vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I borrowed {$89000.00} from Sallie Mae. Navient said they took over my accounts. Somehow my balance overtime ballooned to over {$150000.00}. My father was never cosigner on any my loans. The system would not allow him to cosign for me. Somehow his name appears on my promissory note along with other names that do not match for references. I have been trying to handle payments for many years and figure out a way to survive. I can not pay what they demand. At one point, I was paying $ XXXX  monthly when I was only making {$1200.00} per month. I was threatened my customer service agent that he did not like my tone and that he could make things worse for me. Over the years, the Sallie Mae and Navient both said that they could do whatever they wanted with my payment amount and balance based on their whims. I have them recorded. Most recently, I spoke with XXXX XXXX, a poorly trained supervisor at Navient. She was very belligerent. Told me that I need to find a job during pandemic and downward spiraling economy. She asked why couldn't my family members pay the balance. My family has been harassed by the company as well. Members that were not listed as references. They even called my father on his deathbed to harass him. Multiple times a day. When we said he is hospitalized and to stop harassing him. They kept calling. It was relentless and vulgar in nature. I am shocked and disgusted by these actions. Beyond their predatory lending practices and poor customer service that verge upon being deceitful, uninformed, uncouth, and XXXX, they can not seem to keep their records in proper order. Constantly, asking me about my father and his whereabouts. My father passed away two years. Navient received the death certificate and responded with " you are now on your own. '' I do not have the money nor will I ever make enough income to pay them {$1000.00} per month. I will never be able to pay them over {$150.00} per month. They refuse to work with me. I said I am not working for various reasons. Again, we are in a pandemic and economy is not well. Also, I do not trust the company because the promissory notes hold false information. I refuse to be preyed upon by a company who as stated before is under investigation for predatory lending. 

Please contact me for recordings and other documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my 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 explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my 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 explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
We received a notice from a collections company named Hunter Warfield on XX/XX/2021 for {$7400.00} to XXXX XXXX apartments. We sent a letter the next date XX/XX/2021 stating that we dispute the entire amount. There is no judgment, this is just an assertion based on an unenforceable contract. 

A collector from Hunter Warfield began repeated phone calls to both of our phones and places of employment, as well as emails starting XX/XX/2021. Today, after speaking with him he said that they do not accept the " dispute ''. 

I followed up with another letter letting them know they do not have our permission to contact us and that once again this is not our debt. They can contact XXXX XXXX or refer to their own counsel. 

XXXX XXXX XXXX complex also DBA XXXX XXXX XXXX was given all of the information prior to turning this over to a Collection company that we do not accept this debt. They were given a letter by my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
Went to my XXXX credit report app and notice incorrect information on 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 explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
Went to my XXXX credit report app and notice incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
Went to my Experian credit report app and notice incorrect information on 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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refused to provide me validation to why they : Ruled in favor of a merchant that made unauthorized charges to my debit card. 
Why my unauthorized charge claims were investigated as a cancelation of services when I filed them as unauthorized charges. 
Why they closed my account in under 60 days for negative balance and not the usual 120 days. 
Why one of the unauthorized charge claims I filed was found in favor of the merchant when the merchant turned in documents for a different bank card that had nothing to do with my account or my unauthorized charge claim. 
Why Bank of America refuses to provide me any documentation to validate there claim for the charges I disputed. 
Why they dont want to cooperate with me and why they dont want to provide me the card swipe report for my card that they say is available to me. 
Why they refuse to provide documentation for the XXXX dollar service charge credit they stated they refunded {$2.00} only as per there verbal statement but what about the remaining {$9.00}. 
Why they refuse to speak with me and in a hurry to close this case without providing me the documents to validate there decision and why they charged my account that caused the negative balance. 

Why they reported it to XXXX as account abuse for the negative balance. 

I have requested this information as per FCRA and I have not received this documentation. 
Instead they send me documentation that does not validate or verify why they charged my account which caused the negative balance. 

They are now considering this case closed because they dont want to provide the truth and are covering it up. This violates the FCRA Protection laws in providing documentation that validates snd verifies the information to be accurate and they refuse to do 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 explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, Capital One sent me an adverse action letter describing the reason for denying me credit for a credit card. According to adverse action described in 15 USC 1681m adverse action definition- ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. Adverse action never stated a consumer being denied credit, The Truth and Lending Act states the definition of a credit card- The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX fill out a credit application giving Capital One my credit card. Finally, 15 USC 1681m ( C ) ( ii ) ( I ) ( II ) states does not include and transactions or experiences between the consumer and person furnishing the information or information from a consumer report. Fair Credit Reporting Act is used for the consumer to apply the laws with companies like Capital One using false and deceptive acts to undermine the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I'm looking for assistance with United Wholesale Mortgage account number XXXX. UWM recorded the incorrect Property Identification Number ( PIN ) aka the parcel ID on the security deed and has paid the escrows to the wrong property for XXXX and XXXX. The incorrect parcel ID XXXX XXXX. XXXX XXXX paid off the taxes and now has two liens on my property in XXXX county. UWM 's failed attempt to fix the issue has raised my monthly escrow payment by {$510.00}, which in order to keep my credit clean I have been paying for the last 4 months. I've also been unable to sell this property since I first contacted the bank in XXXX. Now, I have been dealing with UWM 's support number for 6 months with no forward movement. Are you able to help? Any advice on getting this corrected. 

Long version : I purchased a home in XXXX XXXX in XXXX. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. Correct parcel ID : XXXX XXXX. XXXX County account number is XXXX. I took out a mortgage for 80 % with escrows from United Wholesale Mortgage. I'm in the XXXX  XXXX  XXXX and XXXX  for 9 months at a time. I would get an email from the bank every XXXX stating your taxes have been paid to the county, great, no worries. 

I returned home in XX/XX/XXXX from a long tour to XXXX and I noticed a letter from a XXXX XXXX, who I've never heard of before. The letter read " We have purchased your unpaid property taxes and now have a lien on your home. XXXX XXXX is actually XXXX, XXXX. 

I checked the XXXX county property tax records ' website it states, " XXXX and XXXX sold ''. I checked the closing documents : the parcel ID on the title deed matches the parcel ID on the county 's website. The PIN, aka parcel ID, on the security deed is incorrect and the same incorrect parcel ID is on UWM 's website property tax receipt. 

For two months, beginning on XX/XX/XXXX. I called the UWM. Working with different people, trying to resolve the issue. UWM quickly changed the parcel ID to the correct parcel ID. So this year my property taxes were to be paid properly.

UWM 's solution is to send the county a check. This is wrong, however, the county has already been paid by XXXX XXXX. Now XXXX XXXX needs to get paid so they can issue a letter releasing the liens. UWM 's action caused an escrow adjustment on their escrow account stating that I'm short {$6600.00} on escrows. This raised my monthly payment by {$510.00}. In order to not get a bad hit on my credit I have been paying it for over four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase have a loud fraudulent activity to occur in my college account in the month of XXXX XX/XX/XXXX check deposit /cashed the amount of {$2700.00} XX/XX/XXXX check cashed the amount of {$2900.00} XX/XX/XXXX card purchases for {$360.00}, {$110.00} {$470.00}, {$390.00} & {$600.00} XX/XX/XXXX XXXX  XXXX XXXX for {$250.00}, {$250.00} & {$1100.00} XXXX XXXX  {$220.00} and {$150.00} XX/XX/XXXX Remote online deposit {$2400.00} XX/XX/XXXX XXXX XXXX {$50.00} XX/XX/XXXX Deposit I am retiring {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account that needs to investigate and remove from my personal credit file : ARS ACCOUNT RESOLUTION - 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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
I have a Fortiva Credit Card. I have requested a replacement card multiple times and have not received a working credit card. During this time I am being charge maintenance and service fees. I have called multiple times and on two occasions, the customer service representatives have lied to me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: CA

Complaint narrative:
I went to court with my apartments and got any and all damages waived as well as any monetary damages yet they sent me to collections for XXXX dollars and I had sent them the transcripts from the final court date and the order and they keep rewording and interpreting what the judge said to say that I still owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been ton my credit for several months. Please update and remove all unverifiable and un authorized information off my credit report. This is a violation of my rights

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 2021-11-09 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am a victim of identity theft and I have sent FTC reports to XXXX, XXXX, AND XXXX, MONTEREY FINANCIAL, and XXXX  XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I the consumer did not consent too nor authorize these inquiries that are reporting to my transunion file. I did not give my permissible consent to any of these corporations to obtain my consumer report from my transunion file. TransUnion did not have my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). Transunion sold my credit file to these corporations without my consent. I sent Transunion an identity theft report with a bill and a copy of my Driver License via certified mail. Is Transunion above the federal law? How are they able to share my consumer report without them contacting me for consent. Transunion humiliated me to the public and damaged my reputation.I never knew a third party agency whom is not government affiliated can be above FEDERAL LAW. Transunion decreased my credit score because of these unauthorized inquiries.I did not benefit from any of those inquiries Im requesting TransUnion to provide me with a copy of an application with both parties signature. I am requesting for a senior executive produce an affidavit of truth stating that I granted Transunion permission to furnish or share my consumer report, and have it notarized by the senior executive stating that I gave them permission to share my private information ill accept the inquiries. If not I demand all of the inquiries be blocked and removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I viewed my credit report and found this company, Wakefield & Associates, had entered a negative mark on my credit. I have not received anything from this company in regards to a debt being owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Ocwen Financial Corporation
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TX

Complaint narrative:
I have been ton my credit for several months. Please update and remove all unverifiable and un authorized information off my credit report. This is a violation of my rights

Company response to consumer: Closed with explanation