that aren't available they hit generic buttons all day that tell the XXXX  to do a hard reboot, as a consumer in the United States it's my right after investing XXXX in a refurbished tablet. Ti be able to ask for the number of the people claiming they are going to fix my tablet. I shouldn't have to wait 15 days. I don't want to hear it's a courtesy from the state of New York. This is just JPay XXXX is another issue. I'm not even able to link my own personal bank account ti my phone account and no one can figure out why. I have to go pay with a pre paid card every time. No answer. I want a phone call and a solution to all these problems or I would like all my money back from this tablet. I'm paying for a service I'm not getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I never received a Formal Notice of TERMINATION/SUSPENSION OF MY DEBIT CARD. My access/use of my Debit Cards has been terminated for 1 year. This action was taken for ALLEGEDLY filing too many disputes. All of the disputes that I have filed have been justified due to unauthorized charges to my debit cards. 

If I had not filed the disputes, then the unauthorized charges would have been allowed and I would have lost money that I never agreed to or authorized WHAT DOES NAVY FEDERAL CREDIT UNION EXPECT ME TO DO WHEN UNAUTHORIZED CHARGES ARE PLACED AGAINST MY DEBIT CARD THAT EITHER I WAS NOT AWARE OF OR I DID NOT AUTHORIZE!!!!

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 2022-08-29 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: AES/PHEAA
State: NY

Complaint narrative:
I have been a public XXXX XXXX since XXXX of XXXX. I am still XXXX  currently as of XX/XX/XXXX. I feel as though I QUALIFY for my federal student loans to be forgiven at this point. 

1. The first few years of XXXX my servicer put me in a EXTENDED period of forbearance without offering me IBR, IDR or PSLF as an options. In XXXX of XXXX, Biden announced that those borrowers who were WRONGLY put into extended periods of forbearance, WILL HAVE those years count towards the 10 years required for PSLF. With those years added into my payment count, I should now qualify for forgiveness, or be extremely close to the 120 months required. 

2. I have applied with FEDLOAN ( my current servicer ) over 4 times for the PSLF program and keep getting denied. My payment counts ARE INACCURATE and those years of extended forbearance have not been counted towards the 120 required payments. I was never offered IDR or IBR or PSLF the first few years of XXXX. I was WRONGLY taken advantage of by my loan servicer. 

I should be able to qualify for forgiveness at this point and FEDLOAN is not including those years of forbearance in my payment total. My account is inaccurate and I should be qualifying for PSLF at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I have been asking for relief for several years. Loan was originated with XXXXXXXX XXXX several years ago and has been sold several times. I was told in XXXX of 2022 the loan was current-The are now saying it is delinquent and wont let me make a payment unless its for the full $ XXXX. I don't have that money but will pay {$2000.00}. They wont accept any payment at this point. I don't know what to do at this point. I have somebody will to buy the house but i cant make any payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I took out a federal direct loan in 2007. At some point it was transferred to Navient. This was not in my control. I was never made aware that Navient is considered private. I kept my loan as a federal loan so that I could qualify for repayment or any govt actions taken regarding the loan. I was never made aware that the loan no longer qualified for federal things because Navient is considered private. The interest rate on the federal loan was 7 %, but I never went with a private company because I wanted it to stay a federal loan. I was also told if I did the income based plan my remainder would be forgiven after 30 years. I was never told that I would pay tax on the forgiven amount, which would eventually be more owed than the original loan. Once I found that out I was so far in and XXXX in debt. More than double the amount I took out. I am a XXXX, so this is an extraordinary amount of money. Flash forward to Covid. All fed loans get 0 % interest. I assumed mine would since they are federal. NOPE. Navient told me it was because mine are consolidated. That was a LIE. Had they told the truth at that time ( that they are CHOOSING to not give a 0 % interest ) I would have had the loans transferred to a different lender. Once I saw that I was getting XXXX on my loans and that the " forgiveness '' would actually cost me more money I transferred them to a private loan with a 3 % interest rate. Navient has lied to me multiple times and cost me an inordinate amount of stress and money. They are deceitful and should never have been allowed to service my loans. At the very least I should have been notified that they are private with full documentation of what that means

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This medical collection is [ incomplete ] because [ I sent to the collection company asking for validation information about this collection ( a month Ago ) and I didnt get any response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation