vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Purchase made in store XX/XX/XXXX for amount XXXX. Product was left in store for alterations. Product was damaged during alterations. Charge was already made and store would not refund for damaged product. Chase will not refund money stating I was able to see product before purchase but this is incorrect as purchase was made before product was damaged and returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I co-signed a lease agreement for XXXX XXXX ( my son ) and XXXX XXXX XXXX friend of son ) for an apartment at XXXX on XXXX managed by XXXX XXXX XXXX. The rental lease agreement ran from XX/XX/XXXX through XX/XX/XXXX. 
On or about XX/XX/XXXX the move out paperwork was signed, keys were returned and all parties vacated the property. I have not received any form of communication from XXXX on XXXX or XXXX Communities XXXX since. 

On the evening of XX/XX/XXXX I checked my credit report on WellsFargo.com and discovered that XXXX on XXXX had reported a debt to National Credit System and that National Credit System had reported a collection to the credit reporting listing XXXX on XXXX as the original creditor. 

The next morning XX/XX/XXXX I went to XXXX on XXXX to inquire about the collection and I was told that I owe {$150.00} for carpets replaced in XX/XX/XXXX. I provided the onsite property manager XXXX XXXX with a cashiers check for {$150.00} later that day. She gave me a receipt and admitted that she did not attempt to notify me of this debt because she did not have a forwarding address. I was a co-signer. I did not ever reside at the property. However, I provided XXXX on XXXX my home address, cell phone and email in my co-signer lease application. XXXX verified that the cashiers check was cashed on XX/XX/XXXX. 

I disputed the collection with XXXX, XXXX and XXXX. XXXX deleted the collection from my credit history. XXXX and XXXX verified that National Credit System reported the collection and closed the dispute without taking any action. 

On XX/XX/XXXX at XXXX I spoke with XXXX XXXX at National Credit System . I explained that I had not been contacted by either XXXX on XXXX, First Communities or National Credit System about the debt. XXXX XXXX stated that National Credit System sends notifications by mail but they were not able to obtain my home address from XXXX on XXXX. National Credit System notified the credit reporting companies without attempting to contact me, or providing me with a validation notice. 

I informed her that the debt was paid to the original creditor on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. She stated that she would verify that the debt has been paid, and once confirmed, she would notify the credit reporting companies that the debt has been paid. I asked that she also request that the credit reporting companies delete the collection from my credit history because I was not notified of this debt. She said she was not able to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 2022-03-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) with the account number XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I refinanced my home with XXXX XXXX on XX/XX/XXXX. The condition of the mortgage was : the property taxes are escrowed by the mortgage servicer. Consequently, Select portfolio servicing took over the loan from XXXX XXXX Despite my numerous calls and an email message to Select portfolio servicing, they are refusing to pay the first quarter property tax to the city of XXXX despite having amassed over XXXX in my escrow account. The tax was dues XX/XX/XXXX. Now I received a letter from the City of XXXX saying the account is past dues and there is interest assessed on the account. Select portfolio servicing must pay the first quarter taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My student loans have been mishandled from starting with NavientXXXX XXXX to account information being sold to multiple lenders, XXXX  data information incorrect on my credit then transfer to XXXX XXXX XXXX which have stated that i don't qualtify as a public service. Over the years I have been getting mislead wasn't given the opportunity to help lower my monthly payments when my students loans was first with Navient and XXXX XXXX. The law suit about them was true which cost me alot of interest builded up. For the last 15 years I have been in income driven payments and have been a public server for over 8 years and never was approved for the program and its not right to get mishandled with U. S department of education lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
On or about XX/XX/22, I received an alert from XXXX XXXX stating that a collection in the amount of {$3600.00} had been placed on my account. I pulled my credit report and found that the company reporting the collection was National Credit Systems Inc. out of XXXX, GA. I contacted them the next day and was able to obtain a copy of the bill for past due rent at the XXXX XXXX at XXXX Apartments in XXXX, XXXX. Needless to say, I had never rented and apartment at that complex. I immediately contacted the XXXX, Illinois Police Department and filed an Identity Theft report. I then carefully reviewed by credit report and discovered that another apartment in the City of XXXX was currently being rented in my name. I spoke with the manager at this complex and she suspected that the renter was there fraudulently. She even provided me with the DL # and I shared it with the detective on my case, and it was a fake ID. The XXXX contacted The XXXX at XXXX and obtained the fraudulent information used to rent the apartment. The applications from both apartments were sent to National Credit Systems , Inc. NCS has informed me that they do not make the determination on whether it is a valid debt, and that the apartment complex makes that determination. The apartment complex has told me that the collection company determines the validity of the debt and that it is out of their hands. This has been going on for almost 3 months and the collection is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
In XXXX of XXXX I was contacted by Atlantic Recovery Solutions to settle a XXXX XXXX credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected Atlantic Recovery solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to Atlantic Recovery Solutions ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a Kay Jeweler credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX  and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase. 

XXXX

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 2022-03-31 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: MI

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXdept of Ed account # XXXX XXXX XXXX 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 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 2022-03-31 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: MI

Complaint narrative:
Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX/dept of Ed account # XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am concerned. I graduated in 2008 and I am still paying student loans and owe over {$100000.00}. I don't understand why. I started looking at my statements and it looks like my balance goes up some months even though I have been paying for years. 

I have an account with Navient and XXXX. Navient is the worse culprit. Now the federal loan has been transferred to XXXX but still in deferment because of the pandemic. 

Please help me figure out how to get this addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I provided proof that this company with the account number XXXX was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( XXXX XXXX : ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Westlake Services, LLC
State: OH

Complaint narrative:
Am a XXXX XXXX XXXX retiree that inquired about one specific vehicle on a used car lot XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. I did not sign a consent for credit to be run. I was verbally told by XXXX XXXX, salesperson, that I was already approved to buy the specific vehicle, which was a used XXXX XXXX XXXX. I specifically told this salesman to not apply for any kind of loan, but just use this approval. He agreed, said I was for sure approved and asked that I send 3 months of bank statements and proof of income. These were submitted online to him ( have kept emails ) and I was awaiting for finalization of deal on XX/XX/2022 for pickup no later than XXXX or XXXX ( substitute teach and working on XX/XX/XXXX ). I called on XX/XX/XXXX and was told by XXXX XXXX, that 'sorry, we sold car to someone else and forgot to call you '. I subsequently have been receiving XXXX to XXXX letters a week in the mail from multiple loan companies that XXXX XXXX XXXX took it upon themselves to apply to WITHOUT MY CONSENT. It is now XX/XX/2022, close to XXXX weeks after which XXXX XXXX apparently ran my credit on XX/XX/XXXX. XXXX, I contacted Credit Bureau XXXX XX/XX/XXXX and they put a 'fraud alert ' on my credit report. I called XXXX XXXX XXXX a little over a week ago and he not only did not apologize, but basically expressed that he did not care -- expressing that the XXXX loan letters for weeks on end is what they do, and did not care that I did not consent.

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 2022-03-31 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:
I XXXX, XXXX XXXX submitted the attached dispute to Experian on XXXX XX/XX/2022. 

Upon review of my rights and reports I submitted a dispute to the credit bureaus requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.

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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I ( last XXXX ssn XXXX ), opened a checking account ( XXXX ) at a Huntington bank branch on XX/XX/2021 based on {$150.00} bonus offer " Deposit at least {$1000.00} in cumulative new money within 60 days of account opening and keep your account open for a minimum of 90 days. '' All requirement was met but the bonus did not arrive. The bank said that my {$1000.00} electronic deposit from another bank did not count. That's not fair. Huntington bank should keep its promise to give me the {$150.00}.

Company response to consumer: Closed with monetary relief