vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX at Sallie Mae Bank. We had set up a payment plan to get back on track with my student loans. She had enrolled me in the Payment Extension Program and we set up 3 qualifying automatic payments. After the 3 payments were made ( XX/XX/XXXX and XX/XX/XXXX ), the past due amount was to be added to my total loan balance. The first 2 payments come out of my bank account but the 3rd and FINAL qualifying payment never came out. I made the payment on XX/XX/XXXX. 

When I spoke with my account manager about letter/emails/calls I kept receiving, he told me they had no record of me ever speaking with XXXX XXXX on XX/XX/XXXX XXXX However, she told me that this would be the case since " they don't always know what's going on. '' I am still currently defaulted and I have tried to resolve this issue and take care of the loan payments to get back on track. However, they are denying that I had ever set this up with their company. It is unfair practice, immoral and downright a lie. 

They record all of their conversations so I know that the call with her can be looked up and if nothing is done about this, I will resolve to filing a lawsuit against Sallie Mae. They need to be held accountable to their policies and their word.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
ATTEMPTING TO COLLECT A DEBT PAST THE STATUE OF LIMITATIONS JUDGEMENT DATE XX/XX/2012 In accordance with the Fair Credit Act Credit Acceptance Corp Case # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy Being a Resident of XXXX; Under Wisconsin XXXX XXXX, the statute of limitations on open accounts and written and oral contracts is 6 years. The statute of limitations on promissory notes is 10 years. Wisconsin law prohibits any collection efforts on accounts where the statute of limitations clock has expired. This rule applies to original creditors and collection agents. 
Under Wisconsin XXXX, a creditor may not file a lawsuit on a debt after the Wisconsin statute of limitations expires. If a collection agent or original creditor attempts to collect expired debt create a cause of action under Wisconsin law as well as under the federal FDCPA because any collections actions misrepresent the legal status of the debt.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I got a JCPENNY Credit Card. The store employees took merchandise and charged it to my credit card and, then, had its partner in crime ( XXXX Bank ) falsely document that I had this fake debt and sent me to collection-agencies-credit bureaus to damage my credit. 

This was because I refused to be blackmailed and give them money to delete the fake debt. Then, I contacted the newspapers and they deleted the fake debt ; but left the interest and fees on my credit card.

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 monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act SANTANDER CONSUMER USA ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2022 I signed a contract with publishinglife.com to produce a book I authored with the assistance of their staff. The cost is {$2000.00} with an offer to make payments XXXX months later through XXXX. On XX/XX/2022 I made a request to cancel my enrollment because I as understood the offer payments would begin XXXX months later. The offer was not honored, I was billed within the first week of enrollment. Also, I learned that XXXX would require additional fees for coaching, marketing, publishing, etc. after watching modules to start the course. The information that additional fees would be required was not disclosed at the time of enrollment. From XX/XX/2022 until the end of XXXX, 2022 I continuity disputed being charged payments to pay the $ XXXX on a monthly basis to Synchrony Bank/PayPal . The only source of communication was with Synchrony Bank, publishinglife.com could only be reached by email. XXXX with Synchrony Bank ceased in XXXX because I was told their position sided with publishinglife.com who is the client. XXXX wrote an email stating their policy for cancellations was either within XXXX hours of enrollment or 6 months after. I was told I did not qualify for cancellation at the 6 month period. Synchrony Bank continues to call my cell phone daily, weekends included and send bills requesting payment.

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 2023-01-31 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: CITIBANK, N.A.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-31 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: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX seems to be utilizing a very deceptive practice where they show the option of bi monthly payments within an amortization calculator to show how this option will help payoff a loan faster. With this in mind it appears that this is a great option and it will save you money, however in reality the lender is holding the first monthly payment as unapplied funds and is not actually applying the payment to the loan. See the attached screen shot of the payment activity on my loan so you can observe what they are doing with the payments. I called and spoke with BSI and asked why are they holding the payments and not applying them to the loan balance? They said they dont do this and there is no option for them to applies these payments, they must hold the payment until the amount received reaches the payment amount and then it gets applied to the loan balance. Is this practice legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its XXXX accounts open with the t mobile company, they are asking for XXXX $ that i did not aprove or did myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX check # XXXX, originally made out to XXXX XXXX dated XX/XX/XXXX appeared on my bank statement and in pictures of my cleared checks of XX/XX/XXXX, altered. In a different handwriting the check was made out to ( illegible ) XXXX for a changed amount of {$8200.00}. I believe original amount was {$50.00}. I telephoned the problem to my branch of XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX to report the altered check upon receipt of the bank statement and visited there the following day. I described my problem to XXXX XXXX, bank supervisor, who showed me her copy of the altered check, picking it out of the other checks for the XX/XX/XXXX statement. She explained to me that the check was XXXX of many altered checks her bank receives monthly, and was an example of check frauds occurring throughout the country. 
Never having heard of this scam, it seems checks are stolen from mailed letters, original information erased, cashed by an agency involved in the fraud, and returned to the bank as cashed and cleared with all information showing the cashing agency on the back of the check also erased. She stated I was a victim of check fraud and assured me the bank would cover the amount stolen from my account. 
We filed a XXXX in XXXX XXXX form on XX/XX/XXXX. My account was closed to prevent further fraudulent actions, and a new account opened. She further informed me recovery of funds would take 4 months. Never having known about this type of fraud I didnt question the lengthy amount of time for getting back my money but waited, believing in the banks intention. 
In the interim I discovered a friend had also unwittingly been victimized by the same fraud, but his bank covered his stolen amount within a month of the occurrence. Thinking XXXX months long enough for bank to cover the stolen funds, I have been in contact who XXXX XXXX who now states the bank XXXX not be forthcoming for XXXX or XXXX more months which seems at best, a stalling tactic or worse, a suspicious one. At the very beginning the bank was informative, helpful and reassuring. Now XXXX concerned about my funds which is the subject of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 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: PA

Complaint narrative:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report which is NOT in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: PA

Complaint narrative:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report which is NOT in compliance with the FCRA.

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 2023-01-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ive sent in disputes letter with certified mail and the report remained even after being inaccurate XXXX  case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to FRAUD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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:
On the XXXX of XXXX I went to chase bank XXXX XXXX XXXX, in XXXX XXXX California. I opened a checking accounting to deposit a refund check issued by my insitutuion where i'm enrolled for school, The personal banker XXXX advised me to electronically deposit the federal issued check even through my suggestion to deposit XXXX in person. I was made aware I would have a regular wait time of XXXX days to receive access and XXXX dollars was made available in the meantime. After the bank received my funds they automatically flagged my account and restricted access, after numerous calls back and forth between customer service and my school there is no clear answer on why my money has not been made available to me, but yet is available and circulating through the bank itself. The common request is for a verified phone number of the check issuer, and my school has no idea what a verified number refers to. I've met with the head banker and still can not access any of my funds even though as a college student on the verge of homelessness they will not help. So much misinformation, and no clear cut answer, I really want my funds and it feels extremely unethical the way I've been advised and how they are handling my money, the money is present within chase and they're actively accruing interest for there own profits, at my own expense and livelihood. I do not know what to do at this point, and the response time has been lackluster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX ; and I work as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm assisting a XXXX with a loan modification and worked very hard to fax the documents to PennyMac before the XXXX of the foreclosure. Unfortunately, PennyMac gave me 4 different fax numbers which were busy. Today, I was able to reach their Escalation Team and spoke to XXXX who walked me through uploading the documents through their portal, which she stated is her company 's preference. I'm very disappointed with the customer service of PennyMac because each time I called them to either get another fax # or check on their fax machine, the customer rep said it must be my problem. I went to XXXX different locations to fax to the following numbers XXXX, XXXX, XXXX, & XXXX to no avail. 
I'm disappointed that a company as large as PennyMac does not have adequate electronic services to handle the financial requests made by their Homeowners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
They withhold fund from my wages on XX/XX/2023. {$140.00} was taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ive sent in disputes letter with certified mail and the report remained even after being inaccurate BANKRUPTY case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX 2018

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