vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eastern Account Systems of Connecticut, Inc.
State: WY

Complaint narrative:
HELP PLEASE!!!! 
I was applying for a hybrid home equity loan. There is an old PAID delinquent MEDICAL account which the reporting company refuses to remove from my credit report. This one MEDICAL item has turned my credit score from XXXX to XXXX. It resulted in my not being able to get that particular loan and will result in higher interest rates for the next loan I am trying to secure. This one {$200.00} PAID item is going to cost me thousands of dollars over the length of the next loan.

I contacted the credit reporting company and they refuse to remove it from my record even though it is paid. It is criminal that this one very small {$200.00} collection has negatively affected my credit score to such an extent. 

The item in question was a very old medical collection I wasn't even aware of. I had moved from XXXX  to XXXX and was never made aware it even existed. I paid it several months ago when this debacle began yet they refuse to remove it from my record. 

HELP!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Not certain if this is the correct form. It fell between categories. 

Experion, though their boost program, is supposed to help you raise your credit score by linking to your accounts then reporting your payments. They lied, it's a scam. 

In my about 20 days as a member, I have had nothing but problems with them staying connected. They haven't reported anything like they're supposed to. They keep 'losing ' or 'disconnecting ' one of my accounts to the point where it locked up my original account with that provider. I have been disconnected at least 10 times, I quit counting after the day it happened four times in as many hours.

When I contacted them about that, they sent me some automated response about how they weren't connected to every bank yet and they'd look into it. Which they did not since by the next morning I had to reconnect that same account. 

They *claimed* it's on the other end, that the bank updated their security or you changed your password the second and third time I tried to contact them about this issue. Neither of which is true. The one time I had to change my password - because logging in to reconnect locked that account - I did finally get it to reconnect for all of XXXX hours. Then it was lost again. They have made no effort to report anything on that account either. They claim they need at least 3 months of payments when I asked customer support about that. I have 8 years of payments on there. Not a single one has shown up as reported. 

They also say they can link into another credit account of mine and supposedly, somehow, can't connect to it for those same 20 days. 

They also try to sell you on signing up for various credit cards, which will end up hurting your credit score so you need them even more, and you can not unsubscribe from those emails. I have tried, three times, and it will not take the unsubscribe. I have connected them on both matters. Their customer support is vaguely hostile with the way they do not pay any attention to anything you've written to them. I'm not sure if it's one of the automated responses or not but I get form letters about nothing relevant.

In the last day and a half I have exchanged seven emails with them about the connectivity issue. It should be easy to fix on their end. I have gotten what looks like automated responses about everything *but* what I've written to them about. Their phone customer service has nothing to do with boost, they're just there to ask about things in your credit report.

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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I am currently in debt relief program and my lawyers have sent lendmark financial there power of attorney letting them know to contact them regarding my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I saw an alert Experian credit report letting me know there was a hard inquiry for XXXX XXXX XXXX XXXX XXXX, which I immediately did not recognize. I contacted Experian that day, which started a dispute process for the unauthorized hard inquiry. They were able to remove this from my report within a few days. The financial institution in question 's fraud department contacted me and left a voicemail on the XXXX. I attempted to contact them via the financial institution 's fraud line number but did not reach them immediately. When I reached out again about two weeks later, they told me about the credit card opened with my information, which they flagged as fraudulent within a few days of the account opening. They were able to successfully close down the credit card and the account they opened linked to the line of credit. 

On XX/XX/2022 I received a letter from another financial institution XXXX XXXX XXXX requesting I send them my paystubs so that the loan could be processed. I of course did not recognize this financial institution. I called the financial institution and let them know my identity was stolen, they immediately closed the loan application and, presumably, the account that was opened with it. 

XX/XX/2022 I contacted Experian to remove the other hard inquiry for XXXX XXXX XXXX, which started a dispute process. Currently waiting to see that the dispute is resolved.

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 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
I got my mortgage through my credit union in XX/XX/XXXX ; it was serviced through XXXX XXXX XXXX until XX/XX/XXXX when it was transferred to BSI Financial Services. 

In XX/XX/XXXX, I received notice that my monthly escrow payment would increase from {$670.00} to {$920.00} a month. I called to get clarification and after many calls and attempts at getting someone to talk with me about the increase, I was told that it is because my taxes increased. Yes, I know they did, but they did not increase by {$3000.00}. 

BSI does not allow you to talk directly with the escrow manager/accountant. There are no phone numbers listed other than the XXXX #. The company has insulated itself from any contact with their clients. The clients who are also their customers who they need in order to maintain their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-27 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
During XXXX my computer was hacked and then I was scammed out of my savings of {$200000.00}. I believed I was working with XXXX to prevent money from being removed from my account. I was instructed to wire transfer funds into " safe wallets '' which I would have access to when the hackers were caught. I believed I was working with actual XXXX employee. Several of the initial transfers came from Citizens Bank where my savings hew been for forty years ( before Citizens took over the Bank ). 

XXXX. XXXX recovered by citizens fraud dept from XXXX XXXX XXXX XXXX XX/XX/11 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
House was sold and buyer was approved to assume the solar loan. Several months later the loan is still in sellers name and has not been transfered to the buyers name even after they were approved. All documentation has been sent and they have not completed the transfer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: PA

Complaint narrative:
Individual called stating I was approved for personal loan to consolidate credit cards. They misrepresented/ lied about the company who would make ACH transfers in my banking account totaling {$7000.00}. XXXX days later the transfers were fraudulent after I paid the credit companies. I spoke with bank fraud department who did not help me but wanted repayment. I do not have that kind of money retired on SSI. Since then bank threw me out of service and unable to make any payments or bankrupt me. I can not even afford to file bankruptcy now and had to place my mortgage in forbearance plan. Also take a part time job with bad health to stay alive. That hurt. I did file case with police, XXXX attorney general and consumer complaint with no resolve. This all took place in XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-27 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I sold the house and transferred the solar to the buyer. The title company sent the GoodLeap all the requested info and they even cashed a check for their fee but they have still not transferred it and it's still in my name for something no longer owned by me. They have failed to take ownership and ensure this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was accepted into XXXX 's Accelerated XXXX Program and the first semester was to begin on XX/XX/2022. To pay for the program, I had taken out a student loan through Discover in the amount of {$26000.00}. 

On XX/XX/2022 I withdrew from XXXX XXXX  University XXXX XXXX XXXX XXXX. I withdrew within their specified time frame to receive a 100 % refund. I instructed XXXX to send the money back to Discover so that my loan could be cancelled. 

I have made numerous documented phone calls and emails to both the school and the lender, only to have to reexplain the situation to each new representative. XXXX claims a refund was mailed out on XX/XX/XXXX which was cashed by Discover. XXXX has provided a check number, but Discover has refused to cash the check. Discover claims that they sent the funds back to XXXX because it was a collective refund sent to them without a student roster. XXXX has yet to send another check to Discover. It has been 4 months, and the loan has yet to be refunded. It is collecting interest daily which Discover has led me to believe I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: MO

Complaint narrative:
Approximately 2 months ago I got a temporary forbearance which I was assured through a chat message with the Sallie Mae customer service that I could have it extended up to 12 months. I tried to extend it the first time, as my low income and living arrangements had not changed since then and I was denied. They lied to me, and are now demanding that I pay an amount I can not afford on 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 2022-05-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

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

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.

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 2022-05-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

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

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.

Company response to consumer: Closed with explanation