vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including Equifax, XXXX, and XXXX. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the Equifax, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets Equifax, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and Experian. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the XXXX, XXXX, and Experian. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets XXXX, XXXX, and Experian know that I no longer have this debt. 

Thank you, 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 2023-02-27 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: MOHELA
State: TX

Complaint narrative:
Hello, Effective XX/XX/XXXX my student loan balance was waived through the MOHELA student loan servicing provider under the Public Service Loan Forgiveness Program.

The problem is MOHELA has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and XXXX. 

I emailed MOHELA through my online account on XX/XX/XXXX asking when MOHELA was going to report this new financial information to the XXXX, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if MOHELA lets XXXX, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, 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 2023-02-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # XXXX, XXXX : Account # 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 an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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 2023-02-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # XXXX, XXXX : Account # 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 an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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 2023-02-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # XXXX, XXXX : Account # 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 an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 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 2023-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX, I was told by a Discover Student Loan supervisor that I must pay a {$200.00} past due amount on my account in order to be considered for forbearance as I do not have a job to reliably pay the loans back. I made the past due payment and then was told to call back in the next 24 hours to discuss the forbearance option. I would call back then to do so but to my unpleasant surprise I was told that I actually needed to have a past due on my account in order to be considered for forbearance or any form of pause to the payments. The agent I was with even shared her confusion with the whole ordeal and said they would file a complaint but I have not had any sort of remedy or at least an explanation as to how this could even occur. I had to wait for my account to get past due again just to have only a 1.5 month pause on payments. Considering I was in contact with a supervisor at the time I made the past due payment, this can not be seen as just a simple and even acceptable mistake. I spent {$200.00} for nothing when I could have used that for other expenses. Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I'm currently working with XXXX XXXX to help me repair my credit and reduce my obligations so I can secure mortgage financing through the VA to get stable housing for my family. I'm the primary wage earner for my household and my credit tanked when I was on XXXX for XXXX XXXX XXXX. I'm currently stressed and experiencing physical symptoms of anxiety knowing I may be going back on XXXX again. The loan I have an issue with is with Lendmark Financial in XXXX, PA. I'm being charged 25.75 % interest and have paid them over {$4700.00} in the past 15 months and only {$760.00} has been applied to principal. XXXX recommended I use the little bit I have available in my XXXX and asked for a settlement to stop their collection harassment and get on pace to get my VA mortgage. My payoff on the original {$12000.00} loan is currently {$11000.00}. XXXX, the branch manager stated that my offer of settling the debt for {$9000.00} is in line with what has been approved for others in the past. For my request, I was denied claiming they can not settle until my income is impaired. I don't feel I need to give them additional pay stubs or wait until my income is reduced to settle if they have offered settlements similar to others who are using debt relief programs. I also have been subject to arbitrary fees. When one of my two vehicles used as collateral was totaled and insurance needed my title, they were requesting I pay an additional {$2000.00} to get the title back. They agreed to me just paying an additional loan payment of {$400.00} for them to release it. 

I feel I'm being taken advantage of and want them investigated for unfair lending and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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

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 2023-02-27 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:
In accordance with the Fair Credit Reporting act XXXX  Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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:
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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I've tried to lift an existing credit freeze with Transunion both online ( daily since XX/XX/2023 ) and via the automated phone service ( XX/XX/2023 - 4 times ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - 3 times ). I either get an error message on the website ( " service temporarily unavailable '' ) or an error on the automated phone service ( " request can not be completed at this time '' ). I've tried to lift the freeze by speaking to customer service representatives, who request full SSNs and my PIN every time. I am not comfortable giving that information to a person when I have already verified it in the phone system prior to reaching a customer service representative. I have also been hung up on multiple times, lied to about when the automated systems will be online again, and was refused transfer to a manager or someone who can speak knowledgeably about the technical issues their site and phone system are experiencing.

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 2023-02-27 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: EQUIFAX, INC.
State: IL

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. 

XXXX # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, 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 an 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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 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 an 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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.

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 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I purchased a car with BMW of XXXX, VA, back in XX/XX/2022. It is now XX/XX/XXXX and I still have not received a tag or registration for the vehicle. I have contacted the dealer several times to attempt to resolve the issue to no avail. The vehicle is no parked as it has an expired temporary tag and it would be illegal to drive. To me, the contract and loan terms have not been met because I paid for tax, tag, and titling fees. I'm beginning to worry that there may be some title issue preventing registration. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I BORROWED {$34000.00} FROM GM FINANCIAL ON XXXX GM HAS SENT ME A LETTER STATING MY LOAN TERM IS 61 MONTHS. HOWEVER, MY LOAN TERM IS 60 MONTHS PER CONTRACT EXECUTED. GM HAS NOT RESPONSED TO MY COMPLAINT ON THIS MATTER AND IS ATTEMPTING TO OVERSHARGE ME BY 1 MONTHLY PAYMENT. I WOULD LIKE THIS RESOLVED ASAP BY GM AND EXPLANATION FOR THIS ERROR. I ALSO CONTACTED TH DELAER WHO DID NOT RESPOND TO MY ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
We've been eligible to remove PMI on our mortgage since XXXX or XX/XX/XXXX. We made an original request to Specialized Loan Servicing LLC in XXXX and was told we would receive the required paperwork in the mail and the request would take XXXX weeks to process when returned. We never received the paperwork so we followed up on XX/XX/XXXX and was told that we can deliver signed documents over e-mail to proceed with the request. After doing so, there was no confirmation of receipt -- just radio silence. 

Upon finding PMI charges with our mortgage payment in XX/XX/XXXX, we followed up via e-mail and received no response. We then attempted calling customer service on XX/XX/XXXX who could not forward us to the appropriate department due to a 'system error ' but gave us a direct number and instructions to reach a live agent : ( XXXX ) XXXX. That number does not provide a ring tone ( only white noise ) so we were unable to get in contact with anybody at Specialized Loan Servicing who can help. At this point, we are out of communication options and are continuing to pay PMI despite multiple requests for cancellation.

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