vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
There is no clear way to pay down the principal. They call it an " overpayment '' and they apply it to the interest of the largest loan. I have a XXXX loan that they have scheduled at {$420.00} / month and that would be paid off in XXXX or XXXX payments. The loan was originally XXXX and by the time I pay {$420.00} for 144 months I will have paid them {$61000.00} for a $ XXXX loan. When I looked at how I could pay down the Principal, I learned that I can not make a principal paymet but can " overpay '', but am not sure where that money goes? Does it go to the interest or the principal. Not clear and I would like to know and wonder how anyone can allow a loan like this to exist! 

When I called Sallie to find how how I can apply loans to the principal one man said, " you can't '' and hung up. The next agent walked me through the site. I had to log off and go to main site to find an example for repayment or 'overpayment '. ( The actual PDF will be attached, but I have copied and pasted highlights below ). Please not the unrealistic monthly payment that are associated with loans in the amounts of XXXX or XXXX? {$25.00} or {$67.00} a month is not accurate at those interest rates. So this is misleading and impossible to pay down! 

******FOLLOWING IS AN EXCERPT FORM AN ATTACHED OVERPAYMENT EXAMPLE PDF FROM SALLIE MAE.com ( XXXX is attached to this complaint ) ******* Loan amounts : {$10000.00} {$8700.00} {$5500.00} {$6800.00} {$31000.00} Current Balance 8.25 % 8.00 % 8.00 % 7.75 % Interest Rate {$69.00} {$25.00} {$37.00} {$44.00} {$170.00} Current Amount Due {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} Overpayment Amount Payment allocation : The payment of {$300.00} was first allocated across all loans to cover the Current Amount Due of {$170.00}. Then the overpayment of {$120.00} was allocated to Loan 1 because it has the highest interest rate of all loans. 
____ The agent and me could not find a description anywhere, that said this " overpaymenet '' was applied to the principal or the interest. WHERE WAS PAYMENT ALLOCATED TOWARDS! PRINCIPAL OR INTEREST? 

I would like to see where mypayment is applied when I make it. How much to principal and how much to interest and why does a $ XXXX loan need 144 months to repay and why is it slated for payoff 13 years from now when I am paying $ XXXX/month! 

Since I have 4 loans, I do not know how to pay down the principal for each, as Sallie Mae decides and applies the overpayments to the largest loan Main question, is this overpayment applied to interest or principal! Why are there XXXX payments for a XXXX loan!? 

I have 4 loans : You ask for loan numbers but there are 4. They control how they are paid off! 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions.

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report. 

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.

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 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  XXXX  XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase restricted my accounts without explanation. Not even at the branch am I able to open a new account. To my knowledge, I have done nothing to jeopardize my relationship as a client with them. It is more infuriating when they can not tell you the reason why. How am I supposed to fix something when I do not know what's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions.

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report. 

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.

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 2022-05-14 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions. 

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report.

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NJ

Complaint narrative:
I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have opted out of prescreened offers. I still get them 2-3 times a week, there is no way on Citibanks site to stop them.

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 2022-05-14 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: MO

Complaint narrative:
At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: MO

Complaint narrative:
At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).

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 2022-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have disputed the account with Capital One via the consumer reporting agencies on XX/XX/XXXX. The infromation came back verified and updated. 

Recently I have pulled my consumer report and noticed that Capital One has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX. 

Capital One has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead Capital One charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by Capital One is inaccurate. I also have reason to believe Capital One is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I never received a 1099-C for this account, so I have reason to believe that Capital one is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if Capital One has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain.

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ).

The following account ending in 6099 with the balance of 763.00 is to be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: MN

Complaint narrative:
I have already contacted the cfpb when the debt was with XXXX  XXXX  and now just received a letter from valor intelligent processing that this inaccurate XXXX bill is back on my credit again and its for even more money that originally stated. The original issue was the invalid creditors didnt even have my accurate info when trying to log in to the online account. Im throroughly flustered with this. This isnt real when I have supposedly two XXXX creditors after me in collections which doesnt makes sense and further proves its invalid. I do know that this is harassment and harassment isnt clearly defined in the cfpb law so if no other course of action is taken but this company or XXXX to fix this I will be forced to go higher in my pursuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting acXXXX 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 2022-05-14 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: OH

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 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 2022-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I submitted a hardcopy letter and payment receipt to my Mortgage company ( LakeviewXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 stating that I had already paid my property taxes for whole year ( paid in full {$840.00} on XX/XX/2022 ). I never received any reply or acknowledgement of my letter. I received an email on XXXX XXXX, XXXX  stating that a disbursement was made on my behalf for {$420.00} to my property taxes. I sent an inquiry as to why a payment was sent after it was already paid in full. I never received a reply. I called and resubmitted my inquiry on XXXX XXXX, XXXX  via their online inquiry page. I received an automated reply stating that my inquiry was being sent to the proper department for review and should receive a response soon. However, today is XX/XX/2022 and I still have not received any reply from this company! I have had the same problem with this company for the last three years. I have asked to remove the Escrow and just allow me to pay my property taxes and homeowners insurance on my own, which I already do anyway. In the last two years, I have had my homeowners insurance policy cancelled and I had to call to reinstate them because my Escrow sent the payment, but not with enough time to process a " bulk '' check to the company. I asked why they were still sending paper checks and " bulk checks '' instead of handling my payments electronically, or paying them directly from my Escrow to their company to avoid termination of my policy for not getting their " bulk check '' out in time. I never received an answer to that either... 
I have asked to remove the Escrow altogether because they are doing a poor job with taking care of things or following instructions. A mishandling of my money and time! I was told they couldn't remove the Escrow unless we had paid off a certain percentage of the loan. We have refinanced twice with this company and each time, they still XXXX something up. Since I am not worth the courtesy or a return phone call, a return email, or a follow up correspondence letter, I am filing this complaint now. I am tired of being ignored.

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