vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: SC

Complaint narrative:
On XX/XX/XXXX I submitted a dispute regarding two student loans that have been paid in full and accounts closed as of XX/XX/XXXX. XXXX has them listed as open. XXXX is in excess of $ XXXX and one in excess of $ XXXX. All of my student loans ( a total of 14 ) have been forgiven by the Dept. of Education. XXXX dispute resolution returned no change in status. 

I called and spoke with a rep and was told I need to submit proof documentation. That THEY HAVE NO WAY OF CONTACTING ANYONE TO VERIFY. I had just hung up with someone from the Dept. of Education, by calling an XXXX number that is listed very clearly. 

On XX/XX/XXXX, I disputed these loans again w the documentation. Again, the loans were not removed. I called the Dept. of Education to ask if they could contact Experian bc I was having such a hard time. They sent me a different document and told me that Experian SHOULD BE CONTACTING THEM IF THEY CAN NOT UNDERSTAND WHAT IS SENT. 

On XX/XX/XXXX I submitted a third dispute with this document. On XX/XX/XXXX, the dispute was completed and I was not notified or able to see the results. When I called Experian, I was told that the original document sent to Experian in XXXX of XXXX was unable to be opened b/c there was an error message on the attachment. I told them that I have sent a copy of that document and I was told it has to be received from the originator and that I will have to contact them to resend the information. I informed him that the document IS from the originator. I was told that that document could be forged so it must come directly from the Dept. of Education. 

During all of this, they have also dropped my credit score XXXX points for no apparent reason. Nothing has changed at all other than my trying to resolve their issue of not removing incorrect information on their part. 

Experian distinctly shows their dispute services as THEY WILL CONTACT ANY COMPANY TO VERIFY INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 : XXXX XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX XXXX  # XXXX, {$960.00}, XXXX XXXX XXXX XXXX  # XXXX, {$1500.00}, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX {$1500.00}, XXXX XXXX XXXX XXXX # XXXX, {$140.00}, Has Violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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 : XXXX XXXX XXXX Account # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, Has Violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
i went through XXXX XXXX and got offers with different loan amounts & arp %. I spoke to XXXX XXXX XXXX XXXX. He said I was approved for a {$7600.00} personal loan with a 30.00 %. 
I told him about the loan offer I chose. 
" The loan offer I excepted online was {$2000.00} at a rate of 21.66 % '' He refused to give me the Original loan but offered {$2000.00} at 30.00 % and I refused it and they hit my credit score so NOW I can NOT get a loan anywhere!!!!! I wanted loan to LOWER my interest rate no raise it!!!!!!!!!! 
THIS IS WRONG!! 
Will there be anyway to repair the damage they did to my credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I have been working with Fedloan.org to certify my employment ( which has been the same since 2006, with the State of Michigan ). Now that I am getting closer to meeting the requirement to have my student loans forgiven, all of a sudden they can not accept my employment certification. This is causing more that a year of months not to count toward the XXXX. Their reason for not accepting the employment certification is that they saying it is not a valid signature from HR present. That that signature is 'typed ' and not a 'wet signature '. When I contacted HR for the State of Michigan, the indicate that what they have provided to me meets the 'wet ' signature requirements posted on the website at fedloan.org. In addition, they informed me that they complete hundreds of these form all of the time for employees and have never been told that they will not accept them. So I am not sure why mine is different. HR has completed two forms and fedloan.org will not accept them, which leads me to believe they are just looking for any reason to prevent me for qualifying for the XXXX. This is not fair. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
It was brought to my Attention XXXX XXXX XXXX on XX/XX/2021 reported an alleged debt of {$350.00}. I asked for proper validation documents and they failed to provide them. Then continued to report the inaccurate information to consumer reporting agencies. After knowing the debt was unverified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX ran my credit WITHOUT authorization from myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CT

Complaint narrative:
XXXX XXXX XXXX Department XXXX XXXX Bank XXXX XXXX my Statement of Account on XX/XX/XXXX - on page XXXX you will see that my account is enrolled in automatic payment and that my next payment would be drafted on XX/XX/XXXX. According to XXXX- they had a system update on XX/XX/XXXX which deleted my automatic payment. They then reported me as late to the credit bureau. They have admitted their error and sent me a letter that the late payment will be removed from my credit reports, however, Experian has not removed the XX/XX/XXXX late mark from my credit report even though the data furnisher has requested it. I have disputed the information with Experian and they did not make the adjustment. I am including a copy of the letter from XXXX 's that indicates they have requested the XXXX30 day late ' be removed from my credit report, as well as a copy of the XXXX statement that indicates I am still enrolled in automatic payments. 

XXXX did not provide an accurate account statement - XX/XX/XXXX statement indicated that my payment would be automatically debited, but XXXX cancelled the payment due to their system update ( the statement was inaccurate - a violation of XXXX XXXX ), and then reported the payment as late inaccurately to the credit bureaus ( a violation of FCRA ). Experian did not remove the late payment as requested by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Approximately 6-months ago ( according to staff ), Experian had a software issue that caused data loss on two of my credit cards, and all my Boost self-reported accounts. As a result, my credit rating dropped XXXX overnight! 

I contacted Experian several times to no avail. I also contacted the issuing bank, and they confirmed to continue transferring data to Experian. I also disconnected, and re-linked the two missing credit cards to Experian several times to refresh the connection.

Experian confirmed to have both missing credit cards linked, but no data is being collected to show my on my credit history, and all my self reported accounts are still missing on the Booster history. 

Despite my many calls and complaints, Experian has neglected my requests, and has not made real effort to remedy the situation. It has cost me a lot of time, effort and loss of advancement opportunities due to my inaccurate low credit score. 

I last spoke with Experian agents this morning ( XX/XX/22 @ XXXX XXXX ) and was given the following case numbers XXXX ( XXXX XXXX and XXXX ( XXXX XXXX, but no real solutions to my problem. Please help, this has been going on for too long! 

Sincerely, XXXX XXXX XXXX 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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3  % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team. 

Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week. 
It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 : XXXX XXXX XXXX XXXXt # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, Has Violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I had an account that went to collections with Argon Agency. Once I was able to pay I set up payment arrangements for said debt. We worked out some type of deal and I eventually paid the debt off in 2018. Now here it is two years later they are reporting on my credit that my debt was never paid off. The debt was paid off in the amount of the agreement but they never sent the remanding about to the company that I originally had the debt with. So basically they made a deal with me and once I paid it off they act like there was never a deal in place. They are hurting my credit tremendously and forcing me to pay the remanding about of the original debt if I want it off my credit report. I don't feel this is lawful at all and this company should be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Experian disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Experian disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, discovered charges on my JC Penney account that were not mine. Total of {$2500.00}. Some of these were made in mall in XXXX XXXX XXXX Florida. I am in Kansas, never been to Florida. All of the charges of been taken off, but one XX/XX/XXXX {$52.00}, on line order. Now there is a {$21.00} interest charged, which is not mine. On XX/XX/XXXX, I paid my charges in full of {$1300.00}, due on XX/XX/XXXX, confirmation XXXX. I want to completely close this account, will never have another charge card from JC Penney. I can't close this with an amount still due. JC Penney has sent 3 new cards all with different numbers, I have not activated the last 2. My account is locked. Changed my password and took all payment methods off, on line. The hackers changed all my contact information, Synchrony Bank changed it back 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 2022-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
When I walked in to the club and opened my health club membership, they told me I would only owe the initial opening amount, the first month, and there would be an annual fee per year for equipment fixing. She did it really fast on an ipad and I signed and trusted her. I recently had to quit the club and now they want another month payment and a fee of {$59.00} buyout option. They never disclosed this to me, there was never a meeting of the minds and this contract is fraud. If you read reviews on XXXX, many people are upset about this fraud, I am not the only one. I want to leave this membership without a fraudulent buyout fee.

Company response to consumer: Closed with explanation