vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a student loan from 2000. Over the years I have had issues making payments. Every time I called Navient has steered me into deferments as my best option. I have deferred many times thinking it was in my best interest. Only to find out there were many other options that could have helped. After 21 years my loan amount owed has not moved in fact it has increased. I believe this is a shady act on Navient. How can I receive help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Paypal somehow lost the link to my bank. Then they projected 5 days out so I asked for reversal. All I got was automated messages thanking me for my patience. When I complained online they circled the wagons. A XXXX complaint got my projected date pushed back further

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I referred my friend using my Chase Freedom credit card on XX/XX/2021. My reward for this referral would be 10,000 chase ultimate reward points ( valued at {$150.00} ). My friend applied using my link and was instantly approved for the Chase Freedom XXXX XXXX and has been a happy customer since. 

Normally, referral bonuses from Chase post to my account in about 2-3 weeks. I contacted Chase when I didn't see it and they told me to wait the full 8 weeks stated in the terms and conditions. Then I contacted them again two weeks ago around XX/XX/XXXX and provided them with the details they asked ( my friend 's full name, email and the last 4 digits of the card they applied and were approved for ). This whole process is documented in my Chase Secure Message history and I can provide screenshots if needed At this point, chase customer support started flat out lying about the entire process and Chase 's terms of the promotion. First they claimed that my friend did not use the referral link and that they are not a new chase customer. My friend has never banked with Chase before and I was sitting next to them when they applied for this card. I made sure that they used the link and helped them through the process as this is their first credit card. 

Then they claimed that a Chase Freedom card account could only refer users to another Chase Freedom card. This is inaccurate both in the the adveritising on the Chase mobile app, the website you visit to generate your referral link and the website shown to the person being referred. They are allowed to choose Chase Slate, Chase Freedom XXXX, Chase Freedom XXXX and Chase Freedom XXXX. This kind of blatant lying to ensure customers never get paid is the worst service I have ever seen. 

They claimed they were escalating my request to a senior representative and I would get a response within 5 days. It has been double that with no response so I have no reason to assume they haven't ghosted me and denied the money I am owed with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I woke up to my bank ( capital one 360 ) holding withdrawals for funds in my checking and savings account. 
I called and asked why this was and they said I had a high volume/risky XXXX  AND that someone XXXX me and claimed fraud. I did not recognize the name of who XXXX me and they were NOT IN my phone contacts when I asked why would they have not just returned the money the and let me know about it they proceeded to accuse ME of using XXXX for family and friends when all of my XXXX transactions are sent to solely family members thats are SAVED IN MY CONTACTS. THEY proceeded to tell me my account was closed and did NOT give me any information on when I will receive the money both in my checking and saving account. I proceeded to call multiple times to find out when I will receive my money, they then switched the story claiming We are still investigating but your account IS STILL CLOSED aswell we have no time for when the investigation will end and you will get your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
NationStar/Mr Cooper I paid my mortgage in full on XX/XX/XXXX I called on XX/XX/XXXX to inquire as to why I had not received my escrow check I was told it was mailed on XX/XX/XXXX and I should have received it. 
I was told a stop payment would be placed and issue a new one. I requested it be sent express mail and was told it would be. 
On XX/XX/XXXX I still had not received the check so I called again. 
I was told a new check had not been issued but due to the circumstances a direct deposit would be done to my account by XX/XX/XXXX I was asked for my routing number, account number etc. 
Today XX/XX/XXXX the money is not in my account. 
I called again and was told no money was direct deposited that would require me to send a voided check. Was also told on XX/XX/XXXX a request was put in to have a check cut and mailed to me. 
I asked to speak with a supervisor but was told there is not one. 
Also told it will take XXXX hours for check to be cut and XXXX days to receive in the mail. 
By law my escrow is to be returned in 30 days. They have confirmation that although they cut a check, I did not receive it and they are in default. 
I am terribly dissatisfied and have gotten a different story each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
im writing this complaint to to address PORTFOLIO RECOVERY to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. PORTFOLIO RECOVERY is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.PORTFOLIO RECOVERY has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LTD Financial Services, L.P.
State: CO

Complaint narrative:
The basic complaint is that the property manager did not provide a legally acceptable unit with livable conditions and did not rectify the situation in a timely and legal manner. The events are as follows. 

On XX/XX/2020, we emailed our contact at XXXX, XXXX XXXX, that we found bedbugs. 

XX/XX/2020 it was acknowledged. 

XX/XX/2020, six days after the initial complaint was sent, an exterminator came to our apartment to spray pesticides within the home. Two further visits, the last of which came on XX/XX/XXXX, one month after the initial complaint, did not satisfy the bed bug problema and it continued to persist causing extreme emotional and physical problems. 

According to Colorado Law 38-12-1002 ( 2 ) : " Not more than ninety-six hours after receiving notice of the presence of bed bugs or the possible presence of bed bugs, a landlord, after providing notice to the tenant as described in section 38-12-1004 ( 1 ) ( a ) : Shall Obtain an inspection of the dwelling unit by a qualified inspector. '' This is a clear violation of the law as more than 96 hours had elapsed. A full week had lapsed with my family living in a health and safety hazard. In addition, the bed bug problem was not sufficiently resolved, as multiple extermination sessions were placed causing extreme inconveniences for not only ourselves, but our pets as well. 

Furthermore, the exterminator advised us that the building ( not our unit specifically ) was dealing with a bed bug problem for quite some time. He did not reference a specific date, however, considering we just moved in a few weeks prior, we took this to mean longer than two weeks. 

After hearing this information, I sent another email to the leasing office dated XX/XX/2020 requesting eight months of history regarding bed bugs in our apartment. This information is legal requirement per HB 19-1328 in which : " A landlord shall not offer for rent a dwelling unit that the landlord knows or reasonably suspects contains bed bugs ... .Upon request from a tenant or a prospective tenant, a landlord shall disclose the last date, if any, on which a dwelling unit being rented or offered for rent was inspected for, and found to be free of, bed bugs. '' I received no response to this email until eighteen days later from XXXX XXXX that there are no prior records in our apartment, nor any other apartments. This contradicts what we heard from the exterminator. 

We conclude that the landlord did not comply with state law and get an inspection done within the required 96 hours while also providing substandard and ineffective resolutions. Therefore, in the interest of the health and safety of my family, and at great personal cost, I terminated our lease and moved out.

Now the property manager and ltd financial services are trying to collect a debt that we find to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. IFEVER, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a 3mos period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).

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 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MD

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX, XXXX XXXX XX/XX/XXXX {$1300.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: IN

Complaint narrative:
I have already filed one complaint regarding an inability to access my account to verify payments. 
The vendor -- Sallie Mae -- responded with a letter stating they received my last payment, but the balance due is incorrect and they refuse to allow me to verify payments and balance due. 
The balance was {$26000.00} in XX/XX/2021 according to their website. Sallie Mae is now stating the balance to be nearly {$30000.00}. 
The stated balance is incorrect, and their refusal to grant me access to the entire account is problematic. 

In addition to Sallie Mae refusing to give me a complete accounting, they have responded to me with a letter they placed under my account on their website -- Which I can not access. 
I responded to the notification of the letter placed in my account, and I received a bounceback response the mailbox is not monitored. 

Sallie Mae did send me a letter stating they received a payment in question, but again, they do not give me any accounting details to authenticate the balance they state is due. The balance does not agree with the records I have. I believe they have added illegal additional interest and fees, but without an accounting by Sallie Mae, I can not verify the purported balance due. 

Sallie Mae is intentionally denying me the ability to verify their accounting and their accounting appears to be incorrect or blatently false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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