vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
My loans are with Navient. On XX/XX/XXXX I re-certified my XXXX application. I did not get a response until roughly XX/XX/XXXX. The response indicated that they were attempting to certify the application, but it has yet to be processed fully. At that time, I became somewhat suspicious that Navient was not handling my application properly. On XXXX XXXX I got a letter stating that my loan was being prepared to be fully designated for repayment. At that point I contacted Student Loans. gov. and my States ' Higher Education Department. I was then advised to speak with a Navient Student Loans manager directly. I did so on XX/XX/XXXX, and explained my issue and was told that they would review my complaint forthwith. In XX/XX/XXXX I received a letter indicating that my loan was about to be put in default and also reported to the credit bureaus. Shortly after I received an electronic letter from said manager with her decision in the matter. The electronic letter was encrypted, and I was not able to open it. I then contacted XXXX again to ask for this complainant to be escalated to the ombudsman. Still to this date I've not heard for ombudsman. In the meanwhile, I started getting collection calls from Navient. In XX/XX/XXXX I was contacted by Navient collection representee who informed me that my original application for XXXX was denied because I indicated that my income would change in the upcoming year XXXX. I disputed this and asked for documentation showing when/where this statement was made. The representative said she didn't have this information available, and she would investigate but in the interim I need to make my account 'current ' through temporary forbearance and then re-submission of IDR application. I asked why do I have to re-submit if you going to investigate? She stated that the investigation takes time and I need you to make the account current immediately through forbearance. Since this discussion I've become very suspicious that Navient dismissed my original application to reap more interest and steer me into un-necessary forbearances. The reason for my suspicion is validated by my discovery through SLG of my original application that made no mention of so - called " expectation of future year additional income. '' Furthermore. I've witnessed this tactic with Navient before and it now seems to be a pattern when applying for XXXX. Thank you for your consideration and please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX 2023 I XXXX XXXX went into the XXXX XXXX to cash a settlement check in which i was instructed too open an account through the mobile app i presented not just 2 forms of i.d . but three so my identity was verified by a representative. After a couple of days after opening my account, the mobile app was closed and instructed me to call customer service. I called customer service and they informed me that the account was closed due to an identity verification, In which i questioned how was that possible if i was in the XXXX branch and my identity was verified by a represenatitve.Once again im back in the XXXX branch and ask to see the financial manager XXXX XXXX XXXX whom took a look into the situation to only find that the back office closed my account with XXXX dollars in it and that they supposedly have mailed a cashiers check to me on XXXX 2023. XXXX XXXX XXXX and i both was working to find a solution i was in the XXXX branch on XXXX, XXXX, XXXX with XXXX as we look over the account and get a represenative on the phone to assist with our problem XXXX XXXX found the I.D . number of the person who closed the account and read the notes as to why the account was closed and the only thing that he could find was that the person closed it due to suspicious email, in which the email in question is my last name and first name XXXX there isnt anything suspious about my email. They are telling me due to there policy i have to wait 120 days for another issuance of my cashiers check even though i wasnt at fault i find this disturbing and unfair

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 2023-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdAid Limited
State: CA

Complaint narrative:
In the year XXXX I obtained student loan from the company EdAid ( XXXX ) for XXXX XXXX XXXX XXXX which I've been paying the loan of {$490.00} every month even though the school didnt fulfill their initial promises. This year in XXXX I stated having financial issues which I immediately reach out to them that they should spare me some few months to search another job but to my surprise this company didnt show any compassion. They went ahead and take the money cause me overdraft in the month of XXXX which I complain to them again. In the month of XXXX and XXXX they the same thing cause me overdraft, as well. They ask me for the termination letter but I told them that I'm an XXXX XXXX XXXX XXXX for XXXX XXXX  company. They deactivated my account instead of termination letter. I screenshot the deactivated account and did a breakdown of my monthly expenses, and I explained to them that I do not get any assistance from the government as well. This company is adding to my frustration. They let the my bank charging me overdraft in left my checking account in negative.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It shows that a mortgage company pulled my credit report on XX/XX/2023, however I did not apply for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

I told the Transunion to reinvestigate this accounts : XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-17 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: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies on my consumer report concerning the charge-off account, XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my consumer report, I noticed that the account is no longer under investigation. However, despite my numerous previous disputes, the inaccuracies pertaining to this account persist. It is evident that your agencies have failed to conduct a reasonable investigation, resulting in the continuous inaccurate reporting. 

After your previous re-investigation, the two different dates of last activity continue to be reported on my consumer report. XXXX reports the last activity date as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. Additionally, the reporting of different last payment dates is also inconsistent, with XXXX stating " NO DATA '' and Equifax indicating XX/XX/XXXX. These inconsistencies clearly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ) ( A ) ( i ) ( ii ) Treatment of Inaccurate or Unverifiable Information. 

Furthermore, the payment history section for this account is not fully complete. XXXX reports " NO DATA, '' and Equifax also indicates " NO DATA '' for both XX/XX/XXXX and XX/XX/XXXX. This incomplete payment history further contributes to the inaccurate representation of my creditworthiness.It is important to note that this account no longer belongs to XXXX XXXX XXXX and has been sold to a third-party. I have obtained certification from the institution that acquired the account, confirming its removal from all consumer reporting agencies due to identity theft ( email attached ). Therefore, the continuous reporting of the listed inaccuracies by your agencies not only demonstrates a failure to conduct a reasonable investigation but also reflects the unreliability of the data furnisher. This is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Two fraudulent accounts were opened under my name within the last year at BOA. Both times, I stated that I believed this was being done internally, as there was no login to my account and my contact info was changed without any email notification. I complained through the CFPB about BOA, and in response, XXXX XXXX of BOA contacted me, chastised me for filing a complaint, and said BOA was considering all options in response to my complaint. As a lawyer, I recognized the threat in what she was saying. XXXX XXXX gave me her contact information to follow up with BOA on its investigation into my complaint, but since that time, she has ignored 4 calls and 3 voicemails that I left her looking for an update. So Im filing a further complaint against BOA and 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 2023-07-17 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: GA

Complaint narrative:
XXXX AND TRANSUION ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF MY CREDIT

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 2023-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
A complaint was submitted against Specialized Loan Servicing on XX/XX/XXXX, file by my company, with my client XXXX XXXX, information. Information was then received in XXXX stating as response ha been made. The response was from the year XXXX, and nothing never address the issue that was made in the complaint on XX/XX/XXXX. Can the company ( SLS ) please respond to the issues address in the complaint on 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 explanation
Consumer complaint received 2023-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-17 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is allowing two XXXX XXXX XXXX accounts to report every single month and it's not legally accurate.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not open this account please remove

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 2023-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not open this account please remove

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
There has been an account by XXXX XXXX XXXX with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.

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 2023-07-17 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
There has been an account by XXXX XXXX XXXX with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: AR

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

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 2023-07-17 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: NV

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 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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