vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: Coastal Finance Company, Inc.
State: NC

Complaint narrative:
COASTAL FIN CO INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX COASTAL FIN CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with coastal. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Prodigy Finance Servicing, LLC
State: GA

Complaint narrative:
Hi there, In XXXX I took a student loan to finance my XXXX. In XXXX after I graduated I started looking for options to refinance as a lot of people do. I managed to get a great offer from Prodigy Finance. Back in the days I did not have many options as I was an international student on a work visa. They gave me a great rate, advertised as all the rest of the student loan refinance companies, refinanced my US student loan. 
3 years later, today, I am trying to refinance my loan again in the US. I am still working and living here. What I am coming to find out is that no US institution ( as least the 6 different ones that I talked to that refinance student loans- XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) will refinance that student loan as Prodigy Finance is based in XXXX. 
I am stuck with a huge loan ( {$130000.00} ), high interest rate ( 5.62 % ), a lifetime change event ( had a baby ) that requires me to have more disposable income. All because Prodigy Finance did not disclose/advise this kind of information that because they are XXXX based one can not refinance the loan back in the US. A reasonable 30 year something person won't even know that this is a thing and that you need to ask this questions. They are a company that are refinancing US student loans for people living in the US. It is reasonable to assume that you should be able later to refinance your loan in US. I consider this to be highly misleading and fraudulent. They don't refinance their own loans, they don't want to renegotiate the terms and extend the term. 

I consider myself quite educated and financially verse. But a normal person won't ever assume that they won't be able to refinance their loan in the US if this is not explicitly stipulated somewhere in the contract or advertisement. 

I don't know if you can help me with anything with that and figure out my situation. But PLEASE make something about this company to proactively disclose this information to it's potential borrowers as people are STUCK with them and there is nothing you can do but pay the loan until you pay it off. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have a private Student loan with Navient that I was originally forced by XXXX XXXX in lieu of a federal student loan. I was not provided my options at the time and was believed I was getting a Federal Student loan. The loan then went into deferment while I went after another degree. I had no idea that the loan would Ballon to over {$20000.00}. The lender will not work with me to get the loan payments affordable and it has been a financial burden for many years now. This is money that has been thrown away for a unless degree and the loan has a high interest rate. I was not able to discharge it in Bankruptcy and the current status is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 me and my son went to Bank of America to deposit two checks into my account. After depositing the checks, we went home. As the days went by, I was able to pay my bills and use the funds that were in my account. The next day, while at work, I was trying to purchase something to eat for breakfast. I noticed that my card was declined several times. I was having difficulties making any transactions, even with paying another bill. So I decided to go to Bank of America to see what was going on. 
We spoke with a representative. They said that something was wrong with the check and that they were gon na hold onto the check for further investigation. The account was then closed. They told us to call them back after 30 days for an update. I told them that I had deposited two checks ; one from XXXX XXXX from my deceased husband retirement funds and the other was from XXXX XXXX. They told me that this process would take up to 90 days and to call back after 90 days. I called back after 90 days to get a update on the situation. They told me to contact XXXX XXXX and tell them to call Bank of America to prove that the correct amount on the check. I then contacted XXXX XXXX and told them what the issue was. Then after talking to a spokesperson from XXXX, I got right back on the phone with Bank of America again to let them know that it was the correct amount on the check. Bank of America told me I had to get on the phone with XXXX XXXX and they have to get in contact with Bank of America. After proving that the amount was correct, Bank of America spokesperson told the rep at XXXX XXXX that they were going to release the funds within 7 days by mail. Its now XX/XX/2021, which makes it 7 months since they've held onto my funds and have not called or mailed anything to me concerning this issue.

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 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
PROSPER /XXXX  denied my loan on the basis that my PAY-STATEMENT WERE FALSE, stating that not real, acusing me of submitting fraudulent document which is false i have been working for this company for 11 years and these are the statement they always used, they simple assume, that because these statement can be generate online there false or fraudulent i have place a complaint to the office of the attorney general, federal trade commission XXXX local and federal authorities for defemination and accusation of commuting fraud i will like you bring this to your attention and all the authority 's of there practice and XXXX  and will take this all the way

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: DriveTime
State: VA

Complaint narrative:
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
I am a homeowner who is in the XXXX field and due to COVID-19 I was working limited hours and only recently have we started to pick up hours almost back to normal. I am a single parent so there is one income at this point as well. I began the forbearance period in XX/XX/XXXX although I continued paying the mortgage until XX/XX/XXXX then with cut hours not coming back I stopped making payments due to the uncertainty of what the future holds. I spoke to my then servicer XXXX XXXX and they discussed future options with paying it back, they defer payments but I would owe my escrow. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX XXXX  to discuss my process to pay back and at that point I was told I owe {$5100.00} in escrow and then my regular payment would resume on XXXX XXXX. This was very fair. I filled out my loan modification package and emailed it back to XXXX XXXX. As I was waiting for a response from Loan Care I received a letter from XXXX XXXX saying I was sold to Gregory Funding as of XX/XX/XXXX. I called Gregory Funding many times to reach out and see how to begin payments. Each time I called I was told they don't have any information yet. Finally, I spoke to a XXXX [ forgot the date ] she mentioned that I should pay the now {$7500.00} escrow before they do an escrow analysis to avoid their escrow department calculating that into my monthly payment and it would go way up. Then, I spoke to XXXX on XX/XX/XXXX I wanted to get the exact escrow amount to pay and how I would pay it and should I also pay the XXXX payment. She advised me to not pay the escrow yet because if I had limited funds I may need that as a down payment after my mortgage was modified because they do not participate in deferral programs. She did recommend that I pay {$640.00} to at least make the XX/XX/XXXX payment complete. At this point I have no idea what to do it is impossible to get in touch with the company, each time I call there are 100+ calls they must take [ they have an automated voice that counts down ] if you leave a call back number they do not call back. In addition, I am basically told something different each time. I was also told a loan officer would reach out to me at some point to review my modification form that was forwarded from XXXX XXXX but I'm afraid that whatever payment option I do at this point it may hurt me financially and I'm very uncertain as to what step to take. A letter also came that said my mortgage was {$250000.00} before COVID-19 and now it's {$280000.00}. Where did the {$30000.00} come from if the idea of a forbearance was that interest would not be tacked on you were supposed to be deferred. Can this company change the deferment at this point or was it fair for XXXX XXXX to sell me to another company in the end of a forbearance before the exit was planned? Any help or direction would be greatly appreciated. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On ( XX/XX/2021 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. 

Original creditorXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: IL

Complaint narrative:
My identity and information has been compromised and used without my authorization and consent. It has been over 30 days and I have not received accurate updated investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My identity and information has been compromised and used without my authorization and consent. It has been over 30 days and I have not received accurate updated investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lowther Johnson Attorneys at Law, LLC
State: MO

Complaint narrative:
I was personally victimized by Attorney XXXX XXXX XXXX XXXX, belittling tactics with regards to a XXXX XXXX dues debt collection. 

XXXX XXXX Law Firm, Lowther Johnson, in XXXX, MO represents my XXXX. I called XXXX XXXX firm to request a reduction in interest fees because the bills and communications were being sent to my ex-husbands address. They were not being provided to me. 

During a six minute phone conversation, it was clear he was unwilling to compromise and he began issuing insults about my ability to process information. 

The XXXX debt was paid in full on XXXX ( received a receipt from the firm ). XXXX XXXX refused to deposit the check for weeks. 

Instead of dismissing charges for the debt payment made in full. In retaliation for the the conversation, he added charges for IT support of {$300.00} to block me from his server after sending three emails in response to his three emails ( if they are charging me fees how am I supposed to communicate with them about XXXX fees ) and charges for his legal services ( although the XXXX pays for his services ). 

XXXX XXXX utilized sexist and abusive tactics towards me and other women in the community. Using statements like tell your Wife to shut up and listen here little missy, I dont care what you think you know.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications Capital One, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except Capital One is still reporting to XXXX  that this is a true and factual Hard inquiry. I called Capital One the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: National Credit Systems,Inc.
State: WV

Complaint narrative:
National Credit Systems incorrectly placed a debt of {$980.00} on my credit report, saying that I co-signed an apartment lease with someone who I do not know anything about. I did no such thing, and do not know any XXXX XXXX. I have filed a required form with this company to dispute this, but have not heard back. 

When I disputed this with XXXX, they stated that they verified this as correct. My complaint is that they did not do an adequate investigation and falsely labelled this as correct. If they can even tell me the date when this lease was signed, I could show them where I was on the day the lease was signed as I am a XXXX  with documented activities everyday. They could have checked the signature too to see if this was mine, or the SSN or driving license number if this information was on the lease. However they did not do anything worthwhile and send me a one line response saying 'that the information was found to be correct '. 
Repeated attempts to engage them on their website have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have tried making my payment by website and automated phone service. By phone ; the automated service won't allow me to make my payment, due to it restarting and improperly functioning. This is how I've always made my payment in the past. Upon failure to make payment by phone, I signed up for an account, online. The system, rejects the payment and told me not to try again. ( Documented with screen shots ) I have left 6 emails with the customer service link provided on their website. I have called 4 times and been left on hold anywhere between 10 minutes to over 30 minutes, trying to reach someone to talk to, with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
I have received numerous calls but zero written communication from LJ Ross about a supposed debt. They have failed to identify their line of business and or the reason for their call. On XX/XX/XXXX, I was notified about a collection attempt added to my credit report for {$220.00}. It has seen been removed from my credit report through the dispute process. I don't have any outstanding debt that I'm aware of currently for {$220.00}. I need LJ Ross to stop calling me. I need all communication in writing and proof that this wasn't debt written off by a previous company sold on a list somewhere. I know most debt in this country is collected illegally outside of the statute of limitations. I am tired of having to hire attorneys to send letters to address fraudulent claims of debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation