vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL

Complaint narrative:
I was offered a XXXX XXXX, marketed to me as a " student loan '', to participate in a Software Engineering Intensive course at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX was acquired by XXXX XXXX XXXX, who then shut down the program effective XX/XX/XXXX, a week after I finished the program. 

I struggled to find work making the income I needed to make to pay off this loan in the terms I agreed to before entering this program. Because the program was dismantled promptly after my completion of the program, I did not have access to any of the resources I was promised when taking the XXXX XXXX to pay for the program. 

As a result of XXXX, I was allowed to put off this debt through the emergency measures put in place. But now the monthly payments of the loan would be about 65 % of my monthly average income. 

I learned after completing the program, that the XXXX XXXX I took to pay for the program is not a student loan backed by the Dept. of Education, it is a private consumer loan debt. 

I have attempted several times over the last 3 years to negotiate reasonable repayment options with Aspire Servicing Center, the lender that services the XXXX XXXX that financed the XXXX XXXX program. Aspire has refused to negotiate reasonable repayment, and has told me that refinancing with a bank or defaulting are my only two options for repayment. 

Aspire has refused to provide me with any information regarding default proceedings prior to defaulting on the loan in 80 days, if I do not pay the balance of {$2000.00} to avoid default. 

Aspire also services two of my federally backed student loans from XXXX. They have offered an income based repayment plan for those two loans. I am currently completing the paperwork for the XXXX. 

Because the brick-and-mortar school was dismantled, the program 's website is no longer available. Their twitter is still public, as of the submission of this report : https : XXXX XXXX 

I have not been able to seek resolution from XXXX XXXX XXXX. 

I am currently seeking out legal aid to settle the debt of {$24000.00} with Aspire Servicing Center for the XXXX XXXX used to attend the XXXX XXXX program.

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 2023-05-18 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: Certegy Holdings, LLC
State: CA

Complaint narrative:
Hello, I have originally filed a complaint against Certegy on XX/XX/2023 complaint # XXXX. Then on XX/XX/2023 complaint # XXXX. In the first complaint verified they would totally remove the resolved item with XXXX on XX/XX/2023. Please see attached. I received an updated Consumer Report from the complaint on XXXX XXXX on XX/XX/2023 with the resolved item with XXXX still remaining. Please remove this entire Resolved item from with XXXX my consumer report as you previously stated by Certegy to be removed.. I have attach proof of your confirmation of the removal of the item as of XX/XX/2023. Please email me and mail me an updated Consumer Report past XX/XX/2023 with this entire section removed.

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 2023-05-18 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
SOUTHWEST CREDIT SYSTEM Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. SOUTHWEST CREDIT SYSTEMS VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX XXXX, my XXXX is XXXX. The first day i was opening my account banker scan my documents and after wrote over they, that's why they are not correctly in the Database, thats why they are no legible, thats maybe the cause of all this situation. I have send the documents more than 5 times, including through the one of their managers. 

Now Chase retein my funds from XX/XX/XXXX till now and nobody give me and straight answer, last call they was saying that the funds where in OFAC but is imposible because i have OFAC confirmation and they don't have my funds. 

Today they was trying to tell me that is my fault, because i don't have a legal document, in that case, why they open the account in a first place...? Is not my mistake. 

But honestly is not correct, i have I XXXX and I'm legally working and living in this country. 

They told me now 8 times " We are gon na send the check next week '', the first time was in XXXX, but never happen and the story start over and over again without and end. 

I'm really upset, because i have tell they that i wan na close my account but i don't know why in 6 months they don't close it, whats is rare because in the Branch they have a note saying that i can make a withrowal but they can not make the overwrite in the system and thats it. 

I have call more than 20 times, every call 1 hour or 2, they have call several times with a different version of the situation, i have been in the Branch several times, more than 15 times, in differents Branchs actually ... what i need to do to receive my funds??? 

I have my son and wife suffering this horrible situation and i have been paying everytime XXXX plus my rent payments because Chase have my Funds and i have delays. 

I need a Senior Manager and the solutionplease... ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. XXXX XXXX XXXX VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account : XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the 15 U S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX  ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX, XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 

15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Chrysalis Holdings LLC
State: WY

Complaint narrative:
This complaint is for a refinance I've completed with New Day USA back in XXXX of XXXX. I was constantly receiving tons of mail from this company to refinance with them. They also sent cards pretending to be from XXXX XXXX XXXX  ( my old mortgage company ). It would state that I had funds I could recover if I contacted the number on the card. I contacted them, and they made all of these promises to improve my finances and credit. They also pressured me hard to take out equity loans. I caved in because I thought it would genuinely help me. They promised me once the equity is paid off within my mortgage, the monthly payments will decrease and so will my mortgage balance. That turned out to be a lie, and every time I tried to ask them about it, they would brush me off. 

Because I screwed up and refinanced with New Day USA, my mortgage payments are extremely high compared to my old mortgage. This is taking a toll on me financially. I then tried to set up biweekly payments with them to somewhat relieve my financial situation, but they wanted me to pay an advance. I paid that and set up the biweekly payments for the same month. When I realized the second withdrawal was a few days before I got paid again, I contacted them to see if I could adjust the dates. They stated they would have to set me back to a monthly payment, and if I wanted to set up the biweekly payments again, they would need another advance. My bi-weekly paycheck is only {$2100.00} and the mortgage payment is {$2300.00}. It eats up my entire paycheck and more. I'm at my wits end with New Day! They claim to help veterans and they do the exact opposite. I should have never let them pressure me into this situation. 

I don't want this company to prey on any more veterans. I don't want them to end up like me with an expensive mortgage I can barely afford because of misinformation and aggressive sales tactics. This is the first home I've ever owned, and the experience is now ruined for me. I should have done more research before making this mistake. I am so embarrassed and ashamed. After doing more research, this company has countless bad reviews from veterans with similar experiences as me. They have gotten in trouble for their aggressive sales tactics, high interest rates, and fees. Most of the positive reviews were most likely fabricated. I think they're even banned from doing business in some states. 

I am currently refinancing with my old mortgage company to get away from them. Sorry this is a lengthy message, but I just wanted to inform you of what's going on. 

I also reported to this issue to my state 's attorney general 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX, 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 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in 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 2023-05-18 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: NY

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
On Thursday XX/XX/XXXX of 2023 a representative from Genesys National Recovery called my XXXX  mother 's phone regarding a debt with XXXX XXXX. I enlisted in the gym due to an offer i got because of my previous employer, after i ended my working relationship i tried to cancel membership to no avail. In the call that was recorded by my parent, you can hear the representative letting a third person ( my mother ) that was listed as an in case of emergency contact, that i owed a debt for XXXX dollars and that they were going to seize my salary for the total amount of XXXX dollars, that included lawyer fees. They are breaking the law and the fdcpa by telling an un authorized third party about a debt not pertaining to them. Also, they called her repeated times today untill she picked up, about 4-5 times, my mother have health and XXXX  issues that aggravate due to stress. This company have my number and my email and they only contacted me once to settle debt in full. I told them i was unable to pay full and wanted to pay in installments. They said it was not an option. They also told my mother that i refused to negotiate. Please make this type of debt collecting stop, its affecting my mother 's and my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a credit card with Bank of America. In XXXX of XXXX, I mistakenly made 2 payments to my credit card. I called the bank and asked them to reverse the second payment. It took the bank 3 months to reverse the payment. In the meantime, my credit card statements in XXXX and XXXX were negative ( because of the XXXX overpayment ). In XXXX, when the XXXX XXXX payment made in error was finally reversed, it was backdated to XXXX ( per the bank, as if that 2nd payment made in error in XXXX had never happened ), and because of that, the bank is now arguing that I missed the XXXX and XXXX payments, even though they acknowledge that those two statements were negative, and that there was no payment for me to make in XXXX or XXXX. Without notice, they closed my account, sent me to their collections department, and reported me to the credit bureau. My credit score has dropped by XXXX points.

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