vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: ME

Complaint narrative:
I have a couple loans through Sallie Mae. I had to have a co-signer and that was the easier part. I think for student loans they are pretty hard to acquire them without a co-signer. I'm XXXX, seriously. I do find it very difficult to talk to some one, change contact information, deferment, forbearance etc. I am still in school, and every time you turn around I have to get in contact to change it in school deferment. The do not call you just once. If you have multiple loans with them you get an email, phone call and text message to you and your cosigner er each loan. So your getting multiple calls, emails and texts. This happens over multiple days, It is down right annoying. There is no way to limit this or even change the method of contact. This is on the border of harassment. I have tried every semester ( yes I literally have to call each time ) to update that I am still in school, fight to get a deferment or forbearance, etc. This time I literally have called daily for a week, I still have not fixed anything, and now the loans are late for payment. Each time I call no matter what time of day it is. There was one time that the wait was over 3 hours, 2 hours, 1 hour and another time it changed to 77 people ahead of you 62, 34, literally it is impossible to reach anyone. It is not possible to download a form to submit, you would have to sit on the line all day to do this. When you work this is impossible. This is going to affect mine and my cosigner 's credit, and I really can not get any where. I am still in school and am trying to finish my XXXX, this ads an extra level of stress each semester when you have to call and report in or get things changed. No one has time for such crazy nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-01 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I noticed a Account from CCS Collections {$400.00} us still on my account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TN

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
So started when I began to notice the charges of late fees even though I was already paid ahead, and I was not late on my payments. This brought up the issue that they were improperly/not applying my extra payment to my principal. It also brought up the issue that when I had my insurance rate on my escrow lowered by about half which they did not make the changes, nor did they credit me. Besides that, fact between the stimulus/grants /other government programs I should have another {$10000.00} that has been credited. Which I received notification from the US government and the company that I would be getting these credits. Which I did not get credited to my account. While this was going on I was looking to change to a VA mortgage which I have not been able to because of the XXXX they are doing. I extremely hard time contacting the company. This company is embezzling my money that have put towards my mortgage they said my mortgage was {$100000.00} when it should have been at {$86000.00}. This company began to refuse my payments and then sold off my mortgage to another company. When I did my contract originally which involve a lawyer and court, I had the removal of selling my contract to another company without court order or my approval. This company is now violated the contract and is also committed identity theft. Which these charges are in the process of being filed. This company is also been identified as the company who sold off personal and confidential information to other mortgage companies which now I received numerous calls a day from. I still have the payment that are missing which I have not been able to make because the company refusal to take them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I entered the XXXX, NJ branch of Santander Bank located at XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/2022 during normal business hours ( around XXXX EST ). I verified my identity by presenting my current driver license and my Santander debit card with PIN. I requested the balance of my funds from my account. I was told to have a seat and that they would complete my request shortly. Around XXXX, the attendant notified me that the branch was closed and that I needed to return on another day. When I inquired why my withdrawal request was not completed, I was told that they had received " back office approval '. I was not aware of any back-office procedures required to release my demand account funds so I promptly called Santander 's customer service number. I was subsequently told by the customer service center that the branch attendant requested a block on my account. I asked the customer service attendant to use whatever validation procedure is necessary to clear my account and indicated that he was not able to do it. Neither the branch attendant nor the customer service representative attempted to further verify my identity by asking any additional identity or account questions. Santander Bank does not have a valid reason to withhold my funds without making a good faith effort to properly and sufficiently confirm my identity.

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I paid my balance in full with XXXXFORTIVA XX/XX/2019. After I paid the balance in full, I asked the company to closed my account in XX/XX/2019. XX/XX/2019 FORTIVA reported a late payment to all 3 credit bureaus. I have called this company several times over the last 3 years demanded that my account be closed and it has taken this company 2.5 years to close my account, that should have been closed in XXXX XXXX this account was NEVER paid late because it was paid in full 3 months before reporting late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I went to bed at XXXX watched my account They then added XXXX  four times by XXXX XXXX.This happened to add with putting any notice in mail or email.Not showing me what the charges for.I had XXXX yesterday.All paid for items.Everything stated posted besides my items at XXXX  XXXX and at that time everything else was posted and paid. 


I had a talk with XXXX head offices today.They informed me that they were fully paid on the XXXX of XXXX.The fees were in turn removed by pnc today and repaid to them. And pnc added fees to my account after illegally charging me for back dated items that was already paid for.Items on XXXX still under posted.Did not get charged for those.Yet they back dated removed the item paid already and repaid them and charged me fees 4 XXXX  fees.They stated that it was already paid and should not have had any fees.They did not post anything with pnc.The charges came out XX/XX/XXXX and XXXX.They were paid in full.But told me pnc took the money back and paid it back witch gave me those fees.That should not have happen.They did not do it instead pnc did it and gave me XXXX  fees four times.They did it by pulling fully paid items and turned them negaive when they were already paid.XXXX  agrees that should be paid back or a lawsuit for illegally trying to collect fees not owed.They said pnc paid them and then pulled it back and paid again.And today was a ton of XXXX for other items that was posted as paid items that was back dated before XXXX.It was paid so why charge for items that they back dated.I notice they do this a lot.Took XXXX in XXXX  fees for XXXX worth of its that was paid.I had just got my social security today and they stole XXXX from me.And I would like my money back and for this to be investigated for fraud activity by pnc. 


Hi I need to dispute these XXXXfees.I had moneyin my account and It was not negative.I woke up to four different transaction of XXXX.I will dispute these as well with fairshake.That should not be there.XXXX Spent XXXX at XXXX XXXX and woke up to all these fees when I had money an dno notice on these fees no 24 hours went by just instantly posted XXXX  times four..I need my money back in the account .That is just not right.Instantly post that.Been watching my account very close.This is no day later it posted to add fees several times on porpose. 

I need my money back.I will be moving and I am working with a loan mortgage .And this should not be on here when it was not negative.I am contacting XXXX attorney Because I am being charged when having money in the account and everything posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: UT

Complaint narrative:
I noticed unauthorized accounts, inquiries, and personal info on my credit report. Someone else applied and used my info in my name. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized things must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING XXXX  XXXX. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!

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 2022-03-01 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING XXXX  XXXX. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!

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 2022-03-01 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: NJ

Complaint narrative:
We have bought a timeshare with XXXX since 2019 and it has not benefited us. Instead, we have been throwing our money to the wind. The sales representatives did not go into further detail and were manipulative. They made it seem as if this was a great deal and available only for that day to get me to feel like I had to sign right then and there. They had me feel as though I could not walk away, no matter how many times I said no to this contract. I was misled and pressured into signing this contract. The increasing fees for this membership have placed a strain on our finances. This has become an extremely stressful situation for our family and continues to be a burden in our lives. We have made countless requests to be released and the only solution is for XXXX to move forward with the cancellation of this account entirely. We do not want to be partnered with a company that has such disregard for its owners and is purposefully manipulative. 

They have enlisted Blackwell Recovery to damage our credit even more and keep us in an unfair contract. We never agreed to work with Blackwell and are resolving this matter with XXXX directly. Blackwell needs to cease all collection efforts.

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 2022-03-01 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: GA

Complaint narrative:
EXPERIAN TO Whom this may concern Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER.

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EXPERIAN any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose. 

EXPERIAN didn't RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a4 EXPERIAN sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EXPERIAN TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX I would like to state that pertaining to 15 USC 1681- ( a ) that the banking system id depended upon fair an accurate consumer report. BY EXPERIAN VIOLATING LAW, it has cause me to lose confidence in the banking system. ALSO, UNDER 15 USC 1681- ( a ) ( b ) EXPERIAN had invalid inaccurate info on my CONSUMER REPORT such as, WRONG SSN I HAD TWO SSN ON MY REPORT, WRONG ADDRESS, ALSO WRONG EMPLOYER. IF EXPERIAN WAS DOING ITS LAWFUL DUTIES IT WOULD HAVE CAUGHT THESE JUST LIKE I THE CONSUMER DID. 

IF EXPERIAN WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY 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 non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Mercedes Benz Financial Services
State: AL

Complaint narrative:
I applied for an auto loan on or about XX/XX/2022 on the XXXX, AL Mercedes-Benz website , and no one can locate it to give me a status as of today, XX/XX/2022. As personal information was inputted, I am concerned that XXXX XXXX XXXXXXXX, AL has compromised my personal information. The salesperson relayed that both managers can not locate my application even though I received confirmation that it was submitted. I am concerned -- where did my information go?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CA

Complaint narrative:
I recently reviewed my credit report for correctness. I found an unidentifiable account from XXXX XXXX  XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( Equifax, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-01 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: NJ

Complaint narrative:
On XX/XX/2021 I informed EXPERIAN I have become a victim of identity theft. EXPERIAN continues to report fraudulent accounts on my consumer report which has caused me stress, XXXX  and defamation of character.

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