vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: PA

Complaint narrative:
XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

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

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I got the car in XXXX XXXX my first payment on the car wasn't due until XXXX XXXX I paid {$2200.00} on XXXX XXXX for 5 months. I made a payment on XXXX XXXX of $ XXXX also {$25.00} they rejected the payments again on XXXX XXXX, and added on {$75.00} in rejection fees because of stopped payments that I didn't stop. 

I recently made a payment on XXXX XXXX, in the amount of {$920.00} and a rejection payment of {$25.00} also on XXXX XXXX. I seen in my account that PenFed Credit Union had both payments processing in my bank account transaction. On XXXX XXXX I seen that both amounts in my account that was suppose to been taking out for the two payments I made was took out and the amount was reversed back into my account. I call Penfed because I seen on they site I pay the carnote I had two messages stating that it was stopped payments. I talked to my bank and asked why are payments being stooped from my account if I never called to have any payments stopped and my Bank told me it wasn't coming from they end and to contact Penfed and I ''called, PenFed and 'asked '' why my payments was stopped and they said it could of been me or my bank I told them no that was my first time calling my bank too see why my payments keep getting stopped. I even made the payment on the phone with one of Penfed workers and the amount of {$910.00} and a {$25.00} rejction fee.payment was stopped and they added on a {$75.00} rejection fee. So I made a nother payment on XXXX XXXX in the amount of {$910.00} and a payment of {$25.00} on the same day. I'm waiting to see if they gone to accept my payment or reject it and add on extra fees.and say it wasn't on they end. My Next payment is not due until XX/XX/2022 I tried to pay two months so that would made my next payment would of been 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 monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I believe that I meet the eligibility requirements put forth in the recent Navient Settlement that was announced earlier this year. However, when I attempted multiple times to discuss this with Navient and explain to them that I meet the requirements for cancellation of my loans, they tell me that Im not, but without providing me with a clear reason/explanation as to why Im not able for loan relief. I relied on the following information from the multi-state Navient Settlement information released online that states the following : The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My vehicle was involved in a car accident ally financial reached out to me and insisted that they send some one from there company go to check vehicle out before we move forward ally never did so which caused the claim to lapse they wouldnt contact me after words because of there wrongs this has been going on for 8 + months every time I try to call till this day my calls are forwarded in can never speak to the case manager that was assigned to me once she told me 2 different stories she started doging me every call is recorded in they violated my rights several times.

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 2022-09-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX  account # XXXX act 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. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Advanced Resolution Services Inc.
State: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On or about XX/XX/2022, I opened a checking account for the sole purpose of handling my mother 's estate after she passed away. On opening the account I was told that there would be no fees or charges on the account as long as I maintained a minimum balance of {$1500.00}. After the required probate period required by my state ( WV ) I dispersed the funds in the account to the creditors and heirs of the estate with the exception of {$1500.00} of my share to keep the account open for the future sale of real estate as I believe I am required under WV state law. On XX/XX/2022, the account was charged a " RETURN STATEMENT FEE '' of {$5.00} bringing the account balance to a total of {$1400.00}. After noticing the charge on the account I called customer service and after " getting the run around '' for over an hour the {$5.00} fee was credited back to the account ( returning the balance to {$1500.00} ) and it was explained that the charge was due to an account statement being returned to the bank. ( To clarify the account was not charged to create or mail the statement to me but specifically because it was returned by the USPS as undeliverable. ) Then on XX/XX/2022, the account was charged a {$12.00} " MAINTENANCE FEE '' due to the balance of the account dropping below the required minimum balance of {$1500.00} during the previous statement period ( solely due to the bank 's erroneous charges and for less than 24 hours ). I called customer service immediately and was told that the bank would investigate the matter and contact me. The next morning ( XX/XX/2022 ) the account was charged a {$5.00} " RETURN STATEMENT FEE '' resulting in the current account balance of {$1400.00}. As of today ( XX/XX/2022, I have not been contacted by the bank ( Truist )

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 2022-09-21 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: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX original creditor XXXX communication ) ( XXXX XXXX XXXX ) original XXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
I consolidated my student loans with MOHELA on XX/XX/2022. They paid XXXX XXXXXXXX and received my student loans on XX/XX/2022. XXXX, which completes the consolidation application for student loans for them, indicated that the consolidation was complete and transferred to MOHELA. I should have unlimited access to my account online by XX/XX/2022. 

I have tried multiple times to access my online account with no success. I have called MOHELA, only to hold on the phone for over 2 hours to get to a customer service representative who tells me that she can not access my account and they have no further information. 

I moved on XX/XX/2022, and I contacted MOHELA to update my contact information to receive future correspondence. I spoke with a supervisor after the customer service representative told me she could not update my address. She told me that she did not have access to update my address. So, I asked her if a supervisor could not update the address, then who could? 

I have been in the Public Loan Service Forgiveness Program for over ten years. I have made a total of 121 payments. The only reason I consolidated my student loans was to add my parent plus loans to my application for forgiveness. MOHELA is holding my student loans " XXXX '' to prevent many other borrowers and me from applying and receiving forgiveness. There are multiple complaints on social media sites against MOHELA about the tactics they are implementing to prevent borrowers from meeting that XX/XX/2022 deadline to receive the full benefits of the " waiver program. '' If I can not access my account, I can not upload my Employment Certification Forms which are critical in applying for Student Loan Forgiveness. As of XXXX minutes ago, the site is still indicating that I should have access on XX/XX/2022. Today is XX/XX/2022, so please make this make sense to me. She attachment of what I am seeing on their website below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX account # XXXX act 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. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting XXXX XXXX account # XXXX act 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. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CORELOGIC INC
State: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Exeter Finance, LLC.
State: DE

Complaint narrative:
I recently took a look at my consumer report and I was extremely confused. In accordance with the Fair Credit Reporting Act, EXETER FINANCE LLC has violated my rights. 
- 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. I was never late on this account. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my consumer report.

-15 USC 1681s-2 ( F ) ( i ) ( II ) states that the covered period for consumers affected by covid started XX/XX/2020 and ends 120 days after the date on which the national emergency concerning COVID-19 outbreak terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
This is not a duplicate complaint. It is a new complaint about the same company. Account was paid by XXXX. Company is saying that it meets all requirements of fair reporting act. I am not disputing that the account didn't exist just that I don't owe it. They removed it due to account being closed on my other credit reports so they know I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: MA

Complaint narrative:
XXXX a month taken from my account. Changed debit card. Did not help. So closed account to stop the theft. Then got a {$350.00} bill. I should not have a bill over theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX XXXX  ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 2022-09-21 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: VA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX ) ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX  ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, XXXX and TransUnion ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests

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 2022-09-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX ( XXXX ) This account is open! It has never been closed! The balance is 0 The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX to XXXX is on-time good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/22 I received two ( 2 ) identical letters from CrossCountry Mortgage stating as a subject line : Second and final notice- please provide insurance information. I never received a first notice and I have informed delivery through USPS that confirms when letters are being delivered. I paid and subsequently submitted this information to CrossCountry when my hazard insurance renewed several months ago. Now I receive a letter/notice that they are going to force place insurance on my loan. I have resubmitted this information as of XX/XX/22 ( same date I received their letter/notice ). I am not sure why I have to continue to their job and receive threats from CrossCountry for their failure to perform their obligations under the loan agreement. This will be the fourth complaint I have filed with this mortgage company since the inception of my loan. CrossCounty is threatening me with {$4000.00} of force placed insurance when they have already been provided my XXXX  insurance XXXX page for {$410.00}.

Company response to consumer: Closed with explanation