vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have tried to work with Sallie Mae, I fell very sick in Fall of XXXX. Continued to decline in XXXX of XXXX and began receiving treatment at XXXX XXXX. I was still in school trying to attend my classes virtually all while dealing with my sickness. Prior to XXXX I was a healthy college athlete on an XXXX and XXXX XXXX at my university. In XXXX of XXXX my care was transferred from XXXX XXXX XXXX XXXX XXXX, whom I am currently under their care. I am still in and out of the hospital every month, trying to get better. I have called Sallie Mae several times, in which they told me the only thing they can do is put me in a repayment plan of {$350.00} a month. I am not working, my parents are covering my extreme medical bills, and I can not afford this! I explained that to them, as well as my mother. She even told them if they could do {$100.00} a month, she would try to find a way to pay that despite all of my medical bills that they are paying for me. I am going back to college in Fall of this year. I did not lose my XXXX or XXXX XXXX. Sallie Mae did not want to work with me. I explained my financial situation along with the fact that I am going back in the fall, coupled with the fact I am not losing my scholarships either. They told there is no way they can help me despite my current medical situation other than paying the large sum of {$350.00} a month. This is discriminatory as I can't help my medical situation, but if I die the debt is no longer there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Victoria Secret is reporting a charged off account on my credit reports that I have been disputing with them. I requested documents from them pertaining to this account and have not received or heard anything back from them and it has been well over 30 days. Per the consumer laws, it is my right as a consumer to dispute and address any creditor reporting inaccurate accounts or information on my credit report and it is their responsibility to acknowledge my dispute and conduct a proper investigation into the dispute. Victoria Secret is in clear violation of my rights and I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to Navient on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Have had a lot of un happiness with Citi Bank they have been my worse nightmare to deal with I wanted to close my account its been over one month and was told it can take over 2 months to close not sure what is going on the treatment has been horrible not wanting to help me close my account and get my refund back to me and not wanting to give me the promo that was offered.

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 2023-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received alerts from my current credit card regarding a hard inquiry and a change of address from Bank of America done on XX/XX/XXXX. The address reported does not belong to me nor I applied for a credit card on this date. I reported this incident to XXXX and Bank of America on XX/XX/XXXX and XX/XX/XXXX. However, on XXXX I received an alert again regarding a different inquiry done on this day. I did not apply for a credit card on this date either.

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 2023-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I have mortgage through Loan Depot. I have never missed a payment. For two months, I split the payment trying to save on interest. I was informed that I could not do that without prior permission. On 3 different occasions, I called their customer service to fix the issue. All three times I was told the issue had been resolved, the monies transferred from principle payment back to mortgage payment, however, I keep getting notifications that I am XXXX delinquent, which I can prove I am not, AND I keep getting charged with late fees. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ), but Loan Depot isn't doing anything to fix the situation. They said the called me, which not true at all and when I call the escalation number they sent, nobody every answers and nobody calls me back. 

I need someone to help me, I can't affort to throw away {$1300.00} because this company is bad at math.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXXXXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Wanted to get a loan for about up to XXXX they told me Ill get approved but I was denied.False advertisement then I went to the bank and filed a complaint.I was told its nothing we can do!!! you was denied cause account was open long enough

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied online for a lowes/synchrony credit card. I provided all the required information including a biometric scan and images of both sides of my State issued drivers license online. 
I received an error message that said I needed to go to a Lowes store and apply which I did. The store personnel did not request the biometric facial recognition data or the copies of my drivers license and they informed me that I was denied. 
I have more than 10 C d accounts and a RoomstoGo/Synchrony account all in good standing. 
Now I am being told that Synchrony can deny credit for any reason they so choose. This is a direct violation of The Fair Credit Reporting Act as it is worded. 
I need to know if I can expect this kind of disfunctional credit assessment due to unannounced changes to lending policies which do not mention that this new requirement can be used, even when it doesn't work properly online or in store, to deny credit to a perfectly credit qualified individual.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached letter from XXXX XXXX as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
INCORRECT INFORMATION IS IN MY REPORT. XXXXXXXX XXXX XXXXXX/XX/2021 {$37000.00}.

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 2023-03-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has recieved my previous FTC report and has given me a confirmation number for deletion of inquires but they have not been deleted! I demad these be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Date : XX/XX/XXXX2023 Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXXXXXX XXXX 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX GA

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Afternoon, I had to renew my lease on XX/XX/XXXX and when I did my leasing office pulled a report from a Equifax website that lenders, banks, landlords and employers use to report information. Well my leasing office uses this website and pulls info, well the info reported about a employer ( XXXX XXXX ) c is incorrect. I reached out to Equifax to dispute the info but the reps that I spoke advised that there was no employment history listed on report to be disputed or removed. I then advised about the the verification website and he could not help he did not know what I was talking about. I then tried contacting their corporate to speak with someone for 5 days straight to get info corrected. Either I got a different operator and they were EXTREMELY RUDE and kept wanting to transfer me to the regular customer service line even after I told them that they could not help me or every option I chose the voicemail stated that they were in a meeting. The reps in corporate yelled and cursed at me numerous times as well as hung up in my face. I even filed a complaint with the XXXX and was advised that they can not help me either so at this point I should not be just stuck without a resolution because if the info is not corrected I could be put out because I can not afford the increase or the back rent amount approx {$1800.00} they want me to pay based on info on website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MOHELA
State: KY

Complaint narrative:
I requested a refund of voluntary payments made during the pandemic in XX/XX/2022. 
I was told that they could not provide me with a confirmation number or any specific details about my request, however they did provide me with the amount coming back to me. 
It is now XXXX, and I still havent received anything. Was told today this shouldnt take longer than 60 days and asked if I wanted to be transferred to resolutions. Have been on hold with them ( is this a real department?? ) for XXXX and counting. 
I understand MOHELA is getting the bad end of the student loan reform deal but they need to process these refunds for voluntary payments made in a timely manner. This is a federal program and MOHELA needs to adhere to the rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There is a collection on my credit report reporting I owe them {$1800.00}, I have NEVER met with or NEVER SIGNED A CONTRACT with them I was NEVER notified of this either! I also see on my report it is also reporting it being opened, this is a collection that is violating my rights to ACCURATE information being reported to my account. 
Also In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In trying to settle my credit card debit with this company they make it purposefully difficult and did not offer fair settlements

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a mail offer from Citizens Bank. The mail offer says I should receive XXXX XXXX  for opening an account with a direct deposit. I did so and set up a direct deposit with greater than XXXX XXXX. Until now, I have not received the bonus of XXXX XXXX.

Company response to consumer: Closed with monetary relief