vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for borrower defense from student loans from XXXX and XXXX XXXX XXXX XXXX for fraudulent claims, claiming that 90 % of graduates had jobs in their field of study within six months of graduation. They also claimed that on average, XXXX graduates earned 15 % more than other graduate institutions and this was a false claim as well. On XX/XX/2020 I reached out to Federal Student Loan to receive a status update on my case via their message center and I received no response concerning my case. 

See my message to them below : Hi Please provide an update on the status of my claim regarding XXXX and the fraudulent and misleading claim, that 90 % of graduates had jobs in their fields of study within six months of graduation. They also claimed that on average, XXXX graduates earned 15 % more pay after graduation than other graduates of institutions, this claim was false and very costly to me. Please advise where we are in the process of reviewing my claim. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX  and XXXX XXXX, ./// XXXX, XXXX and TRANSUNION willfully violating the FCRA . Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX/// XXXX, XXXX and TRANSUNION based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// XXXX, XXXX and TRANSUNION are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and TRANSUNION need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX, XXXX and TRANSUNION may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX  and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX contacted me after I sent them a cease and desist about an invalidated debt. They made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor Synchrony Bank . Lastly, after doing so, Synchrony Bank still sold the debt.

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 2021-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thanks for your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an erroneous account ( XXXX XXXX XXXX ) on my Transunion Credit Report on XX/XX/2021. Transunion received my dispute, and to date ( XX/XX/2021 ) transunion has not responded to my request for this incorrect account to be deleted. From my understanding, by law, XXXX XXXX XXXX have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I submitted a dispute in regards to two Address in NY on my XXXX Credit file. XXXX came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called Suntrust and they verified that they did not report this to XXXX of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice

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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
No matter how many times I attempt to correct incorrect information and add person comments they Do not allow and persist on taking the word of the creditor although inaccurate and damaging to our credit. Recent attempts once again failed and rejected. You do NOTHING ... A poor EXCUSE FOR PROFESSOONALS And CONSUMER PROTECTION. You EVIDENTLY never read the complaints just send them out... fact and if you read them how stupid are you? DOES YOUR OFF SHORE STAFF COMPREND ENGLISH? Your software to place the social security number rejects it AS PER HUNDREDS OF PRIOR COMPLAINTS NOTED!!!! .YOU SHOULD BE CALLED THE BFPB BUSINESS FINANCIAL PROTECTION BUREAU ! HERE IS LATEST INCORRECT REPORTYour Report Number is : XXXX Your Investigation ID is : 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 2021-11-12 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: GA

Complaint narrative:
Checked my account and saw my score down -54 points with no explanation this is a deceptive technique as this is retaliation for informing cfpb and other federal agencies about the fraud that is being done on a nationwide level. 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act. Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX  was not given the chance to opt-out of having this reported information about XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transactions must be excluded from your consumer report. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
As a result of fraud, multiple attempts to open credit cards in my name where attempted. One card, Bank of America was successfully opened, acct # XXXX XXXX XXXX XXXX the others where halted during the application processes. 
BOA has closed this account as fraud but this credit inquiry still remains as valid on my XXXX report. 
Once I was altered to this fraudulent activity, I immediately contacted all of the credit card companies involved and reported these as fraud. 
As recommended I also contacted all three credit reporting companies in writing to report this activity as fraud. 
As stated the only remaining issue is the BOA account ( listed above ) is still shown on my XXXX credit report as valid. I have contacted them and they directed me to the FTC site to report it as fraud which sent me here. Once this is formally reported as fraud I will send them the documents provided by this report for them to review and hopefully remove this activity from my 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 non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX contacted me after I sent them a cease and desist about an invalidated debt. They made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: SC

Complaint narrative:
Unsolicited FHA refinance offer is misleading/deceptive! Major point is they focus on payment savings vs my current loan but never bring into the offer the cost of the UFMIP or the monthly cost of .80 MIP which significantly reduces the forecasted savings. If I were not a mortgage professioanal I would not have been able to see this, and I wonder how many consumers do fall for this. One last point, my rate is not 3.75 % but 3.625 % and I do not have any PMI/MI on my current loan. By adding FHA monthly MI to the {$290000.00} base mortgage the cost of {$190.00} reduces the forecasted monthly savings to only {$73.00}. However, by adding the UPMIP the final savings are even less. Deceptive and misleading advertising like this needs to be stopped. I did not apply, nor call them, as they simply omitted the impact of FHA insurance in their analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to Sears/XXXX XXXX/Citi Financial on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.

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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a dispute in regards to two Address in NY on my Experian Credit file. Experian came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called XXXX and they verified that they did not report this to Experian of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice

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 2021-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My loans ( Direct subsidized and Direct unsubsidized ) were transferred to XXXX in XX/XX/2018. Since this time NONE of the payments that I made to Navient ( 43 payments ) or Sallie Mae ( 7 payments ) before the transfer have been counted by XXXX. The three attachments show my payments made to Navient and the corresponding missing information in the XXXX online system. Under PSLF and TEPSLF payment counts XXXX shows these dates as you do not have a bill due for this period and counted as ineligible payments. This is not correct. Nearly {$35000.00} in payments that I made toward my PSLF are not in their system. I have made 169 total payments ( out of the required 120 ) and need to have this payment information corrected for PSLF. I have contacted XXXX and Navient multiple times about this with no assistance. I have called and spent hours on the phone to be disconnected. I have filed a complaint with the US Dept Education and received an email on XX/XX/XXXX ( case XXXX ) that I would hear from the case worker in 15 days and that it should be resolved in 30 days. I can not get an update by email or a returned phone call. This needs to be corrected before the {$1000.00} monthly payments resume in XXXX. I have completed al requirements under the revised PSLF guidelines. This information needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMALGAMATED TOKEN SERVICES, INC.
State: AL

Complaint narrative:
Coinlist would not let me access my account or funds. They sent me an email saying I violated ToS, and cut off all access to my wallet. I filed a complaint with you, and then I received an email saying that was an error on their part, and I gained access to my wallet. I have tried numerous times to move my cash off their exchange. I can not. I have to use XXXX to link my bank account. I have used XXXX many times for other exchanges with zero issue. I successfully linked my bank account to Coinlist using XXXX, but on Coinlist side any transactions I attempt shows my bank account has not been linked. 
The issue is on Coinlist side. I successfully accessed my account with XXXX, but when it took me back to Coinlist website I just got a spinning circle icon- repeatedly. 
Coinlist responded immediately about me losing access to my account, but will not respond to my follow up emails about not being able to transfer my cash off their exchange. This is typical in the crypto world for exchanges to continually be involved in shady practices. I ask that the US government protect consumers, and apply sharp penalties and fines for companies that use these type of tactics to rip off customers.

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 2021-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of america let the XXXX XXXX XXXX XXXX over draw my account when the casino hotel didn't even have a hold on the funds I did not approve the transaction the hotel clams I ruined a couch and carpet but i didn't my jaded ex worked there but the point is i called bank of America 's XXXX number daily and was finally told rudely I shouldn't have messed up the room which is irrelevant because they didn't put a hold my card when I checked into the hotel and I overdrafted my prepaid Bank of America unemployment card {$1300.00} and wasn't able to get my unemployment check for over 2 months paying that money back

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