vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have a private student loan with Sallie Mae and dealing with this company has been a nightmare. Agents from Sallie Mae have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX XXXX. He is completely unprofessional and absolutely intolerable. He is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that Sallie Mae does not listen to their own phone call recordings. Sallie Mae is the ABSOLUTE WORST!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25 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: DC

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MS

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported to Experian that I had a medical bill in their collections. I disputed the claim with Experian on XX/XX/XXXX on XX/XX/XXXX Experian deemed it to be accurate. I disputed it again on XX/XX/XXXX and after Experian investigation- it remained on my credit report. I disputed it again and after having to get the FTC involved, it was finally removed on XX/XX/XXXX. I sent letters to Experian asking who did they speak with during the investigation. No reply. During each investigation Experian did not flagged dispute or remove dispute while it was under investigation. Nor did I receive any letter indicating that the item would be placed back on my credit report. I have sent Experian a certified letter informing them that my consumer rights were violated, detailed each violations with the consumer law codes and invoice. I received a message through my Experian account to contact Experian via phone on XX/XX/XXXX, I tried several times prior to today XX/XX/XXXX when I finally was able to speak with an Experian Representative, he mentioned that the Specialist Team has my letter and invoice and investigating.

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 2022-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!

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 2022-04-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!

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 2022-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Unfortunately, due to the time essential, to avoid further interest, I have paid off the whole amount of Rushmore request first this morning {$200000.00} first, including the appeal items ( total XXXX ). 

Having paid off the mortgage loan, I requested Rushmore to provide the release Rushmore of the interest in the Property after all funds have cleared immediately. 

Second, Further to my request dated on XXXX XXXX to Rushmore foreclosure attorney, to request to remove the Escrow Advance Balance {$15000.00} / Late Fee Balance {$1100.00} / Corporate Advance Balance {$1500.00}, a total {$18000.00} for the loan balance. I have not received any response. 

Therfore, I request Rushmore to please send any overpayment or refunds directly to " XXXX XXXX '' Current Owner at XXXX XXXX XXXX, XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NY

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. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} 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 permission

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 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received letter from midland credit management saying I owe {$180.00} to XXXX XXXX ( XXXXXXXX XXXX ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a XXXX XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To whom it may concern, SYNCB/AMAZON gave me a hard inquiry on XXXX XXXX, 2021. I have spoken to amazon and XXXX a few times about this matter which they agreed to remove it off my file as this is fraud/identity theft and was never authorized by me in anyway.

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have had a XXXXXXXX XXXX XXXX - Credit card for several years, and all of a sudden, they have stopped notifying me of the balance of their fees most recently, they put a 30-day late payment fee, and although they removed the FEE from my account, they are refusing to remove it from the Credit report. They have been unable to grant me access to the account, yet I can still not log in and or have not received the bills that I view. This is a very troubling matter to me because I am in the process of purchasing a home, and it will hinder me from doing so if this issue is not resolved. Please help 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 explanation
Consumer complaint received 2022-04-25 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
I was provided false information about the program XXXX XXXX XXXX AGENT XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX XXXX in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.

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 2022-04-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I've have had issues with diversified adjustments in the past with my other details of debt and I don't want to deal with them ever but they are now back to sending me mail and phone calls every day so I am now force to look in to getting there certified debt license taken away after the fact they did not follow my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: PA

Complaint narrative:
I am a XXXX woman. On XX/XX/2022, I filed a dispute on MyEquifax to update the legal name on my credit report. To support my dispute, I attached a copy of the certified court order, copy of my updated drivers license, and copy of my updated social security card. My dispute has remained pending since XX/XX/2022. I finally was able to speak with an agent on XX/XX/2022 and she told me to call back in 48 hours. I called back on XX/XX/2022 and spoke with another agent. It was only then that the agent advised that I had to mail in the documents because Equifax would not accept the documents I submitted through their online portal. I did not receive a letter, phone call or email stating this and if I had not called to check on the status of my dispute I can only assume how long I would have been kept in the dark about my dispute. I believe what Equifax did to me is discriminatory because of my gender identity because to my knowledge and based on their website other consumers are allowed to update their personal information through the portal and without physically mailing the documents. Equifax action is also unfair and deceptive because their portal indicates that consumer can update their information online with supporting documentation and XXXX consumers have no way to avoid this act or practice and it is likely to cause substantial injury to me because I am in the process of applying for a mortgage with XXXX XXXXXXXX XXXX. XXXX stated " [ w ] e are really on a time crunch right now and need to re-pull your credit ... '' and that they may have to close the application as incomplete. With interest rising everyday, this delay in updating my personal information on my credit has the potential to cause substantial injury to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The issue is with Transunion still reporting XXXX by XXXX, this account has been closed and is still showing up on my credit report. All of the other bureaus have removed this from my report besides this one. 

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 non-monetary relief
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A.STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

REMOVE/DELETE OFF OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A.STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

REMOVE/DELETE OFF OF 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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
On or around XX/XX/2022 Destiny/ Genesis FS Card Services sent me terms and conditions of my credit card. I do not consent to the terms and conditions of my account and ask Destiny / Genesis FS Card Service to proceed pursuant to the ( Fair Billing Credit Act ) ( 15 U.S.C. 1666-1666j ) extension of credit. As of date XX/XX/2022 my rejection notice is forced.

Company response to consumer: Closed with explanation