vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Prior XX/XX/XXXX, my student loans were as follows : YOUR LOAN DETAILS - XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  {$47000.00} XX/XX/XXXX XXXX  {$14000.00} XX/XX/XXXX XXXX  {$19000.00} XX/XX/XXXX XXXX  {$8600.00} XX/XX/XXXX XXXX  {$4500.00} On XX/XX/XXXX, the following loan was refinanced by my son from name into solely his name : XX/XX/XXXXXXXX  XXXX {$47000.00} Thus reducing my federal student loan amount due to {$48000.00}. 

My credit report was upgraded to reflect this change during this time and my student balances remained the same. 

On XX/XX/XXXX, XXXX  XXXX XXXX transferred my loan to a new servicing company Aidvantage. 

On XX/XX/XXXX, I received a notice for the Department of Education, stating that I am eligible for IDR ( Income-Driven Repayment ) Forgiveness. On XX/XX/XXXX, I received notice that my federal student loans were forgiven as follows : XXXX XX/XX/XXXX {$16000.00} XXXX  XX/XX/XXXX {$20000.00} On XX/XX/XXXX, I filed for a Forbearance and requested that Advantage conduct a full audit on my account, as I received a statement reflecting a balance. To date, they are still reflecting that I owe a balance of Direct Parent PLUS {$24000.00}, even though I explained that my son is currently paying this loan back ( see attachment ). Lastly, they are blaming the error on my previous servicing company XXXX, which is now currently out of business. Aidvantage is stating that when the loan was paid it was not allocated properly. However, my credit report stated that the Direct Parent PLUS loan was indeed removed. The current holder of the Director Parent PLUS loan is XXXX and the XXXX is XXXX XXXX XXXX. 

Aidvantage is not assisting me with removing this loan. My XXXX  and I should not be forced to pay one loan twice! 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was sent letters from all 3 credit bureaus stating there was nothing they can do until they receive identification from me drivers license, proof of address and social security card. These items I had included with my Identity Theft report. I have attached documents submitted to the credit bureaus.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that Equifax takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
An auto payment to XXXX was blocked and I was sent a fraud alert. Even after I responded to the fraud alert and received a confirmation from Santander that they received my response, the fraud alert was not lifted and my card was blocked ( see attached alert and response to alert screenshots ). Multiple attempts to speak with the fraud alert team was met with representatives not being able to hear me/ saying the line was not clear. This same issue of being unable to hear me/ delayed response to my concern happened with the fraud alert team when I called them about the previous issue I reported to the CFPB.

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 2024-01-02 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: American Credit Acceptance, LLC
State: SC

Complaint narrative:
In accordance with Fair Credit Reporting Act this creditor ( American Credit Acceptance ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-01-02 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: MO

Complaint narrative:
Absolutely criminal that experian closes XXXX complaints while still working on XXXX complaints THAT ARE EXACTLY THE SAME, THEY ARE XXXX NOTHING BUT HURTING MY CREDIT AND THIS IS IN RETALIATION FOR THESE COMPLAINTS

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 2024-01-02 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: GA

Complaint narrative:
I have erroneous inquiries on my credit report attached is the documentation and an erroneous reporting of a student loan. This is on all three credit reports. Also Equifax document uploader is not working, and they do not seem interested in fixing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have erroneous inquiries on my credit report attached is the documentation and an erroneous reporting of a student loan. This is on all three credit reports. Also XXXX document uploader is not working, and they do not seem interested in fixing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titanium Funds
State: NV

Complaint narrative:
Lucky auto is a scam I did not get XXXX cents and a job gets me a car I had to pay down payment of XXXX  dollars first fraud they did second I have now purchased two vehicles from this lot the first they reported 5 ontime payments I have been paying ontime for now two separate purchases and the closed the account when I got on XXXX XXXX without updating almost 4 years worth of on time payments and also don't know the balance owed on credit. I need my credit I need them to report they are known to scam people if you can't help I may need to get a lawyer because they are taking advantage of people with bad credit! They lock you into a used car that is 3 to 4x as much as the car value so yeah 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Please correct this immediately. It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : **** XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : 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 2024-01-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I asked XXXX to investigate the negative account with American Express and provide a copy of a contract that I agreed to do business personally with them but they have failed XXXX  to provide such information. 
They have not responded provided any details of their investigation and they just update the XXXX  information. 
This is causing me tremendous harm as I XXXX  not able to get a XXXX loan which is much needed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I never got a cashnetusa loan. I've been homeless XXXX to XXXX in XXXX been living in a XXXX XXXX  while working jobs that would only allow me to keep my status of homelessness while living in a rooming house. I lost my car. Lost everything. I think I would remember getting a loan. And I do not believe that cashnet would lend me a large amount of money such as the balance XXXX. Specially if my credit score it poor and I already have a debit with a personal loan for XXXX. Making XXXX a week. I do believe that someone within cashnet has used my information and connected my name to this bogus account. I would like some form of police involved in this investigation. I've tried XXXX XXXX website but for some reason XXXX XXXX playing too many games.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
On XXXX XX/XX/2023, a signed purchase contract was submitted to Planet Home Lending ( PHL ) by the sellers of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The purchase contract was a loan assumption agreement. This submission was made with a follow-on phone call from the seller ( XXXX XXXX XXXX to PHL expressing the need to quickly facilitate this loan assumption application. As explained, the seller was under contract to purchase a home in Mississippi and that contract was contingent on this closing. Additionally, the buyer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) needed to close by the end of XXXX to be eligible for Home Stead exemption benefits. 

On/about XXXX XXXX, I received via USPS mail the loan application. After completing the documents and discussing outstanding questions with XXXX XXXX, I mailed the completed packet to her office on XXXX XXXX and it was received on XXXX XXXX. XXXX acknowledged receipt on Monday XXXX XXXX. I explained that the loan assumption needed to be completed by the end of XXXX so I can apply for home stead exemption and the sellers could close on their new purchase. PHL said that they could close by the end of the year so long as I respond quickly to any emails requesting additional info or that I address any questions. 

On XXXX XXXX, I spoke to XXXX XXXX, the manager within the PLH loan assumption Dept. By this point, the processor was changed from XXXX XXXX to XXXX XXXX, the Servicing Coordinator. XXXX had not responded to multiple calls and emails. XXXX told me that his team would review the status and do everything they could to expedite the application. I did not get a response from PHL for XXXX  days. Following multiple phone calls and emails, I finally was contacted back from XXXX who explained that the application would go to underwriting the next day, on XXXX XXXX. I was also told that the loan would not close by XXXX XXXX. 

Yesterday, I received an email from XXXX saying that the loan would be submitted to underwriting tomorrow ( XXXX XXXX ). I have been given misleading communication by PHL, unnecessary delay, and poor communication resulting in financial hardship to my family, the sellers of the property ( XXXX XXXX ), and the sellers of the property in Mississippi. This process should have only taken XXXX  days from start to completion. I need help in facilitating this process and close ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: IL

Complaint narrative:
My credit report is showing that my XXXX XXXX account was charged off in XXXX of XXXX when in fact it was charged off in XXXX of XXXX. I have verified with XXXX XXXX that the account was charged off in XXXX of XXXX so I don't know why it is showing up that way.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of XXXX XXXX history. I discovered a substantial number of XXXX  issues under 15 U.S. Code 1666 ( b ) billing error. ( XXXX ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( XXXX ) A computation error or other similar accounting error on a creditor 's statement. XXXX conducting a recent examination of my credit report, XXXX discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least XXXX  days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident XXXX  error. 
XXXX owed was paid the day before scheduled due date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
I have 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
XXXX XXXX XXXX XXXX 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
XXXX XXXX XXXX XXXX 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