vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
A debt collector by the name of XXXX XXXX XXXX also known as Roosen Varchetti and Oliver sued me and obtained a default judgement against myself and proceeded to garnishing my wages on debt that was never verified. I received notice of the garnishment XX/XX/XXXX without receiving a summons for the garnishment more than 3 days after date of service. XXXX XXXX purchased my account from the original creditor and the creditor never sent notice of this information nor did either the creditor or debt buyer send me in writing proof of a deficiency balance, and they never verified the debt with myself and I have reached out to the debt buyer to advise of this information and filed a motion on the underlying judgment to stop the garnishment in which I was required to mail to the debt collector as well. Debt laws require verification of the debt to be sent to the debtor before pursuing the debt or collecting on said debt. XXXX XXXX failed to prove they own the debt or why I owe them more than {$8900.00} + {$1000.00} in interest fees and it makes no logical sense nor have they provided documentation proving the debt. I also filed a bankruptcy in which I received a discharge yet they were able to bypass this and garnish my wages. I called XXXX XXXX XX/XX/XXXX to let them know they are wrongfully collecting on debt that was DISCHARGED and debt that was never verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc.
State: CO

Complaint narrative:
On XXXX XXXX ( XXXX XXXX XXXX made an offer on a home at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I also stated to the lender XXXX XXXX XXXX Mortgage that I would need down payment assistance. The offered-up XXXX XXXX had a program for me. Through the course of the Loan Process i have asked XXXX XXXX on his recorded line do I need to get closing costs, XXXX stated that Fannie Mae would take care of all closing cost. I believe I have had XXXX different mortgage companies over the past XXXX weeks. I pulled my XXXX money to pay for the Appraisal, Home inspection, and XXXX money, I borrowed XXXX from my parents and when I received XXXX monies i returned the XXXX back to my parents. My original date to close was XXXX, but due to a form not being filed it was pushed to XXXX no explanation given. During this whole process i continued to ask XXXX if I were going to need any monies for closing, he assured me I would not. On XXXX XXXX XXXX from XXXX XXXX emailed me and stated i would need XXXX for closing costs, and XXXX in reserve and show proof of how monies were obtained, before closing on XXXX. I have emails between myself and XXXX locking me into a XXXX XXXX XXXX, XXXX XXXX he has me Locked in at XXXX XXXX. I have documents showing i signed a XXXX XXXX  loan estimate. I also have the XXXX XXXX estimate unsigned document. XXXX stated in an email that i am now at XXXX XXXX he needs to provide that documentation. Over the course of the XXXX weeks i have watched my loan payment grow by almost {$600.00}. i was instructed to take a XXXX XXXX course in the course there is a XXXX calculator after doing it XXXX XXXX said i was only eligible for XXXX dollars, my purchase price for this home is XXXX. I can not come up with the XXXX closing cost, and the XXXX in reserve in a three-day period. an in accordance with XXXX XXXX I should not even be buying this property. I have been given misleading information this whole process, i have emails and correspondence to back up my claim, XXXX uses a recorded line when you call his office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
a copy of the credit report showing the past due balance of {$25000.00} to Regional Acceptance Corp. Their phone # is ( XXXX ) XXXX. After a XXXX XXXX was filed in 2014. Why is it showing on my credit report past due? Car was returned.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am charged XXXX interest with PayPal Credit and am paying off one of their loans. 
I set up 2 payments for {$150.00} one to clear right away on XX/XX/XXXX and one to clear on XX/XX/XXXX or so to get more payments on the loan to eliminate it. 
I had to cancel the XXXX payment and they cancelled both. 
I was charged a XXXX fee for a XXXX payment, which again due to their bad website triggered two cancellations. 

I would like to get the fee reimbursed to me.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

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 2022-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2022, I applied for a credit card account with Discover. This was my first time applying for a credit card ( I just got my SSN ) and my credit card application was supported. And after that, I also signed Form 4506-C, but on XX/XX/2022, I was notified that my account was closed because Discover could not verify my personal information. I can guarantee that I filled in the correct information, but my card is only kept for two weeks, which will seriously affect my record as a credit novice, and it may be difficult for me to apply for this credit card again.I don't think it's my fault, and Discover damaged my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

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 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
on XX/XX/2022 a written letter was sent to Phoenix Financial via Certified Mail requesting Phoenix send me a debt validation of this account. I never receive any written notification prior to them reporting this alleged debt on my credit reports. And they never reply to my letter written back in XXXX to prove this is my debt. I have proof they received my written request because they signed for the certified mail concerning all of my request which you will find with this official complaint. So my final request now is for Phoenix to delete this account because they have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan was scheduled to be forgiven by Fedloan XX/XX/XXXX ( this is without the missing counts on my account-additional forbearance waiver being applied, which wouldve forgiven my loans sooner ). I had contacted this company many times via their email portal, and even via the FSA site, to plead with them to keep my file with them so that I wouldnt have to restart the process with XXXX. I have learned from both FSA and via other folk awaiting forgiveness that Fedloan had the power to decide to hold on to loans nearing forgiveness. I thought for certain I would be one of them as several people have stated that they received letters stating they were NOT going to be transferred to XXXX and would stay with Fedloanthese are people with whom I share similar or exact timelines. Do you know what happens to those of us who transferred to XXXX, with only 1 or 2 months before reaching forgiveness? Our counts reset to XXXX, as XXXX has to REVERIFY all of the counts that Fedloan already did! The timeframe for this is anywhere from 60-90 days. 60-90 DAYS!!! This means that those of us expecting forgiveness in XXXX, XXXX, or XXXX may have to wait until XXXX, when loan repayments begin, to be forgiven. My current count is 118 of 120 ; I will have to resubmit a new XXXX form to XXXX. I am currently in PSLF purgatory ; my loans have been transferred from Fedloan to XXXX but I am unable to create an account at XXXX because they dont OFFICIALLY have my files. This streamlined version of PSLF is a total XXXX-show!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. Wells Fargo, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.

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 2022-09-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have an American Express card, setup with Online Banking. Online Banking contains information associated with XXXX of my checking accounts housed at XXXX separate banks although the account is setup for auto-debit for the monthly balance in full payments. 
AmEx has a product call Send & Split with XXXX. I do not know exactly how this product works nor have I ever set it up for my card. 
This complaint is unusual because it doesn't have to do with a charge to the credit card but with payments to the credit card. Also concerning is the lack of consumer protection when it comes to fraudulent online access. 
On XX/XX/XXXX I recvd a call from AmEx XXXX XXXX XXXX questioning an attempt to send {$2000.00} to XXXX. I advised them I had not authorized nor had I initiated this. Determining it was fraudulent, AmEx shutdown my credit card, requested a new card, and sent me a temporary password in order for me to reset my online password. Prior to the {$2000.00} transfer attempt, there were XXXX payments to the AmEx card initiated via XXXX Banking. {$4000.00} from my XXXX Bank account and {$4300.00} from my XXXX account. This would have eliminated my AmEx balance but it also caused my checking accounts to become overdrawn. On this same phone call I was transferred to customer service in order to discuss the return of the {$8300.00} to my checking accounts. I was advised by AmEx customer service that until I receive my new card and give them the XXXX digit code on the back, this could not be done. The card is not due to be received until XX/XX/XXXX... XXXX days from the day of the phone call!! 
On XX/XX/XXXX I received an email from AmEx that my Online access was suspended due to excessive unsuccessful attempts. I phoned AmEx and was directed to the ID protection team. I was disconnected. I phoned back XXXX more times. After the XXXX attempt I successfully discussed the issue. The representative stated they could not review my online account activity until I receive my replacement card and give him the XXXX digits on the back! We discussed how my online account could be breached. He stated when someone has all the card info they can access the AmEx website, get the User ID and then reset the password. I'm shocked! No additional authentification measures? 
So here I sit, embarrassed with overdrawn checking accounts, no ability to access cash via ATM, and absolutely no attempt on AmEx 's part to resolve the issue. AmEx essentially stole money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I want to contend with the school that there should not have been a loan because I used XXXX  and XXXX program. If I can't regain loan funds I should regain XXXX  XXXX benefit and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


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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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

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