vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: GA

Complaint narrative:
XXXX XXXX is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified Experian, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting

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 2022-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank has yet to provide me with a 1098 mortgage interest statement ( it is now XX/XX/XXXX ). I have spent hours on hold with them, been disconnected multiple times, and went to visit a branch in person twice, and I still have not received this form. I am nut sure how to pay my taxes without this form.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I paid off my mortgage loan on XXXX XX/XX/2022. I wired {$330000.00} to NewRez. This represents an overpayment based on the debt reported on my credit report of {$320000.00}. I called NewRez and that they stated that a underpayment was received and this delayed settling the loan. They calim to have received roughly {$10000.00} less than I sent. I have now emailed them repeatedly and they do not reply to my requests for information and updates. It is now XXXX XXXX, more than a month later, and the debt still shows on my credit report and I have received no communication from newRez. i have also not received any money that is still owed to me for the payoff of the mortgage I attached a bank statement showing I wired the {$330000.00} to NewRez on XXXX XX/XX/2022 and it specifies the loan number to be paid off and my name

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my TransUnion credit report and noticed I have unauthorized inquires that I don't recognize. I submitted a dispute with TransUnion and received a response back and they haven't did any investigation into this matter. Per the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have the right to challenge questionable information that I have found on my personal credit report. Also in my letter i sent to TransUnion I told them that I was invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information from the investigation of the inquires stated below : 1. The date you contacted the creditor 2. The contact information for the creditor XXXX. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 
I have not received any of these items requested from TransUnion. I have attached the response from TransUnion and there are not following the law and is reporting inaccurate information on my credit report. Furthermore, TransUnion violated the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Again, TransUnion haven't sent me any supporting documents showing they did any investigations as I requested per the the Fair Credit Reporting Act Section 611. TransUnion has not provided me with that information that i requested

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 2022-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Kentucky Higher Education Assistance Authority
State: NJ

Complaint narrative:
During the Covid-19 pandemic, during the relief program that started on XX/XX/XXXX until XX/XX/XXXX, repayment and deferment policies were put in place, and loans were no longer being put into default during this time. I have a student loan that was placed in default XX/XX/XXXX, and can not access it or pay it off due to the servicer no longer having access to it because it is property of the Dept of Education, but the Dept of Education doesn't have access to the loan either. This defaulted loan is preventing me from receiving financial aid for continuing my education. Please advise me on how to get my loan out of default when it was not supposed to have happened during this time and the Covid relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had called TransUnion XXXX XXXX XXXX XXXX. To correct incorrect addresses displayed on XXXX XXXX. Under current address had read my previous home address was displayed and also with XXXX XXXX XXXX address. Under previous address read my current address. I had called XXXX number from TransUnion XXXX XXXX website. Yesterday on Monday XX/XX/2022 at about XXXX pm. TransUnion representative said over telephone that issue with incorrect previous and current addresses would be fixed immediately. This morning on Tuesday XXXX, XXXX 2022 at about XXXX am. I opened my XXXX XXXX account with TransUnion and found that complaint I had made to TransUnion was not corrected.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper is the servicing company on my loan. I contacted them via the secure message feature XX/XX/XXXX and XX/XX/XXXX and only received automated responses that they would contact me within 5-7 days. There has been no contact. I received my escrow statement XX/XX/XXXX and PMI is still listed so I contacted them via chat and was told I needed to call. XXXX gave me 3 numbers to call. After being disconnected and on hold I finally reached agent XXXX XXXX on the 3rd number who told me she could not find my loan information although I was authenticated by their system. My loan reached the legal requirements to remove PMI and that is all I want done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Alorica Inc.
State: TX

Complaint narrative:
I have contacted the Company and I have contacted the XXXX themselves. I am now getting letters from the attorney 's office without having them change my credit or make anything right by them dinging my credit with the unlawful pull of my credit. 

1. They did not have my permission to pull my credit. 

2. They had a letter advising NOT to pull my credit. 

3. They did not have an updated consent to pull my credit and the information they are basing their authorization off of was NOT supposed to be pulled and used in the first place due to the XXXX XXXX leasing standards for XXXX. Unlawful and XXXX anyway even if it was was not up to date. 

4. 3rd party did NOT have a signed dated consent to pull so someone gave them my consent unlawfully to pull my husband 's and my credit and it was done unlawfully and with intent. 

NOW they are attempting to get my information to put it through so they can scam me again. I want charges files and their files audited. Their city and newspaper are in with my records as well should you look at the address where they keep all records and NOTHING is done lawfully. Attempting to go through their counsel, I am getting delayed tactics and semantics. 

I have attached a series of emails. XXXX knows that there is no change in our " borrowing '' services and there is no change from the " original '' term which they denied us years ago and this is a formality because they forced us into a " rent-to-own '' circumstance. Therefore this " new application '' is a formality so we are no longer having to pay additional " rental fees '' on top. They are wanting authorization to run our credit while they already did it illegally when they did NOT have permission to on the form they told EGS/NCO they did have permission and sent the authorization through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
I had an instore loan with Check n Go and then applied for an outsource loan for an extended amount with Axcess Financial who through Check n go. They have not reported my on time installment loans to my credit since XXXX of XXXX. XXXX was paid in full XX/XX/XXXX for XXXX reference number was XXXX auth code : XXXX, cust ID : XXXX ). I have since disputed with XXXX a couple of times and there is no way anyone is truly conducting a research if it is still showing I have an open balance. ( If i wasn't making my payments it sure would be reflecting then!!! ) I have contacted Axcess Financial because it was not up to date with my accurate on time payments and now completion with loan. I just had ANOTHER dispute completed today ( XX/XX/XXXX ) again with XXXX and still none of payments were updated for every month after XXXX and it is not reflecting that my installment has been completed. I tried to contact what my credit report showed : AXCESS FINANCIAL who send me back to Check n Go since it was a in store installment loan. When I contact Check n Go and their system reflect I have a completed payoff installment with all payments before on time, I am at a stand still and at this point, JUST DELETE THIS OFF MY CREDIT REPORT AS A WHOLE. I don't know who to contact at this point but I want this off my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, I had TWO fraudulent transactions occur from two merchants, XXXX XXXX and XXXX for {$100.00} and {$110.00} respectively. I called Chime to dispute the transactions. They advised me that I would receive a provisional credit, an investigation would occur that could take up to 90 days, and I'd be receiving a new debit card. On XX/XX/XXXX, I received the provisional credits. I called both merchants on XX/XX/XXXX and had to leave a voicemail with XXXX Scales. I was able to speak with XXXX in the billing/fraud department of XXXX and she advised me that they already had the transaction flagged on their end as fraud and they refunded my money back that day. On XX/XX/XXXX, Chime took back both credits and sent me an email stating that NO fraudulent activity occurred. On XX/XX/XXXX, I received my new Chime debit card in the mail. I called Chime and had them open another dispute into XXXX XXXX since I had not heard back from the merchant yet. I received a provisional credit on XX/XX/XXXX for this. On XX/XX/XXXX, the credit was reversed again and Chime stated NO fraudulent activity occurred. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX called me back and stated that the transaction that occurred on XX/XX/XXXX for {$100.00} was in fact fraud and I'd be receiving a refund. Today, XX/XX/XXXX at XXXX, an amount of {$110.00} from XXXX was taken from my account. I called XXXX and they can not find any transaction or activity that occurred on their end with my NEW debit card, name, or bank account information. I called Chime right after the call ended and a representative advised me that XXXX had taken back the money they refunded me on XX/XX/XXXX. I called XXXX back and they stated that is not true and that is not something they do once a customer has been refunded. So Chime really wants me to believe that XXXX SAW the fraud alert for the transaction that occurred on XX/XX/XXXX and gave me my money back on XX/XX/XXXX, but have now taken back the refund they gave me a whole 14 days later. That's absolutely absurd! I also went to Chime 's twitter page to seek more guidance and Chime is hiding tweets from other Chime members who have experienced fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
RE : STUDENT LOANS NAVIENT Reported : XXXX. XXXX, XXXX {$19000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$28000.00} In good standing NAVIENT Reported : XXXX. XXXX, XXXX {$15000.00} In good standing As per my recent email with CFPB I indicated that NAVIENT agreed to remove me as a comaker/cobuyer as of XXXX when I turned XXXX .... as per a recent email from XXXX their was an acknoledgement that this is being done, i misplaced the email, only way i can retrieve if i do a system restore, nonetheless I need all three loans removed from the 3 major credit bureaus, my son XXXX is paying these loans on time. I am XXXX and I just want Navient to make good on their promise. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: KY

Complaint narrative:
Since opening my crypto.com account and putting in a total of {$7300.00} usd i was to have a 30 day grace period free of fees i am still in this fee free period. 
i noticed every time i sold a currency the amount i keep being short was about {$350.00} to {$400.00} dollars so i started taking screen shots of my account based on current trading price and enter a sale and at this point you can see what you will receive i take another screen shot whithin seconds and see the amount i will get. 
Everytime the short fall of funds are consistently short recent examples are all on the same cryto- {$400.00}, - {$390.00}, - {$390.00}, - {$380.00}, - {$400.00} These examples cover XXXX and XXXX and i will continue these tests. I have traded stocks and options for 30 years i understand volitity and effects on bull to sell orders but when the trend has been upwards its still a loss, The crypto i was referencing was SPELL crypto which was averaging {$75.00} million dollars over prior 24 hr period thats why i did several test of current balance to balance if i completed a sale which shows on sale screen. 
I feel there should be a limit sale offered to control your sell point to prevent this man. 
And there should be a human in their ccustomer service dept to talk with instead of a short list of Which of these are your problem. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2022-03-29 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2021 I hired a company XXXX XXXX  to move my stuff. However, they did a poor job, some of my important belongings were left behind. I had to ask my friend to assist. Even myself had to carry few things along with my minor. I disputed the transaction with capital one bank. I have been with this bank for many years they ruled against me. Although I provided a detail information over the phone and in writing per their request. Bank should be on my side. I hired the company for 3 hours they only worked for 1 hour and 45 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX {$14000.00} also XXXX XXXX XXXX {$18000.00} also XXXX XXXX XXXX {$16000.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief