vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX 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 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 2022-06-27 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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One secured credit card Made a payment of {$250.00} from my primary checking account on XX/XX/22. It was immediately taken from my account. I waited XXXX  days, called capital one & asked why it had not been applied, & I was told there was a waiting period because just weeks before that XXXX of my payments was returned >> I was told it had to be held for XXXX business days >> I called XXXX  days later, then I was told it would be available the next day. At that time, I asked to speak to a supervisor, w the same answer. I called the next day, was told XXXX more day, spoke to a supervisor again, was told I had to do a XXXX way bank call to verify ( which I did ) absolutely unacceptable! They basically had my money to use for their needs for over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: PA

Complaint narrative:
I reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXX XXXX Checking Account and a XXXX credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened XXXX account when XXXX sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to XXXX and XXXX XXXX  to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, Transunion has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about XXXX  points, from high XXXX to XXXX. I have contacted TRANSUNION multiple times, have called them, and sent them every report they requested : the FTC report, the XXXX XXXXXXXX Police filing report ( case number ), and the information of the XXXX credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent XXXX credit card. I received a new letter from Transunion on XX/XX/2022, and again, they are refusing to remove the fraudulent XXXX account and my credit rating is negativity impacted MONTHLY. I was informed by XXXX that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell Transunion that, as Transunion informed me they were contacting XXXX to investigate. Yet, Transunion is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from Transunion of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.

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 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was in forbearance with the Golden 1 Credit Union Mortgage Dept from during the Pandemic and was approved for a deferment for the months of XX/XX/XXXX to XX/XX/XXXX ( which outstanding mortgage payments were pushed to the end of the loan ) and start fresh with regular mortgage payments in XX/XX/XXXX. I have made payments from XX/XX/XXXX through XX/XX/XXXX. Somehow my XXXX and XX/XX/XXXX payments were applied to the deferment and caused me to be behind again. I have made numerous calls to the Golden 1 CU Loss Mitigation Dept and they finally corrected the error in XX/XX/XXXX. However during these months my mortgage payments was misallocated since it was showing I was delinquent. The following are where my payments were applied to : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX I have made 15 calls to the Golden 1 CU with no resolutions. Each time I call I get transferred from customer service dept to collections s dept and then to loss mitigation dept. Not one dept is willing to help me resolve this. Is as simple as movi g the oayments back to where it belo gs to but the whole organization do not have one single person or dept that can do that. Each phone call is approximately 2 hrs long as i am transferred and passed on to another dept each time. I spoke to several supervisors who said they will help me resolve this and reach out to the loss mitigation dept but never receive a call back. When I call to speak to the same supervisor I always get another supervisor and have to explain the situation again. Still with no resolutions. I am very stress and frustrated, therefore I reached out to our congressman XXXX XXXX who then provided your website to file a complaint. I have health issues and have been struggling to make my mortgage payments but tried my best to do so. I would push back other bills just to make sure mortgage payments are made. I have been working g part time only on reduced schedule due to health problems. And in XX/XX/XXXX I had XXXX and did not work nor made my mortgage payments for both XXXX and XX/XX/XXXX. I am afraid that I will lose my home and this is the only home I have to keep a shelter for my children. Please, please help me resolve this. 

Sincerely,

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 2022-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient was sued by XXXX XXXX XXXX across the nation and they stated they would cancel the debt of the loans that had defaulted based on certain criteria laid out in the finalized agreement with the court. I received a response from Navient that unfortunately while I met all the criteria for student loan cancellation, my loans were not on the list of for profit universities through my CFPB complaint. The CFPB closed the case. However I stated I fall under Category 3 Non traditional Private loans below : Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after 2002. Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX  score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. Please see page 42 on the consent order that Navient signed under Category XXXX Criteria for non traditional private educational loans. 

Navient has done nothing to cancel my defaulted loans, and refuse to cooperate and instead believe I do not qualify while simultaneously acknowledging that the loans have been past due and delinquent for years and say they do not understand because when I forwarded them the signed agreement the representatives believe I should have the loans cancelled. 

I do qualify for the debt cancellation for every tuition answer loan that was taken out. I under the Category 3 Criteria non traditional private educational loans. I had a XXXX score under 640, tuition answer loan XXXX, to attend a not for profit educational institution. 

I asked Navient to respond to my request and they sent a letter that I attached below from XXXX XXXX an advocate for Navient. 

I requested to show proof that my XXXX  score was above 640 at the time of origination and they stated they would research the information. However, since they already made this decision wouldn't they have proof that my XXXX score was above 640 considering they sent this letter stating I didn't qualify. 

The facts present that my XXXX score could not have been above 640 at time of origination because I had to have a cosigner. 

Navient is not cancelling the loans as they have stated they would do with the Multi State GA agreement. 

I qualify because my XXXX score was under 640 at time of origination, under the order of the court. 

I have attached all correspondence from Navient and myself. Also, I have attached the XXXX XXXX agreement. Please see page 42 under Category XXXX private loan cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited a check on XX/XX/XXXX and this company put an 11 day hold on my account. Tidal is XX/XX/XXXX and now this bank still has yet to release my funds and when I called they are now saying my funds will be released by XX/XX/XXXX midnight today so the XXXX of XXXX. I am staying in a hotel and this hold has practically caused me to be XXXX  it has made my credit card payments late and my storage unit. It has cost me XXXX of dollars in late fees! This bank has no right to hold my funds another day! Now I am going to be kicked out of the hotel I am living in! This is outrageous and illegal!

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 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
I paid in XX/XX/2020 for a collection bill for XXXX XXXX XXXX electric bill of {$270.00} account # XXXXHELVEY & ASSOCIATES INCORPORATE never discussed anything about disputing after I paid my account. I asked HELVEY & ASSOCIATES INCORPORATE to remove and dispute it from my credit report. They stated that they could not remove it and that it would remain on my credit report. HELVEY & ASSOCIATES INCORPORATE never said that at the beginning of me paying for my account. HELVEY & ASSOCIATES INCORPORATE has affected many customers by not removing or discussing anything about disputing a collection. HELVEY & ASSOCIATES INCORPORATE is not a XXXX  ACCREDITED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase discriminated against me and denied me the my right of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: EdFinancial Services
State: FL

Complaint narrative:
Edfinancial Services Is incorrectly reporting balances that do not have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, someone opened an account using my SSN with Truist Bank on XXXX. I did not open an account with them. I spoke with the Bank and was transferred to the faud department and was kept on hold for more than an hour. Please help me to dispute and close this account. I am in the process of seeing what other damage has been done.

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 2022-06-27 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I keep getting debt collection letters from " Portfolio Recovery '' and debtors, of multiple Collectors for the same debt ( s ) and I asked for a " signature agreement '' or original copy of the credit card or my " Special Fonts '' signed e-signature to prove these debts are " Not '' from the Identity Thieves, that Stole my personality and keep Selling my info and data over the internet. I received a normal monthly type " bill statement with my name typed onto a state and bill. The Thieves have that " personal Info '' same as these Debt Collectors. but, The Credit Agencies have alerted me many times, that my personal and info is being shared over the Dark web. I can't seem to get the help or verification of my " signature document '' from any of these Collectors and my cases just get closed as the debt collectors send you all at the Consumer Financial Protection Bureau ( CFPB ) and the credit agencies the same " statements '' with my personal name and address and then you all close the cases and so does the credit agencies. where is the " Reporting and Collecting Proof of signature Agreement???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: OR

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation : and I filed with TransUnion a dispute for investigation for a fraudulent collection. 

Dispute Results Report Created On : XX/XX/2022 File Identification Number : XXXX Report disputed on XX/XX/2022 Name XXXX XXXX ACCOUNT NUMBER XXXX This was my investigation results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Closed. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The account still shows open it also shows XXXX missed payments since the opening of this account but that cant be accurate if my account is in collections according to my credit report. Investigation did not give me complete information requested per dispute.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Experian account number is XXXX I have tried on numerous occasions to correct my personal identifiers on my credit report to no avail. 

The only information being report that should show : Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, MD XXXX XXXX XXXX XXXX - telephone XXXX XXXX XXXX - birthday

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 2022-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
Based on new information, this complaint is a renewal of complaints XXXX and XXXX and the documents that are submitted with them. As we have now discovered that we are victims of the harm we alleged in those complaints against XXXX XXXX and their assignee, our new mortgage servicer Rushmore Loan Management. The loan modification that Rushmore Loan Management Services forced us to accept in XXXX of XXXX, with a XXXX month trial period, which added an additional {>= $1,000,000} dollars in principal and XXXX years beyond the normal XXXXyear mortgage, has put us at a disadvantage as we have been notified while seeking to refinance that our previous loan should have never been written as such and is harmful to securing new terms. Specifically, the mortgage rates we could have secured when the modification was being written were almost XXXX points lower and would have resulted in an annual savings of XXXX  of dollars ( at least XXXX monthly ). And because of the increased principal, any monies we now seek to access in the form of equity will increase our mortgage payment further beyond that which Rushmore crippled us with. This was revealed in a mortgage refinance we applied for around XX/XX/XXXX, and can show where our mortgage increases to {$1500.00}, or an additional {$340.00} a month because of our desire to access the same amount of equity, even at a lower interest rate. We believe that Rushmore Loan Management Services rushed us into a bad loan when they knew we were vulnerable, and strategically installed a number of predatory measures in our loan that were designed to keep us beholden to them during a time when they knew or could have predicted the financial crisis that existed and how mortgage rates would respond under these conditions. This places us in a dilemma where if we access the equity we have earned in our property, we end up crippling ourselves in the form of a higher mortgage and principal balance. This is unjust and detrimental to us and will have long-term consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a notification that my credit score had dropped on my Experian account XX/XX/XXXX, I checked my Experian credit report and saw that there was a collection on there from a company called XXXX XXXX. When I clicked on the name it showed details that said that the original creditor was XXXX XXXX and they had referred me to a collection agency for not paying a bill. 

However, this is NOT by bill. I have never used XXXX, I have been with the same phone service for almost 20 years now, and it is XXXX XXXX XXXX XXXX Therefore, this collection does NOT belong to me. 

XX/XX/XXXX, I initiated a dispute via the app about this incorrect information on my report XX/XX/XXXX, I called Experian and they confirmed they received the dispute and suggested I go to this website ftc.gov and file a fraud report, and then upload the report back to Experian

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