vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I have one loan with Sallie Mae for {$15000.00}. I had a forbearance due to Covid. Which I had to call numerous times to allow the forbearance to go through. I was given the run around. And the situation had to be escalated more than once until my account was adjusted. In XXXX I informed Sallie Mae that I was returning to school and what would I have to do to get an in school status. I was told that I would not have to do anything and my status would change once my session started. However I started getting billed. And I started receiving emails about past due amounts. I called and Sallie Mae kept saying they were waiting for my status to change. I then asked my school to fax confirmation I was in school. Which they did on XX/XX/XXXX. I called XX/XX/XXXX to see why my status had not changed. They told me to wait until XX/XX/XXXX and if its no change to call back. It is now the XXXX and Ive had to call again because now I am being threatened to have a negative payment on my credit report. I called and told them Ive submitted paperwork and that my status should have changed by now. I was initially talked over and told that the paperwork was invalid. It wasnt until I talked to a supervisor that I was told my paperwork was correct and it should change in a few days. It is frustrating and mentally draining to have to constantly call about the same issue while they take their time to help resolve issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Incorrect address/addresses on 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 explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere

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 2022-02-15 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: CA

Complaint narrative:
The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my elderly status as well as my mental capacity and I wish to have the account removed, along with the lates.

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 2022-02-15 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: CA

Complaint narrative:
The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my XXXX capacity and I wish to have the account removed, along with the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my mental capacity and I wish to have the account removed, along with the lates.

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 2022-02-15 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
An account with Suntrust Bank opened in my name. Havent even banked with any bank but XXXX XXXX and XXXX  XXXX XXXX! Address that was used was my grandmothers address and I know its not mines because my grandmother passed away years before the closure date, the home was sold to someone else back in XXXX. I havent lived at XXXX XXXX XXXX XXXX Va. XXXX since the age of XXXX and I am XXXX years old today. The closure of the account status date was XX/XX/XXXX. Charge off amount is {$590.00}. I would like this information removed because I didnt open account of added or remove funds, I am not responsible for this amount at all.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Why is Equifax allowed to automatically opt the whole American population into junk products like " The Work Number ''? I have never signed up for this service, and their stated argument that consumers benefit from such a service is bunk, given that every time I have applied for a loan the lender still requests copies of my pay stubs. My pay information should be between myself and my employer, Equifax should have no information to that effect. They have already proven themselves to be untrustworthy conservators of our data, given the debacle in 2017 where they exposed the personal information of more than half of the adult American population. I understand the need for credit reporting services, but we should not automatically be enrolled in every garbage product some twit at Equifax comes up with. I don't want Equifax retaining the data my employer provides them with, and given their track record, I want them to have as little information about me as humanly possible. They should provide an opt-out mechanism for their XXXX XXXX product, but unfortunately the best they provide is the ability to freeze the report which in my opinion is not good enough. If banks/employers/whomever wish to see my paystubs, they should ( and still do as mentioned above ) request them of me, not of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
Midland has sent me an obscene response regarding this alleged debt and still is conveying information regarding this alleged debt to the consumer reporting agencies after I have told them to cease and desist any and all collection activity. Midland has now breached the cease and desist and confirmed that this is a case of aggravated identity theft, has invaded my privacy and obtain my consumer report under false pretenses. My consumer rights are constantly being deprived and anyone depriving a person of any rights shall be fined and prosecuted pursuant to 18 usc 242. Midland has cause unseen injuries and I am even taking out family time to deal with this false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. Experian is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. Experian is reporting my XXXX account under potentially negative 3. Reporting as open in the potentially negative section on Experian

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. XXXX is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. XXXX is reporting my XXXX account under potentially negative XXXX. Reporting as open in the potentially negative section on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: TX

Complaint narrative:
I realized my information was leaked in a data breach and there are a lot of inquiries that I did not authorize on my credit. I don't know what they are for but i didn't authorize anyone to check my credit. Please remove these as they are bringing my score down!

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 2022-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. Experian is reporting inaccurately XXXX XXXX XXXX XXXX XXXX account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX is a paid account.

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
Bank : First National Bank I had an account with {$650.00}. On XXXX, I withdrew the {$650.00} to another account to pay my mortgage. Upon withdrawal, the bank charged me a {$0.00} fee to transfer the funds. This resulted in a {$650.00} transaction, but I only had {$650.00} in my account. The bank charged me two fees due to a {$0.00} overdraft ( {$12.00} ( XXXX ), and {$37.00} ( XXXX ) ). How a {$650.00} transaction was able to go through when I only had {$650.00} is beyond my belief. I have tried to dispute the fees but the bank is not being cooperative. They said they would call me back, but I have not heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
On XX/XX/XXXX, I was contacted around XXXX at my previous mobile number ( XXXX ) by a representative from XXXX XXXX XXXX XXXX XXXX ). The representative informed me that for a XXXX time payment of {$120.00} I could settle the amount I owed- over $ 400- on my XXXX XXXX credit card account. The agent had a XXXX  accent. On XX/XX/XXXX my bank, XXXX XXXX XXXX XXXX paid them {$120.00}. On XXXX XXXX XXXX I received a letter from the same company about the same Credit card account. I called and spoke with a representative who said that the letter had just crossed in the mail and I should disregard. Once again that representative spoke with an accent. Today, XX/XX/XXXX, I received a letter from another collection agency- Stenger and Stenger- XXXX XXXX out of XXXX XXXX XXXX MI, regarding the same credit card account for a different amount of {$910.00} and a Settlement offer of and other options. At tis point I contacted the number I have for XXXX XXXX XXXX ( XXXX ) and there is a recording saying " We no longer service your account '' and directed me to call a different XXXX number- ( XXXX ), which comes up as XXXX XXXX XXXX I do not know if this is a blanket recording or not but I called XXXX from my new phone number which they do not have. When I spoke to the representative who was allegedly with XXXX  ( OBTW- he too spoke with an accent ), he informed me that they did have collection agencies and XXXX XXXX XXXX XXXX XXXX that they used. He asked me to give him my ss # or the telephone number associated with my account. I said I do not have an XXXXXXXX and never have, He said he could try to bring up my account with XXXX XXXX with my SS # or phone number I said I did not feel comfortable. He said visit the XXXX website and call the number on the website. I already told him before I do not and never had XXXX He knew the only thing I could do is apply for one or log in if I already had an account. This account has already been resolves on my Credit report as closed. Neither of these companies should be trying to collect this debt. I already paid the first settlement offer with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) 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. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I received a text message from my bank account Chime that my number had successfully been changed to an unknown number. Right after I received the text message I called Chime customer service and stated that my number was changed and I did not authorize this change. The lady that I spoke to stated they would freeze my account and issue a need card with a new number, however, I would not have access to my funds for approximately 10 days and they ensured me that my funds were safe. The 10 days processed and they were able to give me access back to my account with a new card number. Upon accessing my bank account after the 10 days, my funds were depleted and left me with a negative amount in my checking account. I checked my activity and I saw that approximately an hour after my last authorized transaction on XXXX XXXX there were XXXX transfers from my checking to my savings of all different amounts over XXXX dollars. Also on XX/XX/XXXX there was a transaction made of {$890.00} from XXXX XXXX. I promptly called Chime to dispute these transfers/transactions made and I filed a complaint/dispute with them. They stated they would give me a credit back to my account after 10 days if my claim was approved. 10 days passed again and I received an email stating my claim was denied due to not having proof. I called them after I received the email of my denial and I asked for the merchants information to see if I could reach out to them. I tried to look up the merchants information myself however the only locations I could find were in XXXX and XXXX when I contacted them they gave me a possible number that was related to them. I tried call the number that was provided and it was a XXXX XXXX number and it was no longer in service. I called them back and chime opened up another case providing that information. They stated that this investigation could take approximately 45 days. I received an email today XX/XX/XXXX that my claim was denied once again due to no further proof was provided. I have called them once again and they stated that there was nothing they could do except file another dispute. I have not taken any further action as I feel I am being pulled back and forth and I shouldnt have to wait this long as I have did what they asked me to do and they have not given my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
An account with XXXXXXXX XXXX opened in my name. XXXX even banked with any bank but XXXX XXXX and XXXX  XXXX XXXX! Address that was used was my grandmothers address and I know its not mines because my grandmother passed away years before the closure date, the home was sold to someone else back in XXXX. I havent lived at XXXX XXXX XXXX XXXX VaXXXX XXXX since the age of XXXX and I am XXXX years old today. The closure of the account status date was XX/XX/XXXX. Charge off amount is {$590.00}. I would like this information removed because I didnt open account of added or remove funds, I am not responsible for this amount at all.

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 2022-02-15 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: M&T BANK CORPORATION
State: VA

Complaint narrative:
Date of XXXX XX/XX/2019, from bank I have never heard of. The reason for reporting was account abuse the amount of the charge off is {$240.00}.

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