vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: ME

Complaint narrative:
First of all, i borrowed around {$73000.00} for college and graduate school. After paying in an XXXX plan for over a decade, I owe almost {$200000.00}! Because I could not afford to make my payments, borrowers counciled me to default, whereupon they capitalized interest, in order to get into an XXXX plan. I was told default was required to enter into affordable payments. 
These terms are usury and were given me under fraudulent terms. 
Now, Aspire Servicing Center has pulled my loans out of the government mandated payment pause, and is billing me over {$1400.00} a month! I am currently unemployed. And WAS on an XXXX repayment plan. 
They notified me the payment pause was ending in XXXX. I sent them an application for XXXX based relief. They sent me a letter saying I was approved for a temporary deferment. That letter is now MISSING from my internal-communications folder from them, and they are billing me! Despite the federal payment pause. Please help!!

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 2023-01-24 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:
this information was reported without my consent, collection agency, cavalry portfolio services, i dispute it with the XXXX credit reporting agencies, date assigned, 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 non-monetary relief
Consumer complaint received 2023-01-24 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: TX

Complaint narrative:
The XXXX account XXXX account XXXX  XXXX, XXXX account XXXX XXXXXXXX, and Equifax account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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:
The XXXX account XXXX account XXXX XXXXXXXX, Experian account XXXX XXXXXXXX, and XXXX account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.

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 2023-01-24 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: PA

Complaint narrative:
In accordance with the 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 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 2023-01-24 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: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-01-24 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: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-01-24 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My flight was canelled. Chase Sapphire covers interruptions up to XXXX XXXX I filed a claim for my hotel stay to be reimbursed and XXXX ( the company who has been contracted out to handle the claim ) is misleading me. I have called in several times and keep getting conflicting reports about my claim. 

I have submitted all the relevant documentation and have yet to receive any material updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: PA

Complaint narrative:
In accordance with the 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 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received loan document from ace under item number XXXX dated XX/XX/XXXX stating past due amount due XXXX Break down listed as, principle XXXX, interest XXXX and fees XXXX last payment amount XXXX on XX/XX/XXXX from loan dated XX/XX/XXXX. 

I only borrowed XXXX with XXXX taken biweekly. I have almost paid back loan amount principal and now they are stating i owe them an additional XXXX?? Additionally as you can see from last payment date this is harassment. They also harass my phone. Im not sure whats going on. I would not have signed up for this or anything where my payback would exceed {$6200.00} on a {$2000.00} loan i took out a month and a hald ago. I dont understand this or the fees. This seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TX

Complaint narrative:
I have attempted to resolve the reporting error with the credit agencies twice. I have a 90 day reporting error on my credit and after disputing the information twice it has not been resolved. 

I disputed the report due to it being inaccurate. The report shows on time for XXXX XXXX and XXXX XXXX but then shows 90 days late for XXXX XXXX. This is an obvious error and obvious violation.

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 2023-01-24 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: TX

Complaint narrative:
I have attempted to resolve the reporting error with the credit agencies twice. I have a 90 day reporting error on my credit and after disputing the information twice it has not been resolved. 

I disputed the report due to it being inaccurate. The report shows on time for XXXX XXXX and XXXX XXXX but then shows 90 days late for XXXX XXXX. This is an obvious error and obvious violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-24 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: Freedom Mortgage Company
State: GA

Complaint narrative:
They stole money when I was in XXXX XXXX drawing interest and then when I tried to call them they had no explanation as to where my money was or went. Then as soon as my XXXX XXXX  was over they reported me delinquent to all the credit bureaus which I always paid monthly sometime twice a month- they still cant tell me where all of my payment went. My mortgage was {$2000.00} since XXXX and I paid {$2100.00} per month every month since XXXX. I called them and asked 5 different times to apply the overages. They refused and when I finally was out of XXXX XXXX  they reported I was delinquent and ruined my credit. This company should not be allowed to hold mortgages. Especially for borrowers who are trying to do the right thing. Someone or some entity needs to investigate them- they are practicing mortgage fraud.

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 2023-01-24 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was XXXX  to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: MN

Complaint narrative:
Synovus Bank is not processing any of my credit card applications. I applied for the XXXX XXXX credit card on XXXX XXXX and I received an online message of, we can process or proceed any further with your application. I have never apply for or had any credit card from Synovus Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: AL

Complaint narrative:
I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything. 

XXXX, the escaltions rep, emailed me saying they refunded the money back to me. I emailed him right back letting him know that he refunded the money to the SCAMMER 'S CARD. Him or anyone else from this company has reached back out to me to resolve this error. I even called for a supervisor and the rep stated the supervisor would give me a call back, 3 days later, no call back. This is ridiculous the type of service and type of issues i am having with this company all because i was a VICTIM of identity theft. I NEED A SUPERVISOR LEAD, THE HIGHEST FORM OF CONTACT FOR THIS COMPANY TO GIVE ME A CALL AT XXXX. Not only did i not get the " REFUND '' but is has been given back to the SCAMMER along with the fraudulent orders that were placed! They had ample amount of time to cancel those orders when i first emailed and called them on the DAY it was initiated that I did not place those orders and someone else had access to my account. Like i stated before, if this issue is not resolved appropriately i will be taking legal action against ZIP. I have recordings, proof of email and calls, everything that I need documenting when, how, and what. Try me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation