vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: AES/PHEAA
State: CA

Complaint narrative:
In early XXXX my family and I arrived in the US due to a medical emergency. My daughter got accepted to XXXX XXXX University but I did not have any money and was unemployed. Notwithstanding my financial situation, I was told by the finance office that I would be approved for a parent-student loan to cover what shortfall my daughter had for her tuition. Long story short, I am in for over {$130000.00}. I eventually found employment in XXXX and worked for XXXX XXXX for 5 1/2 years. I applied for PSLF but was denied because I was not able to pay the required minimum payments. Because of XXXX XXXX  in my job, I decided to retire in XXXX and have not been making payments in part also due to the hold issued by the government during the pandemic. My issue is that why did they approve me for a parent-student loan knowing that I had no money and was unemployed. Had I known that I would rack up this much debt, I would have either sent my daughter back to the XXXX or forced her to look for another school. I have no means to pay and I have already cashed in my 401K just to survive. What can I do about this? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
RECEIVED NOTICE FROM PACER THE ENTITY THAT STORES US COURT DOCUMENT 'S RELATED TO COURT FILINGS... THE PUBLIC RECORD XXXX RNK HAS BEEN REMOVED AS THE UNITED STATES DISTRICT COURT ORDERED ... THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED AS DIRECTED BY UNITED STATES BANKRUPTCY COURT ... EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE THIS 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 explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initially opened a claim - XXXX - and just got my response back and the reasoning is ridiculous. 

My complaint was because I was scammed out of my money by a verified user on XXXX, but unfortunately they had their account hacked, so the money I sent them for charity went into a scammers pocket. 
Because of that, I went to a local branch of Bank Of America and asked for help and was told " We suggest you don't use XXXX. '' That comment, and the unwillingness to help, led to my complaint. Not that BoA made an error. 
My reasoning is why offer a service and tell your customers to use it, but offer no protection for when they do use it, and are unwilling to help them when they do use it, and that you're own employees caution you about using it in the first place? 

In response to my complaint, BoA said it's not their error and I should contact the person I sent the money to and ask for it back. 
Yes, I'm supposed to contact a scammer, that hacked someone's account, and ask for it back. How does one even go about doing that? If I knew who that was, I would be going to the police, not making an online complaint. 
Believe me, I've tried tracking this person down, I found numerous fake companies associated to them. I found an address in ND, which is most likely fake. But I've tried! 

XXXX is a system designed for scammers, where all the protection goes to the scammers, and BoA and XXXX know this and refuse to change anything or help in any way. 
" Not our problem '' and washing their hands and turning their backs.

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 2022-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mortgage Research Center, LLC
State: OK

Complaint narrative:
On XX/XX/2022, I submitted an application to Veteran 's United for a pre-authorization for a mortgage loan. When I checked my credit a month later, it had a XXXX XXXX XXXX added to it. I did not finish applying for the loan, and did not take it out. This brought down my credit to the point that I am having trouble applying for credit lines. I do not owe the company any money. I contacted XXXX and they stated that if I were to get a letter from the company stating they did not intend for this to happen, I would be able to get the inquiry removed and everything would be reversed. I have emailed the company, and they said there is an adhesive disclaimer stating they may make a credit inquiry. The adhesive clause does not provide that XXXX points can be taken off of my credit score. Since this went through all three credit bureaus and they have a scoring model defect, I was directed to take this issue up to them. I am very upset that this has happened, I believe the credit bureaus need to have scoring models that are not bias against a consumer for not getting a line of credit. I also believe that this is an excessive amount of points to be deducted. United Veteran 's will not give me a letter to remove this inquiry from the 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 explanation
Consumer complaint received 2022-08-19 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I entered into XXXX during XXXX - 18 Months. at the end I was told to start my regular payments on XX/XX/2021. I resumed making Payments I am in the time frame of 18 months to now move into deferral and my mortgage company is dragging their feet not to mention is now reporting that I have not made payments to credit bureau which is false reporting. They have dropped my XXXX credit score to below 500 due to their incorrect reporting. I have called 3 times a week to check on the paperwork which has not been completed only to be told it takes 30-60 Days, meanwhile I have made every mortgage payment for the past year on time. They are destroying my Credit.

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 2022-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached 3 FTC reports with inquiries I did not authorize and would like to have them deleted

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 2022-08-19 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: RI

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 2022-08-19 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:
RECEIVED NOTICE FROM PACER THE ENTITY THAT STORES US COURT DOCUMENT 'S RELATED TO COURT FILINGS... THE PUBLIC RECORD XXXX XXXX  HAS BEEN REMOVED AS THE UNITED STATES DISTRICT COURT ORDERED ... THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED AS DIRECTED BY UNITED STATES BANKRUPTCY COURT ... XXXX HAS FAILED TO PROPERLY INVESTIGATE THIS 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 2022-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
THIS BUSINESS HAS BEEN VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT BY SOLICITING CONTACT INFORMATION AND LOCATIONS FROM FAMILY MEMBERS AND NON-MEMBERS. THIS COMPANY HAS LEFT DETAILED VOICEMAILS PERTAINING TO ACCOUNT INFORMATION WITH OUTSIDE PARTIES CLEARLY VIOLATING THE ( FDCPA ) I HAVE BEEN CONTACTED BY SEVERAL INDIVIDUALS THAT THEY HAVE TRIED TO CONTACT VIA PHONE CALL, LEFT VOICEMAILS, AND SPOKEN TO INDIVIDUALS REGARDING SENSITIVE ACCOUNT INFORMATION AND DEADLINES. I HAVE BEEN SENT CONFIRMATION BY TWO INDIVIDUALS THAT HAVE RECEIVED VOICEMAILS WITHIN THE SAME DAY. I HAVE NOTIFIED THEM VIA CERTIFIED LETTER ASKING THEM TO CEASE AND DESIST THESE PRACTICES IMMEDIATELY AND NOTIFIED THEM THAT THEY ARE IN VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine! I've already asked this account to validate this account, and it has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: RI

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 2022-08-19 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: RI

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 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 2 FTC reports with inquiries I did not authorize and would like to have them deleted from Transunion

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 2022-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
It has come to my attention that CHRYSLER CAPITAL/ XXXX XXXX did not disclose certain vital facts in regard to the consumer credit transaction. Pursuant to 15 usc 1605 ( a ) ( 5 ) the finance charge includes insurance in which I had to purchase, and it's in the sum of all charges. Also, under 15 usc 1635 ( a ) I the consumer was not informed or provided documentation of my right to rescind on the transaction. 

I was rushed into a car the day of purchase without any knowledge or documentation of the rescission paperwork, nor did I receive it in the mail. 
I had to pay for insurance out of pocket and insurance is supposed to be in the finance charge which is also the sum of all charges why am I being charged interest, late charges, Security interest, service and handling fees and also a service contract fee? ( See paperwork attached ) This is a VIOLATION of my rights its wrong unjust and it has caused me stress from all the letters and phone calls. I've even received a letter stating that CHRYSLER CAPITAL will accelerate the maturity of the outstanding debt Pursuant to 15 usc 1692c ( c ) ( 2 ) I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you CEASE AND DESIST any further communication ( by phone/mail ) including automatic phone call system you have calling my phone more than once or twice a day. Unless in response to notify demands have been met.

. Pursuant to 15 us 1635 I have the right to rescind this contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Account was charged {$97.00} late on XX/XX/XXXX, this put my account into the red. 

I called on the XXXX, customer service was unable to dispute the charge at the time and was unable to set up fraud alerts on my account ( which I had never turned off ). 

On the XXXX I was able to lock my card & file a dispute on the card through Allys website. 

In this time I never once lost my card or disclosed my PIN.

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 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This was never my account! I'm not aware of this account. I never signed a contract with this account. I should not be held accountable for this account because it is not mine! I have already asked this account to validate this account, and it has failed to do so.

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 2022-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
3 Remaining Negative Accounts. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XXXX XXXX This gym open a membership account without my knowledge they sent the account into collection and I was not aware I owe them anything Ive never step foot inside a gym I reach out to XXXX XXXX on XX/XX/2022 I explain to them the situation how I was sent to collections for some thing Im not aware of they told me I had to option I had to pay them the {$280.00}. or I have to create a brand new account and they will forgive me for the balance that I owed. Until this day XXXX XXXX have no record of me checking into the gym the only record they have of me check check into the gym was yesterday when I called the rep thats the only record they have its been over almost a year they have no record of me stepping foot in the gym

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. in my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had XXXX XXXX XXXX come to my home was interested was going for financing only because salesman ( XXXX XXXX XXXX said a soft hit only on credit report. I have alerts from Experian as soon as he ran it came back as hard. I should him, he called manger got number to XXXX .I tried to have them remove they told me to call Experian Experian would not take dispute. They told me they don't take disputes on inquires, Even though I have all information. This is not right I did not consent to this

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 2022-08-19 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: NC

Complaint narrative:
Experian has refused to delete and address that I do not live at from my file. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA 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