vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX we got help from XXXX XXXX XXXX they sent our mortgage company {$35000.00} and a XXXX loan to catch up our arrearage and the rest was applied to the principal which brought our payoff to XXXX. Then our mortgage got sold to a different debit collector. We sold this place in XXXX XXXX XXXX and for some reason our payoff after 7 years of payments it was still at XXXX where did our payments of 7years go to. This loan switched hands at least 6 times before we sold it. I feel that the payoff on XXXX XXXX was wrong. We had also with the XXXX had a deferred amount that was to be paid at payoff was added to our balance a least 3 times the amount was {$8200.00}. I am hoping that you can look into this matter so no one else feels used like we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My personal information was stolen and used to open multiple accounts that I did not authorize. This has happened over a XXXX  year period which I was unaware of until I learned how to check my credit and how credit works. I didn't know how to dispute these matters until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: WA

Complaint narrative:
To Whom it XXXX concern, RE : XXXX XXXX Pursuant to XXXX XXXX Code XXXX ( XXXX ) ( B ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian Credit Bureau. I sent letters to Experian Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Experian, the inaccurate information about my accounts is still on my reports. Experian Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00}

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. 


XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've had Navient as my Student Loan Provider for almost a decade now. I've done a good job of making payments up until recently. I've been out of work and despite explaining this to Navient that continue to call and harass my phone and the home phone line. I'm getting over a dozen calls a day. Every time I speak to Navient they tell me they will note my account but I'm IMMEDIATELY called on my home phone after we get off the call. Despite speaking with them they continue to call every single day. It has become a drain on my mental health and is affecting the relationship with my parents because of the harassing phone calls. 

These calls are also being sent with some form of Auto-Dialer. You can tell because there is a pause on the line before someone starts speaking. They wait for you to answer before a live person is put on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my consumer report. It has been well over XXXX days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX  XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.

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 2022-02-17 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX fXXXX XXXX XXXX ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ally financial XX/XX/XXXX wish automotive XX/XX/XXXX XXXX XXXX XX/XX/XXXX first premier bank ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Account Name : CONTRACT CALLERS INC Original creditor : XXXX XXXX XXXX {$820.00} I was going through Chapter XXXX bankruptcy. This has been resolved through Chapter XXXX bankruptcy. Contract callers have incorrect dates for the account. I have reached out and disrupted this account with all the credit bureaus. 

I have attached supporting documents for your review. Please let me know if you need any additional information on my end. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :XX/XX/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 2022-02-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Every single call to Experian is either ignored or placed in an endless automated phone loop. I went over my Experian credit report and they are not only displaying inaccurate information for themselves but have inaccurate credit information from the other two agencies ( i.e. false credit scores ). 

I have called them the day before yesterday and now again today ( This, XX/XX/2022 ) Is this normal for them? If they do the least why are they allowed to make important decisions that affect our lives?

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I got a Comenity card from XXXX back in XXXX, apparently XXXX stopped using them as creditors for their credit cards. I still had to pay off what I used with Comenity when they were no longer affiliated with XXXX. XX/XX/XXXX I received a statement showing what I owed and that I still had available credit to spend proving that the account was open. I called them to set up payment arrangements to pay it off and told them to close my account. I no longer wanted this card so my next statement XX/XX/XXXX showed that my available credit was XXXX but also showing what I still owed. I have statements from XX/XX/XXXX until XX/XX/XXXX showing that I paid this card off. I kept paying the remaining balance yet they still kept charging me a finance fee and if I didn't pay that Finance fee on the account that was supposed to be closed they would charge me a {$40.00} fee racking up more debt. They refuse to close this account and they keep charging me every month a small Finance fee that's two or three dollars that again, if I don't pay they will rack up a {$40.00} fee every month on that two or three dollars. Mind you the only reason I had this card in the first place was to purchase things from XXXX, this creditor was no longer affiliated with XXXX therefore I no longer needed it so when I paid it off it should have been done with but they continue to send me statements with a new balance every month with finance charges when I have called them over and over again about closing this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX. I sent this to aidvantage who is formerly known as XXXX Department of Education loan servicing. This was sent through XXXX certified mail and they had received the document return domestic card on XX/XX/XXXX. The XXXX tracking information is XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX. This corporation has been practicing non compliance towards me. It is past due and I'm filing this compliant to show. I contacted them properly and they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to myXX/XX/XXXX daughter PLEASE 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 non-monetary relief
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX {$6000.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX {$9600.00} Date Opened : XX/XX/2016 Collection XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$5900.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$0.00}

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today is XX/XX/2022 and this is my fourth time trying to submit this complaint about Experian to your company and each time my complaint has been rejected in your system. I XXXX XXXX XXXX XXXX XXXX is submitting this complaint for myself. I just got off the phone with your representative and your system wouldn't even allow her to submit my complaint by phone. What's really going on. Are you trying to do a stall tactic or what?????? This is not a joke for me. 
I have submitted my complaint to Experian numerous times along with several documentations verifying that I'm a true victim of identity theft and they are refusing to re-investigate my claim of the inaccuracies. erroneous and misleading information on my credit report. I'm a victim of several different companies : XXXX, XXXX, XXXX, Experian, XXXX, and the XXXX sent me a letter notifying me that someone has used my information to gain employment under my social security number. I have sent an XXXX reports and documents to back my claim on numerous occasions regarding my identity being stolen to the credit bureaus so that they could investigate and the have ignored my request and have also refused to investigate. I feel that this is a case of estoppel by silence which is a violation of my rights as a consumer.

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