vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient was involved with the XXXX XXXX XXXX XXXX XXXX and the ART INSTITUTES with not allowing for co-signers to be released even after several. months, and years of good payments and active accounts. Navient has also raised the interest prices, set new fee prices without disclosing it, and also the company is still acquiring money for a loan that was from a PRO PROFIT institution and one of the most famous FRAUD institutions of all private colleges. Navient forgave accounts after being sued which were behind in payments but the accounts that were active and not in default were held to continue paying for an institution that has closed, and the diplomas and bachelors degrees aren't not worth anything. My loans have been paid for already. My interest rate continues to increase and no information is ever given on the new interest rates, the fees that are now different and also I have tried several times over the years of holding this loan and I can not get my COSIGNER off my loan. I do not have a default loan, I have been paying from the very beginning and they still will not release my sister off this loan. I have been penalized for staying positive on this account, for paying on time, and for over paying a loan to an institution that defrauded their students, and had already received forgiveness from the government as well as Navient. Navient was the preferred lender # XXXX to prey on students who applied for loans to online for profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These loans should also be discharged due to school misconduct, violations on with-holding information to underage students, not informing about new percentage rates, new fees added to the account, and the misconduct of not allowing the applicant to take their co-signer off their loan after so many years of proper payment. They have pigeon held my future and my credit rating, and now my cosigners for nothing. They have received more than my initial loan and it is not fair for the applicants who decided to stop paying to get forgiveness but the ones still trying to do what's right are being harassed by phones calls about paying your bill even when your on time, and the run around with misguided information about why you can't release a cosigner or even try for forgiveness of a school that has closed because of FRAUD. They will not even entertain a phone call to give you the right information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
We have been working with a HUD certified counselor to finally obtain a mortgage modification or loss mitigation workout. The counselor has submitted a third party authorization to be able to correspond with the servicer Specialized Loan Servicing ( SLS ) on our behalf in order to facilitate the loan modification. The counselor has submitted the signed authorization on 4 different occasions, each with a follow up email and phone call, and each time they have done so the servicer, SLS has not responded that they have accepted the third party authorization, thus preventing the HUD counselor from being able to move forward in helping us obtain a mortgage modification, and save our home from foreclosure.

The servicer, SLS has been using these delay and ignore tactics for over a year now, and using them with the HUD counselor for 4 months as well, and causing a delay in the modification process, hence driving up the cost of our arrears.

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation
State: OR

Complaint narrative:
We're getting notices from Concord Servicing regarding a debt we owe with our timeshare. When we try to communicate with them via email, they say we're not authorized to know anything about our debt despite repeatedly providing the information on the collection notice and providing a copy of what we received from them. We're not going to give them more information because we know that it will be used against us. Our account number with them is XXXX, and despite their refusal to acknowledge this, the debt is DISPUTED and needs to be returned to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-15 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: NV

Complaint narrative:
SST states they purchased a loan ( s ) from XXXX XXXX XX/XX/year>. I requested paperwork showing the purchase and new loan documents with SST. I have responded to emails and text message from SST since XX/XX/year> requesting the paperwork for the loan ( s ). To date they have refused to send me anything except statements asking for money. They are stating " for my privacy they can not send send that info through email '' So I requested they mail it to me ( they have my address on the statements they send me ) but they won't even acknowledge that, they just repeat themselves saying for my protection they can't send the info through email. The website shows nothing under documents. They have reported me as late to the Credit Reporting Agency on loan ( s ) that they refuse to provide paperwork on. I even sent them a official letter stating it was the law for them to provide me with the paperwork. Their response was " for my privacy they can't send the info through email ''. So I give up. But this needs to be removed from my Credit Reporting since there is no proof that the loans exist. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
unexpected increase in APR on my XXXX XXXX card to 34.99. this is Usery, from Synchrony bank, 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information on my credit report

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information on my credit report

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX and TransUnion, I am writing to dispute and request the removal of an account that has appeared on my credit report, which was reported by XXXX XXXX. After thorough investigation, I have determined that I neither opened nor possess any account with XXXX XXXX. 

The presence of this account on my credit report is not only inaccurate but also constitutes a violation of my rights. Despite my repeated attempts to resolve this matter with XXXX XXXX, they have failed to provide me with any contractual agreement or substantiating evidence to validate the existence of this account. 

I am formally requesting that XXXX and TransUnion remove this fraudulent account from my credit report immediately. It is imperative that my credit history accurately reflects my financial standing, and the inclusion of erroneous information by XXXX XXXX is unacceptable. 

I kindly urge XXXX and TransUnion to conduct a thorough investigation into this matter and take prompt action to rectify the inaccuracies in my credit report. Your assistance in resolving this issue promptly would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Your 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.

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 2024-04-15 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: IL

Complaint narrative:
On XX/XX/2024, I received a letter in the mail trying to collect a debt I allegedly owed. I called the debt collector, IQ Data International, and spoke with XXXX XXXX on a recorded line. XXXX XXXX repeatedly told me that my dispute with the debt was just " how I feel '' and that the charges against me were valid. I told him that I disputed the validity of the charges and told him why. He repeatedly shouted, talked over me, and did not listen to my statements. He implicitly represented that he knew the law and through an omission attempted to indicate that he was an attorney. This is a violation of 12 CFR 1006.18 ( b ) ( 2 ). He also openly mocked me on the recorded line. Please investigate him and his company for abusive and deceptive practices. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I lost my Job and fell behind in my payments. I went and filed a XXXX  XXXX Bankruptcy ( 100 % debt to be paid ) I have received a 100 % P & T rating from the VA for my service-connected XXXX and this is my income at this point. 

Newrez ( XXXX ) mortgage services have been misapplying funds from my payments and trustee payments. They show they have received more funds than the trustee has sent. ( The trustee sent the last payment to them in XXXX of XXXX as payment in full based on their claim ) My Escrow account XXXX XXXX had a surplus of over {$3500.00} in it. They did a second review and reduced it by {$2000.00} stating it was funds paid by the trustee and thus they can not give them to me. this was XX/XX/XXXX. I protested it, but at the recommendation of my Attorney, I decided to wait until my case was discharged. Now my Escrow has yet again had money removed from it. My XX/XX/XXXX statement showed I had an escrow balance of {$3300.00} in it. It also shows I am current on my XXXX XXXX payments. My XX/XX/XXXX statement now shows my escrow account has a balance of {$2900.00}. I called today ( XX/XX/XXXX ) to discuss this shortage and found they moved {$660.00} from my escrow account to a suspense balance account. ( partial payment ( unapplied ) ) I can see that in my statement. 

I asked why this money had been removed and was told it was fees paid by the trustee to them that were not applied correctly. ( same thing as Fall of XXXX ) My XXXX  XXXX shows they claimed {$17000.00} ( as stated, the last payment for that amount was sent in XX/XX/XXXX ) Newrez shows they have received {$18000.00} from the trustee with another {$1400.00} still due. Although I have made my last payment to the trustee and expect to receive my actual discharge within the next few days. 

At this point from what I can tell Newrez has taken {$2000.00} from my escrow in XXXX and has now taken an additional {$660.00} ( so far ) from my XXXX Escrow. Totaling {$2700.00} When I ask to speak to the escrow and/or BK departments that are the ones Newrez claims are making these adjustments, I am told they do NOT speak with customers. 

I was told in XX/XX/XXXX that my account was " fixed '' Now in XX/XX/XXXX they have to " fix it '' yet again. In the end, It looks like they are mismanaging my accounts ( Mortgage, Escrow, BK ) and hiding money to take advantage of someone who is just trying to ( and has ) make up for losing my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the my balance on my XXXX/Department of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company . 

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the my balance on my XXXXDepartment of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company . 

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME XXXX, XXXX. : ACCOUNT NUMBER XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-15 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: PNC Bank N.A.
State: PA

Complaint narrative:
I received two fraudulent charges to my account because of this I filed a police report. Upon filing the police report, I contacted PNC Bank for fraud reimbursement. After the investigation, PNC Bank neglected to refund my money, despite it being proven fraud by the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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