vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: NY

Complaint narrative:
I have an {$85000.00} private student loan from Navient, but at the of the application in XXXX, it was called Sallie Mae. The loan had started out at around {$40000.00} and has grown so much. I have not received any communication about my loan being canceled from Navient 's big lawsuit in XXXX. My main issue is that I have a co-signer and need to remove them but Navient makes it very difficult. From XXXX, I made 12 on-time payments of about {$1000.00}. This was one of the requirements to remove my co-signer from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX  TX XXXX ( XXXX ) XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-02 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
A credit card was opened in my name on XX/XX/2023 I did not authorize to open. The credit card was opened under comenity bank ( XXXX ) a bread financial company. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at XXXX credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX 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 State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: World Acceptance Corporation
State: IN

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX 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 State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
I DONT NO WHO THIS COMPANY I HAVE NEVER DONE BUSINESS WITH THEM THEY ARE CONTACTING MY FAMILY MEMBER LOOKING FOR ME I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My current house was financed through XXXX XXXX, and I have been with them for almost two years. I was always on time with my mortgage and never missed a payment. I put my mortgage on auto-pay, and the money comes out of my account every 1st of the month. However, the company XXXX XXXX XXXX XXXX transferred my loan to a new company called Carrington mortgage services , LLC . I went on leave out of the country from the end of XXXX to XX/XX/2023 ( I have my military leave form to prove it ). I was away for almost two months. I came back on XX/XX/XXXX. So today, on XX/XX/XXXX, I was expecting the mortgage to be taken out of my account, which did not happen. So I started going through my transaction history when I noticed that XXXX, XXXX, and XXXX payments were not made, so I immediately called the XXXX XXXX mortgage, who transferred me to the Carrington mortgage services , LLC . They said they have been trying to reach me through the phone, but there has been no response. So they went ahead and submitted a bad credit report that will affect my credit score in the future. The fact of the matter is that I never received any calls from them, and when I found that there was an issue Immediately called to solve the issue. I tried to avoid missing payments, so I set an auto pay. I want this negative credit report removed from my credit because I did not intentionally miss my payment ; I thought the payment was still going through until I found out today that it was not. I immediately called to fix the situation. There was a communication problem during the transfer between the two mortgage companies, and it would be unfortunate for me to be penalized for something I did everything to prevent. I appreciate your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XX/XX/XXXX, My son called property manager of apartment complex to get Security Deposit, leasing agent told him we owe money. The keys to the apartment was returned on XX/XX/XXXX. XX/XX/XXXX the collection agency sent my son an email stating that we owed {$7100.00}, I did not receive an email and I am the primary signer on the lease. The email did not state my rights to dispute or that I had 30 days to dispute, as state I did not received notification by mail. In the invoice there was a list of charge There was a list of charges with no explanation which months rent and expenses are collected/owed. The line items with amounts that are not factual and the write off Charges do not have description just numbers/amounts with negative or positive signs. The line items must have a description to determine the validity of the amounts, there are number but the same amount has a different number ( {$2200.00}, has XXXX, XXXX, XXXX ) which listed in one area as based rent ; this item must always have the same number code assigned even if different month. Utilities cost more for 20 days than entire month. Rent amount is {$1800.00} which included trash pick up, water, insurance. 
Sewer is billed from an outside company at rate of approximately {$50.00}. 
Water cost more for 20 days than for 30 days This debt is fraudulent, the apartment complex received payment as stated in the judgment issued XX/XX/XXXX and it was for five days of rent. No court filing were made after XX/XX/XXXX. 
GENESIS CREDIT MANAGEMENT LLC, has this amount as owing rent and is listed when my name is search on the internet, which lead to myself and my son not being able to rent an apartment with this collection on my credit report. Genesis Credit did not file any legal complaint against me or my son which violates FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear CFPB officer, I opened the Citibank checking account on XXXX by signing up the welcome bonus offer that pays {$1000.00} if I deposit {$75000.00} and maintain it for 2 month. I received the offer confirmation email on XX/XX/XXXX, I deposited XXXX on XX/XX/XXXX, according to the offer I should receive the bonus {$1000.00} no later than XXXX, however I still have not received any thing. I called citi customer support many times and each time they can confirm that Im indeed qualify for the offer, they submitted a claim within their system, saying I can get a result in 5 days, Ive been waiting for more than 15 days and still no response. In the meantime I started searching the internet for this matter and it looks like some other users have faced similar issues before. Now I feel like I fell into a scam, especially now I cant even transfer all my {$75000.00} out at once. Citi lured me to deposit all these money with no interest and declined to pay for what they promised. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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.

15 u.s.c 1681c. ( A ) ( 5 ) section states no consumer Report containing any the following items of information other then records of convictions of crime which antedates the report by more the seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows reasonable cause to believe that the information is inaccurate.

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 2023-03-02 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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.

15 u.s.c 1681c. ( A ) ( 5 ) section states no consumer Report containing any the following items of information other then records of convictions of crime which antedates the report by more the seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows reasonable cause to believe that the information is inaccurate.

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 2023-03-02 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that not only doesnt belong to me. It shows debt buyers account for account type it also has a date opened of XX/XX/XXXX with a delinquent date of XX/XX/XXXX Im not sure how an account can be delinquent 2 years before it was supposedly even open Midland Credit Management is also reporting inaccurate Information that does not belong to me Also reporting as a debt buyer with a date opened XX/XX/XXXX and a delinquent date of XX/XX/XXXX 1 year prior to questioned account being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: DC

Complaint narrative:
XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud. 
Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous

( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.

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 2023-03-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : 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 explanation
Consumer complaint received 2023-03-02 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my credits 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) STATES ; NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION. OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
To whom it may concern ; On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX Honda. After a couple of test drives of the various Honda Accords with my XXXX person XXXX XXXX we began crunching numbers. I was already pre-approved with XXXX XXXX {$41000.00} at 5.01 % interest, but we negotiated back and forth until the XXXX XXXX said he believes he can beat the APR rate, plus you wouldnt have to begin making payments until XXXX. However, I didnt want to go over {$500.00} per month. It was then explained to me that I can do a refinance after 6 months which would probably bring my payments down to where I want them. I then went to see XXXX in finance to complete my paperwork. XXXX insisted on me getting GAP insurance and as he explained the Pros and Cons, especially since this was a brand new car with XXXX miles on it I agreed to the GAP insurance, as XXXX and I closed the deal with a payment structure of XXXX per month for 72 months. I asked about any paperwork prior to leaving and he said everything will be emailed to me. 
I have been reaching out to XXXX XXXX Honda since the end of XXXX to now about a payment booklet, sells contract on where to send payments and I was always given the brush off ; Well call you back or where aware of the situation. The last person I spoke with, XXXX XXXX on XX/XX/XXXX from finance  was going to email me my bill of sells but that didnt happen, nor did I get a call back as promised. Now it is XX/XX/XXXX my temporary tag expires tomorrow and I need to rectify this situation immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation