vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been struggling financially and am behind on rent several months due to covid / work and can not make my monthly Navient payments because I'm attempting to pay back what I owe for rent. I have court dates set up for the next few weeks because my building is attempting to sue and/or evict me if I don't make my payments. This is extremely stressful and difficult for me as I'm trying my best to pay my rent every month. Navient doesn't care or understand that I can not make my monthly payments with them in fear I will have nowhere to live. They expect me to pay almost the same amount of what I pay in rent every month and it is impossible. They won't help me and although I have tried to recently make payments with them, I can not make any more in the future for my rent is my priority right now. They refuse to turn off my auto pay and expect me to pay them instead of my rent. They are robbing me of my livelihood. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
Transunion has put a freeze on my report, they stated they sent out a code that is required to unfreeze my report but i have yet to receive it in the mail. Transunion is also displaying a number of inaccurate delinquite accounts that are affecting me from accessing credit from other lenders this is an unfair practice according to the FCRA pursuant to 15 usc 1692e8 False or Misleading representation. I just ask that all negative accounts be deleted immediately. I have endured emotional distress from this company and trying to get them to come with a solution. if this matter is not resolved i will pursue litigation against Transunion in this matter of suing them for actual damages sustained. This statement is deemed to be true and accurate. 

-sincerely 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 2023-01-15 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: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: NJ

Complaint narrative:
Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

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 2023-01-15 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:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Someone opened a XXXX XXXX card with Bank of America using my maiden name

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Lexis Nexis is reporting false inaccurate information to credit bureaus. My report indicates that I have a bankruptcy from 2019. I am requesting Lexis Nexis to validate this information and send me proof of the accurateness of my report. I also want to know who reported this bankruptcy to you. I have reached out to the courts and I was told they DO NOT report to credit bureaus or any other agency for that matter unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is so frustrating because you have these companies like PayPal charging and making huge money but seemingly refuse to deal with even the smallest of details, details that are core to why people use them and are supposed to have confidence in which I'm referring to consumer protection features they boast about! The first complaint was about a flaw in their system regarding filing a claim and no doubt they did nothing to correct it. That situation was over returning a product and now I have returned the product, did everything I was supposed to do and within the proper timeframes ... PayPal closed the matter indicating I did not respond on time but XXXX, on XXXX I got a notice that hadn't provided tracking information but I have an email from PayPal on XX/XX/XXXX stating, 'thank you for providing the tracking information ... ' ( email provided ). On XXXX I sent a message that I had provided the tracking information, no response. On XX/XX/XXXX I got a message that the case was closed but without a refund. In fact, the item was delivered to the seller on XX/XX/XXXX but yet still no refund and PayPal has done nothing, even acknowledged they had the information...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX/XXXX/2022 I opened an amex high yields savings account in order to use as a life savings, depositing 20 % from my my at the time job into the account. I left the company for a better opportunity which unfortunately was terminated due to my recruiter failing to properly process my onboarding, and in preparation for bills I attempted to withdraw my money from the savings. Without informing me they cancelled my withdraw and closed my account. I had been trying for weeks to get my money back and they keep refusing to mail me a check and state I must contact my former employer to reverse the funds. All contacts to my previous employer has proven unsuccessful. They refuse to listen and refuse to return my money. Apparently me depositing my own direct deposits under my name and then attempting to withdraw to a different account under my name raised fraud concerns and they are refusing to give me my money. I needed that money for my long overdue credit cards and bills and this bank just made the beginning of the year a living hell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XX/XX/22 I sent a debt verification letter to Arbor Solutions and never got anything back. My information was sold to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: GA

Complaint narrative:
They wont show me original documents stating that I borrowed {$30000.00} from them. They wont show me no signature that I borrowed any money from them. XXXX XXXX XXXX account number XXXX. According to 15 USC 1681 602 a and 15 USC 1681 602 b and 15 USC 1681c section 5A. Remove this account from my credit report please and thank you.

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 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Sunday XX/XX/2023 this is the email transunion sent me on XX/XX/2023 now Im done dealing with these people because it is clear that they are lying to someone! I am requesting that the negative marks on my credit report be removed immediatly as for in the future they are just going to keep lying about my account until I give up. I am serious about removing them and requesting information on where to start with a lawsuit!!!

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 2023-01-15 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: IN

Complaint narrative:
I have been contacting and sending documentation to the XXXX credit bureaus for over a year now about my credit report and how things are not correct on all XXXX bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!

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 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
Acquired unsecured loan from lending tree in 2019. Requested {$15000.00}. Received {$14000.00}. 
{$900.00} loan origination fee never disclosed. 
Made payments on loan amount received for over a year. Lock down due to covid 19 caused loan to fall into default. Now loan is in collections. 
Collection company states I owe {$15000.00} plus court costs. Default judgment awarded to collections even though I disputed collection amount. 
How can I owe more than the original loan amount?

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 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act 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 : 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 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Cease and desist letter was sent out and received no response from the company Legally there is no contractual obligation. They have not engaged with me in any contract, nor services or goods exchanged. Its called extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Closed my account XX/XX/15. Entire balance is starting from a membership fee that was assessed. Membership fee waived due to the account being closed. That is a 30 day cycle where the account does not have a balance. Therefore no fees should be assessed. The balance on the account is invalid and almost feels like fraud. I was told XXXX year I wouldn't get a fee anymore and then once I get XXXX it doesn't get paid bc I am not expecting it and now once I close the account you can't waive the fees. On top of that I asked for my complaint to be escalated and to call be back and I was not called back which is why additional fee assessed.

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 monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I contacted the company by letter and expressed that the debt in question was due to stolen identity. I was told that the would investigate this issue and get back to me. 
I received a letter stating that the information was correct. My problem is this my information was taken and used with out my knowledge and or permission. The letter that I sent to the company asked for copy 's of a sign contract, video and or me using this card all that the was able to tell me is that the application was completed on line and their investigation was correct. I sent a proof removal letter and a copy of the XXXX XXXX XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX 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 : 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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
Robinhood let someone transfer {$5500.00} out my account XX/XX/2021. Individual had there bank account attached to my Robinhood account because she had owed me money I forgot to remove persons account from mine. She had gained access to my account and transferred {$5500.00} from my account to hers. Robinhood wouldn't let me access my account for 4 months. Once I finally was able to see money was gone they refused to do anything about it. This is a individual account as Robinhood does not offer joint accounts. Money was transferred to a chase bank savings account. XXXX XXXX  said they have no problem returning the money but Robinhood has to initiate the process. Robinhood refused to do anything. I'm out {$5500.00} XXXX XXXX  said Robinhood should get my money returned any other bank would. Robinhood is a bunch of criminal fraudsters. Don't trust them with your money. I will upload pictures where transactions kept getting declined my account should have been froze for suspicious activity but instead Robinhood rejected the transaction about 10 times then finally decided to let it be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. 

Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement from me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act 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 : 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 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Consumer attempted to investigate an alleged debt via certified mailed notice received XX/XX/2023. Synchrony Bank in turn restricted the consumer account in retaliation possibly as stated in a notice dated XX/XX/2023. That is an adverse action toward the consumer and true creditor pursuant to 15 USC 1691 ( d ) ( 6 ). Synchrony Bank also reported negative and unverified information to consumer reporting agencies. The consumer does not consent to, benefit from, or authorize the actions of Synchrony Bank.

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