vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
In 2014, XXXX, XXXX XXXX withdrew funding for my degree at XXXX XXXX University in my senior year, giving no reason other than their lack of belief that I would be able to pay the loans back. I was forced to drop out in my last semester, incurring high fees, and rendering my college transcript unable to be released. I was unable to make the initial payments, which were over {$1000.00} a month for a balance approximately {$38000.00}, and consulted several lawyers, who advised me to " save up money and settle '' and that " there was not hope for private loans ''. I was unadvised of any kind of income based repayment plan, and was simply told that Sallie Mae doesn't do that. I have spent several years searching for a job that provides more than subsistence, but due to my lack of a degree, and in a relatively high unemployment field ( Music ), I have accumulated a significant portion of debt. I am now being sued in 6 lawsuits by the company, but I have no accumulated assets, nor skills and have been homeless for the better part of the last 5 years. They have coerced my father into withdrawing his XXXX, and to taking assets they have no access to, and using them to pay the debts. My mother and father were cosigned onto the loans, and my mother has since passed on. I have no legal rights, and was not of legal age to begin sign for my own loans at the time that I started ( XXXX XXXX, at the time ). I was not given a chance to defend myself. Sallie Mae is a predatory loan company and needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I'm call to report and egregious act against my character. I am a business owner and the misreporting on personal credit is causing me to a hardship as I'm unable to get the credit needed to further expand my business. Genesis FS card services have placed 3 late payments on my credit report, I have fully complied with every request for payment they all my information to do bank checking withdrawal, and each they come back with my bank declined transaction. I have verified with my back that know such transactions exist. I have summited a letter from my bank along with three months bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My mortgage was transferred to Mr Copper/XXXX at the end of XX/XX/XXXX beginning of XX/XX/XXXX. I got the welcome packet beginning of XXXX but my XX/XX/XXXX statement never came.I called and asked why and they said it was coming in XXXX because my loan was transferred. XXXX came and they lumped XXXX and XXXX payment into one statement. That statement didnt come until XX/XX/XXXX. I currently dont have XXXX statement? I called again and was told it has not even been sent out. The mortgage company is deliberately not sending a statement it sending it out late?? My law I have no fees because my mortgage was just transferred but they are not and have not tried to tell me why in XX/XX/XXXX my statement has not been generated or sent out?? Its fraud and a way to try and eventually get late fees or make me pay online. I pay my check the first 3 days of each month and have never had a problem with any other lender. Im at a point where if XXXX Statement is late Im hiring a lawyer!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX  XX/XX/XXXX Account Number XXXX XXXX  XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: FL

Complaint narrative:
This to complain regarding a debt collector agency by the name of XXXX  phone number ( XXXX ) XXXX. My wife received a text regarding a debt and some account requested to be block. Not sure if is fraud or a real collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There are accounts opened in my name that I never opened or authorized.

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 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
XXXX XXXX stopped sending us bills and by the time we realized it 3 months later they had turned us into a collection agency. We are paying them {$100.00} a month for a {$1400.00} debt. Now theyre calling multiple times a day including early morning and late night. The message says its XXXX XXXX or XXXX at MCM. He leaves this number to call. XXXX Theyre harassing me all day and now want it paid in full instead of the {$100.00} a month we originally agreed on. Any help would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-18 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To SUNTRUST XXXX on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my [ XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give you written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with SUNTRUST XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SUNTRUST XXXX for review or collection., under the FCRA XXXX Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C . 1681n ( 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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
This is a medical bill that was sold to a bill collector, suspect representatives, XXXXXXXX XXXX XXXX XXXX XXXX XXXX bought this debt and sold to another collection agency, who sold the loan again to mid XXXX. I never did business with XXXX XXXX and I was threatened to pay by telling me it will ruin my credit. This is the only discrepancy on my credit for a reason, because it was a fraudulent action, initially created by XXXXXXXX XXXX XXXXXXXX. Why isnt the question being asked what is the actual debt? Are they claiming to be a credit agency? Do they have my signature on any documents? I can not get this company to act professional for a reason, they are being fraudulent. This has been changing names for more than 10 years so this never will be removed from my credit. Its a medical bill that was bought by a collection agency and the collection agency changes debt collector every 7 yrs. This is a matter of principle. I tried over 10 years ago with XXXXXXXX XXXX XXXXXXXX they threatened everything under the sun. Yet they are a collection agency that resorts to illegal actions to get a collection paid. Even if it means to lie about the true debt which in this case was a doctors office who put in insurance paperwork late, and I changed insurance companies so they sent me the bill. Which I didnt pay because I had insurance at the time of the visit. The doctors office made the mistake and filed late paperwork, and they didnt get paid so they came after me. I ignored the bill from the doctors and next thing I knew XXXXXXXX XXXX XXXX XXXX aka bill collectors threatened to ruin me. Since it was a medical bill I didnt see how they could accomplish ruining my credit. But they did apparently and resold a medical bill as a debt. I made this statement twice now on record with credit bureaus. Keep in mind this has been going on for over 10 yrs so I no longer have these threatening letters from the collection agency aka XXXXXXXX XXXX XXXXXXXX or the doctors bill. So XXXX XXXX out of luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act. I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. XXXX Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-02-18 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: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached document ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a response yet from Equifax XXXX I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX CORP-Date of XXXX XX/XX/XXXX XXXXate of inquiry 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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: GA

Complaint narrative:
XX/XX/2021 XX/XX/2021 XXXX and XX/XX/2021. I contacted AR Resources about this debt. I requested a HIPPA release form with the original signature as well as the Original signature on any MEDICAL bill. AR Resources has yet to send me proof of my original signature or the HIPPA release. AR Resources and the credit reporting agencies are in violation of federal laws. I am requesting that my name and information be deleted from this company. They have placed 9 negative marks and comments.I have also filed disputes with all of the credit reporting agencies including the FTC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
hello i ready make a complaint with you against robinhood XXXX market before. the reason why im going another complain is because they stilling my money they lock my account a year ago when i used to have 10,000 dollars or more on profit but today in day drope to 2,800 dollar because i wasent allowed to take my money out..i been sending email plus email asking about my money and they never have the right answer even i get call frome they customer service and all they do is telling me they have nothing else to do because my account its cloused... the reason they cloused my account was because some unemployment money went XXXX XXXX  my account out no where i have no idea why and who money was that but they reversed the money back and still lock my account ... so the other day the reopen my account just for me to take XXXX but my question is where is my XXXX that i have left over because they sold all my share i will send you all proove of what im talking about ....

Company response to consumer: Closed with explanation