vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2022-04-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 Section 604 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 2022-04-20 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I went on the American Express website to look for other card options, they told me I could look at the cards and a soft pull not inquiry, the inquiry was there showing hard credit pull, but I didn't apply. 
These are bait and switch opportunities for the company and it affected my credit scores, I have a copy of that with XXXX 
credit scores are affected now by BLINKING so these private companies can make money off you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Hi, We were issued and approved for an FHA Standalone Partial Claim from our lender ( Freedom Mortgage ) for our FHA loan for our property. We were in forbearance due to COVID-19. They sent us a proposed loan modification back in XXXX which included the below modified terms : - Lowering our interest rate from 4 % to 3 % - Lowering our principal balance and including this amount along with the forbearance arrears into a second interest free junior lien account. 
- The aforementioned would lower our monthly mortgage payment from {$5200.00} to {$4300.00} After we signed and notarized the documents and sent them back, they are now claiming there was an error on the maturity date ( their fault ) and are reversing all the proposed terms which will increase our interest rate back to 4 % and will bring our payment back to it's original pre-covid amount of $ XXXX/month without any valid reason or response. The communication has been non-existent and this is the first I am hearing of this. They are claiming our payment will be increased and due on XX/XX/2022. 

I was thankful for their original proposed modification and assistance as it would have helped us tremendously, but I would like to file an official complaint as this is not right and we are essentially receiving no modification or assistance. 

Thanks, 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 2022-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
THEY WILL INVESTIGATE IT AND WILL SEND ME A LETTER WITH THE RESULTS IN 60 DAYS. THEY HAVE CLOSED BOTH CARDS AND I NEED TO SEND A LETTER TO THE CREDIT BUREAUS.

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 2022-04-20 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: OR

Complaint narrative:
I have had multiple yearly discussions with Navient in order to either put my loans into forbearance, delay loans, get income-drive repayment plans, get smaller payments -- if there was an option to give me financial breathing room, then I've exhausted that option. I've dealt with daily calls. I've even dealt with being hung up on by rude customer service reps. Navient employs unethical techniques. They have sent mail to my house in different packaging in order to force more payments from me. They will send large manila envelopes with fake font that looks like handwriting and no return address in order to hide that it is Navient sending out mail. I've been pressured with litigation even though I should not have been. It's been a daily financial struggle with my student loans. I've suffered XXXX XXXX XXXX XXXX regarding my student loan weight for 12 years now. I can not buy a house or secure any type of financial stability due to the destruction of my credit score. Navient has already been pressured to settle billions of dollars of debt due to unethical practices since I've graduated. Just because I wasn't in default ( because I was pressured by Navient to keep making payments even when I barely could ), doesn't mean I wasn't harmed by these predatory practices. Please see more at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Double charging me. Filed an extension- they charged me for that too. Then the very next day I got charged full payment! They wont do a thing about it and hung up on me after I explained that I have XXXX XXXX  and zero money now. How am I gon na get gas for the car to get to work to pay for it? They dont care. They are Straight up theives!

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 2022-04-20 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: IA

Complaint narrative:
In accordance with Fair Credit Reporting act 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 2022-04-20 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: IA

Complaint narrative:
In accordance with Fair Credit Reporting act 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 2022-04-20 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a 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 explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
informed the company i had to take leave of abscense from work due to having XXXX XXXX  they piled late payments on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I had unauthorized transactions on my account, and Current chose not to return my funds. It was over {$400.00}. They said they found no fault. I can't speak to the dispute department ; I could only email them, and they don't respond for days and tell you XXXX to XXXX hrs ; however, that wasn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: VA

Complaint narrative:
in accordance with the FCRA 15usc1681 the banking system is dependent upon fair and accurate credit reporting. Everything has to be 100 % accurate on my consumer report. Equifax stated my account was properly investigated, that is not possible!!! the accounts being reported differ across all three bureaus ( i have included attachments ) this is ground for removal. Equifax has also violated my rights to privacy 15usc1681 ( a ) ( 4 ). 15usc1681b ( a ) ( 2 ) also states that a consumer reporting agency may furnish a consumer report only under the written instructions of the consumer to whom the report relates. i did not give equifax permission to furnish anything on my consumer report!!! incuded is a copy of my tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed the fraudulent account and now im reported it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20 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:
XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a 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 2022-04-20 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: CA

Complaint narrative:
XXXX XXXX Account # XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: FL

Complaint narrative:
Hello After speaking with a representative from my loan servicing department to recertify for the Income Driven Repayment Plan process I decided to poke around in my online account with Federal Student Aid. On my dashboard to the left I decided to just look at who my loan servicers were and come to find out it shows that loans were disbursed by four different colleges when I have only attended two in the past. Those two colleges are XXXX XXXX and XXXX XXXX XXXX. The other two colleges that I never attended that equals to the four are XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

On the other hand the four loan servicing companies that are on my dashboard are American Education Services ( AES ), XXXX, Dept of EdXXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). The only two servicing companies I have been in contact with is American Education Services and XXXX. However I haven't really been receiving any emails or updates from XXXX as well either. So literally the only loan servicing company I have been in contact with is American Education Services. 

I immediately called American Education Services back to find out how I can deal with this scary situation because I have been through identity theft before when it comes to my filing my taxes. With that situation on my taxes I had to go through an investigation before I can even receive my tax return refund which was overbearing and stressful as a single parent. 

I contacted the financial aid department for XXXX XXXX to verify if any loans were disbursed and if so to please send all the information required on any loan disbursements. I spoke with XXXX XXXX in the Financial Aid office at XXXX XXXX and was advised that everything was cancelled on XX/XX/2005 and no loans were disbursed. I also contacted the financial aid office for the XXXX XXXX XXXX XXXX but for some reason its hard to get in contact with them and your on hold for a very long time. 

For my online account with Federal Student Loan it shows that I have three different types of loans. 

1. ( 2 ) Consolidation Loans : {$25000.00} ( Income Base Driven Repayment Plan Completed On same submission date for this dispute XXXX ) 2. ( 8 ) Subsidized Loans : {$9200.00} - ( this is the only total amount showing on my credit with XXXX XXXX ) 3. ( 2 ) Unsubsidized Loans : {$0.00} 4. Total Balance : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have contacted this company numerous of times once I left from incarceration. I contacted them immediately to let them know I have been a victim of identity theft and the account and inquiries need to be removed from my credit. I provided FTC report to them and fraud alert. The account was removed then came back removed again then show up again. This is unlawful. I will take proper steps needed next if this is not handled after this complaint.

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 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
In the past 6months Wells Fargo has allowed someone to fraudulently open 2 bank accounts.

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 2022-04-20 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: GA

Complaint narrative:
As an XXXX employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID? 

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.

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 2022-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As an XXXX employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID?

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.

Company response to consumer: Closed with explanation