vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient is so confusing to deal with and they seem dishonest. I have applied for Income Driven Repayment for the last few years. Each year, I receive multiple conflicting emails and notices via their website that I have different amounts due. And it seems that my balance due NEVER goes down and I am only paying on the interest. I was in forbearance for a long time but now it seems I am not making any headway on the payments I have made. I am constantly fighting with Navient over their lack of timely response and truth in what I am to pay every month. I have attached emails, the statement page that shows on their website today, and the IDR emails that they have sent. I need a straight answer and help. I have been paying in a timely manner and my payments were never stopped due to the COVID protocols in the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been challenging accounts XXXX and XXXX on my credit report with experian because there agency is reporting inaccurate information. when they sent my results XX/XX/2022 I had noticed there before and after results showed experian illegally re-aged these accounts without updating the payment history supporting their update. XX/XX/2022 I put them on notice based on those same errors. XX/XX/2022 there results stated they updated these accounts. when I looked at the before and after nothing was updated and experian didn't even properly notate that a investigation was done in the comments section on neither accounts. XX/XX/2022 I wrote them a letter for the reasons I just specified. finally XX/XX/2022 I got back results and again they state they updated these accounts and NOTHING was updated. Nothing was changed. im tired of going back and fourth experian Is obviously in non compliance. they are generating false results to me wasting my time and causing damages to my credit report. with all that being said, I did not give these furnishers written instruction to furnish information on my consumer report under 15 u s c 1681b ( a ) ( 2 ) and under 15 u.s.c 1681 ( a ) ( 4 ) these furnishers are violating my right to privacy by reporting inaccurate information, treating my consumer report unfairly by generating me with false results still with errors and furnishing information on my confidential consumer report without my authorization. included are all paperwork to support this complaint.

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 2022-04-03 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: MI

Complaint narrative:
Re : 623 15 U.S.C. 1681s-2 Violations To Whom It May Concern : Please be advised this is the fourth time I have contacted your company, and you have still failed to delete the disputed account ( s ) your company could not verify. Based on the fact that your company ignored my numerous requests to provide documentary proof that you have in your files, that you used to verify the disputed account ( s ), which means that you have not verified or you can not verify any of these accounts. You failed to identify the name of a responsible person in your company who verified the accuracy of these accounts. Besides, you have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor have you removed anything found inaccurate. The following item to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant to include to metro 2 reporting standards. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting. 
Account : XXXX XXXX | Account Number : XXXX | Charge off Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Past Balance : {XXXX} See the attached for full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I have been working with the Arizona Department of Housing, under their Arizona Homeowners Assistance Program. They are ready to send funds to LoanDepot, my mortgage holder to cover any unpaid mortgage payments. They have sent LoanDepot several transmitted paperwork for them to complete. They call it " onboarding paperwork ''. Arizona Housing has not received any replys form LoanDepot. This has been holding everything up. The last time they sent the paperwork to LoanDepot was the middle of XX/XX/XXXX and still no response. My account under the Arizona Homeowners Assistance program is XXXX. My LoanDepot mortgage account number is XXXX. This has been going on since XX/XX/XXXX. Arizona Department of Housing said that they are going to cover over {$16000.00} of my past due mortgage but are hitting this roadblock with LoanDepot. When I call LoanDepot about this, they do not give me anybody or department I can talk to about this paperwork. I feel I am hitting a brick wall in trying to resolve my mortgage concerns, and trying to get back to normal with my mortgage payment program with LoanDelot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
Enhanced Recovery Company at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Riverstone Law, LLC
State: CO

Complaint narrative:
i have paid monthly XXXX for about 6 months with no results. ( bank statements to show payment ) credit report unchanged for collection items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
In XXXX I made a payment with a different check account for a vehicle loan I have with wells Fargo dealer services. I had been sick that I had forgotten to include acct number on the check for my payment but my payment was made, I was called about my check missing information. I went back the next day to provide info but I was not told I was getting penalties added to my account. This created a hardship for me being sick and unable to work, not knowing if my employer was going to pay me. I continued to make my payments regardless and for the following month, I called to Wells Fargo to dispute the penalties and was told it was a process and to look at my statements for the following months and noticed every month ongoing I kept receiving penalties added to my acct. 
I have called here and there cause I can not get through to talk to customer service and the local branch said they accept payments but are not dealer services. I called again and was told that there are no exceptions for anything including covid or for any reason. I asked just to clear that month and not that would stop the ongoing months of penalties. Recently, my vehicle needed a brake module sensor which is costing over {$2400.00} plus labor so the vehicle is inoperable. The mechanic wants to purchase the vehicle as I can not afford the repair so I called to get the payoff price to allow the mechanic to make the purchase and rep on phone told me {$380.00} are in penalties and the remaining balance is the vehicle payoff, I asked to have penalties removed and she stated no exception for anything wells fargo does not do that. I was unemployed for over 6 months due to covid and being terminated and sick after receiving vaccinations, declaring a hardship in every matter regarding my livelihood while wells fargo does not want to help or work with 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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 2022-04-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My credit report showed a 60 day late payment from Synchrony Bank. I called them to report the problem and explained that their account which is PayPal Credit is only accessible through PayPal ( a completely different company ) that was closed. I was sure that since PayPal was closed PayPal credit would send me statements so I can pay. I never received statements since XXXX/2021. I accidentally checked my credit report and discovered a 60 day late payment. I called Synchrony Bank ( servicer for PayPal credit ) and found out that the address they had on file for me was an unknown address. I immediately paid the past due payments and asked them to investigate and remove the late payment reporting. They assured me that they removed the late payment fees and that their credit disputes department will investigate and remove the late payment reporting and would provide a letter confirming that to my correct address. I checked my credit report in a few weeks and saw that the negative reporting changed from 60 to 30 days late.

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 2022-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MO

Complaint narrative:
I placed an order on XXXX for {$1100.00} on XX/XX/XXXX. I then returned the product, and it was confirmed by XXXX that the refund was sent on XX/XX/XXXX. The payment of choice was Cash App, which has been telling me for weeks that XXXX never sent their company the funds for the return. I got an email reply from XXXX on XX/XX/XXXX with a credit memo attachment of the refund being processed on their system on XX/XX/XXXX. Cash app since has not responded to my emails after XXXX attempts. I am now out {$1100.00} because XXXX and Cash App will not take ownership of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I closed on my new home on XX/XX/XXXX. I immediately started notifying my creditors of my new address. I received a collection call from Genesis F.S. card services informing me that my XXXX payment was delinquent. I told her I had paid all my bills. I asked her if statement had been mailed. She said they received my change of address but they were waiting for me to call before they approved changing it. I've never heard such b.s. but okay. I paid my delinquent XXXX paint as well as my XXXX to bring account current. I asked her if my account had been reported 30 days delinquent. She said yes. I asked for correction to be submitted. She said ok. I then made payment of {$1100.00} to pay account off. I did follow up call on XX/XX/XXXX. Spoke with XXXX. Td him I was following up on cbr correction. He said he sees in note request was sent but takes 30 -60 days. I asked for letter to be sent for me for my records. They sent me a letter basically asking me why do I want cbr corrected. I fell as though this company is using unfair tactics to abuse customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As I've been the recent victim of identity theft and account take over, I made a request for my CHEX consumer report online. The company has made it incredibly difficult and has yet to provide me with my full consumer report as requested. Their first response was to mail me a letter stating it was required that I call in and provide a security code to have my report sent to me. That was a long and lengthy process. When the report finally arrived, it was void of all data relevant to the score they provided or the reasons for the score. No banking or transaction information was provided at all. Jus a score and obscure reason codes, which make no sense to the average American.

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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This judgment has been on my credit report since 2017 I've tried to resolve the issue by calling the apartment complex trying to resolve the debt they no longer have my original file and said that they could not give me any information that it was already sold to the collection company, I said so how do I order the debt if you can't give me my own information nor could you give me the collection company that you sold it to information in order for me to resolve the issue I was only one month behind and they have a debt on here of {$6000.00} when I was only paying {$850.00} a month I do not think the charges are valid nor do I all the debt to the apartment complex they were also very unprofessional and acted as if they didn't want to help me to resolve the issue or tell me why the debt is so high when I was only paying {$850.00} a month when I was evicted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer rep
orting 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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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