vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have had my FEDERAL Loans forgiven that were issued for a BOGUS degree by DOE. Per CFPB, Private Loans discharged under XXXX  XXXX are not collectible. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX  XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX  XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX  XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX  XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX  XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies. They have illegally closed prior request to avoid refunding my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I submitted a payment paying off the credit card on XX/XX/XXXX which was well before the due date and I know there was funds in the account because I had recently deposited a large check that I had verified cleared before I made a payment. Capital one returned the payment on XX/XX/XXXX or XXXX and stated that I had insufficient funds when I did not, they also reported me as late to my credit bureaus. I called and asked why they did this and they said insufficient funds and I stated that I didnt have insufficient funds per the reason listed above and asked that they take the negative remarks off my credit as I have never been late on this credit card before and it they were going to return a payment that they at least call me and notify me so that I dont end up w derogatory remarks on my credit. I asked that they refund the {$25.00} late fee and remove derogatory remarks and they told me they were unable to do that which is false. So I need them to refund me the late fee and remove all the falsely placed late payment remarks placed on my credit. Then I will pay the balance of the card off once they make said corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have disputed several times on the information of the bankruptcy appearing twice on my report when my wife and i only filed once XX/XX/XXXX ... my wife is now deceased as of XX/XX/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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB # XXXX Additional Information Account is Paid Daste of Payment XXXX Account in equifax and XXXX has never been updated correctly. 

See attached : 1. original lease paperwork. 
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX. 
3. XXXX never updated account in credit bureaus and refuses to correct their WRONG information. 
4. Please have XXXX Companies who have changed their names several times since 2019 recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX & XXXX XXXX mine and my wife 's checking accounts were hacked when 2 unknown parties were able to open up accounts and transfer {$2500.00} and {$2400.00} out of our checking account via XXXX without our authorization. USAA investigated the issue and originally ruled in our favor on XX/XX/XXXX, restoring access to our accounts and XXXX refunded us the money. My wife moved the funds to another internal checking account within USAA just to keep it safe. Then on XX/XX/XXXX, USAA shockingly reversed their decision and not only rescinded the refund, but also charged us an additional {$5000.00} to the checking account my wife transferred the funds to leaving both checking accounts with a negative balance of thousands of dollars. After doing a review and a re-review of the investigation, USAA claims that there was no fraud, and my wife somehow willingly gave out her login credentials to these random people that we don't even know, which she did not do. We wouldn't even give out our credentials to other family members, let alone some complete strangers. I was originally told that when the investigation concluded that I could speak to one of the people who investigated the claim, if it didn't go my way, to review the evidence they had to support their claims. After the re-review concluded I asked to speak to one of the investigators and was denied. I recently read an article yesterday that the Texas state AG reported that USAA experienced a data breach back from XX/XX/XXXX to XX/XX/XXXX and shortly afterwards we were hacked. The report said thousands were affected and no reports on the location of clients who were impacted. I have been a member of USAA for over 18 years and have never been treated this poorly before. We are devastated and would like to see our accounts be credited the amounts that were removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On today XX/XX/XXXX I received an alert from my credit monitoring system that a collections account was added to my report. When checking I see the credit bureaus has added an account that I was never notified about on my credit report that has now dropped my score. I've never heard of this company at all and know that they do not have the right to add anything to anyone 's credit when they have not sent out a letter to notify me about this debt not giving time to request verification of this debt also not knowing if this company is even bonded in the state of Texas to practice debt collection. This was intentionally placed as a sneak attack and this company should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2023 I talked with Atlantic recovery solutions and offered to settle a debt. They brought up all the other debts I owe, including to XXXX  and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
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. 


has violated my rights. Or list of inquiries 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 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXXXXXX XXXX XXXXXXXX, I was in the process of buying a home in XXXX, S.C., the address was XXXX XXXX XXXX XXXX..I was buying it through my bank which is Bank of America . I was in his office XX/XX/XXXX at ( XXXX XXXX XXXX, XXXX, SC XXXX ) and he withdrew {$670.00} for an appraisal XXXX XXXX. After the inspection report I opted out of the contract on XXXX XXXX. The appraisal never went through. I ended buying another home, which I purchased for {$300000.00}. I put a down payment of XXXX, so I didn't need an appraisal.As of today I still haven't received my refund from the appraisal of XXXX XXXX XXXX XXXX , XXXX , SC . 

XXXX XXXX has been giving me the run around ever since. I have contacted the bank assistant XXXX and she stated I would receive a check in the mail since it was a debit transaction. Never received it and when I called her she told me to speak with XXXX XXXX. XXXX told he spoke to his boss XXXX XXXX about the situation and said they would take care of it. Waited a couple of weeks and still not resolve. I spoke to a representative in the bank about it and he told me he couldn't do anything about because the Mortgage company is a different division. He to told me to talk with XXXX XXXX about it. I spoke to him on XX/XX/XXXX and he said he submitted it again and waiting for approval. On XX/XX/XXXX, he texted me and said Just got back from vacation and been checking up. Your request is still in process not declined so that is positive but hasn't been approved yet either. Just wanted to keep you posted.Have other texts also. Tired of getting the runaround. If you can do anything would appreciate. 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IL

Complaint narrative:
In XX/XX/XXXX, I requested my Full File Disclosure from Checkr. In XX/XX/XXXX, Checkr finally provided my Full File Disclosure. Checkr is reporting inaccurate information in my background check. On XX/XX/XXXX, I submitted a Notice of Dispute with supporting documents to Checkr via certified mail ( USPS Tracking Number XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ), the deadline for Checkr to respond to my Notice of Dispute was XX/XX/XXXX. As of XX/XX/XXXX, Checkr has failed to respond to my Notice of Dispute and is in direct violation of the FCRA. In addition to certified mail, I have called Checkr multiple times to request assistance, however, Checkr refuses to answer their telephone. I have emailed Checkr multiple times, however, Checkr refuses to reply to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
This is incorrect and not mine, I've told them for several years now FIDELITY CREDITORS SVC Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and XXXX and Transunion I demand to be taken off in 4 days and to stay off my report 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 non-monetary relief
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and Equifax and XXXX I demand to be taken off in 4 days and to stay off my report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My complaint is with Chime. I transfered {$160.00} from my XXXX XXXX to my chime about a month ago. They immediately suspended my account. I have done everything they've asked of me. I submitted documents 3 times and when I reached out to stride bank they said they would resolve it about 2 weeks ago. I contacted chime today. They closed ny account while I was on the phone. They said they would help and even had me submit documents again. Now they want me to wait another 30 days to maybe get a check sent. I don't understand why they can't just reverse the money back to my XXXX  XXXX. I can't afford to wait another month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Dear XXXX : Pursuant to my rights under federal debt collection laws ( FCRA ), I am requesting that the above-mentioned account be removed from my report. 
This account is fraudulent because I left at the end of my contract year and did not renew the lease. Recently I called National Credit System to explain that I did not owe the amount and that they are reporting it twice. They said this was owed because there was damage to the apartment, which is not true. We left the apartment in perfect condition and totally clean. They made an offer of {$2700.00}, which I refused since I do not owe, XXXX XXXX Apartments any money. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX This account is being reported to my account and my wife 's account. 
We are XXXX  speakers and are working with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
CFPB # XXXX Additional Information Account is Paid XXXX of Payment XXXX Account in XXXX and XXXX has never been updated correctly. 

See attached : 1. original lease paperwork. 
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX. 
3. KIA never updated account in credit bureaus and refuses to correct their WRONG information. 
4. Please have KIA Companies who have changed their names several times since XXXX recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.

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 2023-07-06 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: NY

Complaint narrative:
When determining a fair resolution to the issue youve described, several factors need to be considered. While I dont have all the details of your specific situation, here are some general suggestions for a fair resolution : 1. Refund or Compensation : A fair resolution may involve receiving a full refund for the purchase amount of the defective product or receiving appropriate compensation for any financial losses incurred as a result of the companys actions.

2. Replacement or Repair : Depending on the nature of the product defects, a fair resolution could include receiving a timely replacement of the defective product with a fully functional one or having the company bear the costs of repairing the defects.

3. Improved Customer Service : A fair resolution might also involve the company improving its customer service practices to ensure better responsiveness and timely resolution of consumer concerns in the future. 

Its important to note that the resolution should aim to address the issues you faced and provide appropriate compensation or remedies to restore you to a reasonable position had the issues not occurred. The CFPB will evaluate the specifics of your case and work towards a resolution that is fair and reasonable for all parties involved.

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 2023-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: NY

Complaint narrative:
The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.

Company response to consumer: Closed with explanation