vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
When i graduated XXXX XXXX with an XXXX which was around XXXX, I reached out to XXXX XXXX to start making payments on my private loans. I remember being in forbearance for a year or two but then decided to start paying my loans because I wanted to build my credit and get rid of those loans as soon as possible. I had multiple discussions and arguments with Salliemae because they were never willing to work with me on a payment plan. During XXXX, someone I spoke to quoted me a $ XXXX/monthly dollar payment which was absurd giving my salary and expenses ( which I provided to salliemae ). Weeks later, sallie mae sent all my accounts to collections and that impacted my credit score negatively. My credit score literally went from the 700 hundreds to the 500 hundreds. Weeks later, I was having a conversation with another individual at Sallie mae and she noticed that whoever worked on my financial statement missed some expenses and made a mistake on my income which explains why I was quoted a {$2000.00} monthly payment. Now, in order for me to not have a deliquent status and my step dad who is the cosigner on the loan and has retired, i decided to agreed on the monthly payment of {$850.00} a month. Multiple times I have called sallie mae to try to reduced my payment because right now giving the financial situations everyone is going thru, I can not afford to spend almost {$1000.00} in students loans. I do want to pay my loans but they are not working with me to lower my payments. I still live with my parents and I'm honestly having family issues which would require me to move. My options are going to be to either pick up a mortgage or throw money out the window paying rent and forget about paying my students loans for now but I do not want to do that which is why I decided to reach out to you guys. 

I hope you guys can help me out with this! 

Looking forward to hear from you. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: OH

Complaint narrative:
On XX/XX/2021 XXXX XXXX pulled my credit report in error. XXXX XXXX notified me through correspondence dated XX/XX/2021 that it was sending a request to Experian to remove the inquiry dated XX/XX/2021. I sent the same letter from XXXX XXXX to Experian on XX/XX/2021 requesting that they remove the inquiry made by XXXX XXXX. As of XX/XX/2021, Experian has failed to remove the inquiry made by XXXX XXXX. Experian shows the credit inquiry as XX/XX/2021 when in fact XXXX requested the credit report on XX/XX/2021. XXXX XXXX has done its due diligence in assisting me in removing this inquiry from my Experian 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 2021-03-20 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: DC

Complaint narrative:
DISPUTING XXXX XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX DC XXXX SSN last 4 XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing XXXX XXXX XXXX also known as XXXX XXXX XXXX reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from XXXX XXXX XXXX also known as XXXX XXXX XXXX is false or untrue. 

I have attached documents showing an up to date payments from XXXX XXXX XXXX also known as XXXX XXXX XXXX .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( 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 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an ATM dispute. I tried depositing {$7500.00} in ATM on XX/XX/2020. While depositing, the ATM started acting up after I put my money in the ATM. The money door opened up and all the money i had was stuck inside the ATM. I tried pulling my money out but only half of the money was retrieved and the rest was stuck inside the ATM. The ATM went blank and restarted and after which the ATM was in error. I tried opening claim multiple times with bank of america but they keep denying my claim saying that i took the money out. I checked with the bank of america manager at the ATM location and she was able to validated all the issues i mentioned and her daily balance was indeed over by my missing dollar amount of {$4600.00}. I have called them numerous times and visiting the branch office many times but they would not resolve my claim. They forcefully closed my account due to negative balance and now that is being reported in my credit history. I am asking bank of america to fix this issue and the headache it has caused me for this nine months over the money they took from me.

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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to Experian XXXX and XXXX regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. BANKRUPTCY COURT Account Number : 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 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: IL

Complaint narrative:
I contacted JQF Lending, Inc. and applied to refinance my mortgage in early XXXX. My rate lock expired on XX/XX/XXXX. From early XXXX to XX/XX/XXXX interest rates rose dramatically. In late XXXX and early XXXX JQF Lending, Inc. began to request additional documents that were superfluous. It was an intentional delaying tactic. On XX/XX/XXXX they had contacted the insurance company that I insure my home with to change where my renewal premiums were to be sent. It proves that they had already approved my mortgage. On XX/XX/XXXX they sent me a new set of closing documents and added {$380.00} of points. I told them that was unacceptable. After XX/XX/XXXX they again asked for superfluous documents. Today, XX/XX/XXXX they sent me a new set of closing documents that added an additional {$540.00} of points to the {$380.00} they had previously attempted to extort from me. They clearly do not want to do this loan. They should not be allowed to continue in this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: MD

Complaint narrative:
To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low 500 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped 16 pts? From XXXX to XXXX. I don't understand. This is unfair. XXXX  has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, XXXX claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low XXXX 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped XXXX pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: CA

Complaint narrative:
There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I consumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2019 I consumer XXXX, XXXX, XXXX starting receiving several notifications after the Consumer credit transaction with XXXX XXXX XXXX XXXX from AD ASTRA RECOVERY SE stating I owe a alleged debt in the form of mail as well as furnishings other deceptive forms to make me believe I owe a debt when in fact, I know I dont. Ive never heard of or do I have a binding contract between myself and AD ASTRA RECOVERY SE. AD ASTRA RECOVERY SE Is in Fact in VIOLATION OF 15 usc 1692j ( a, b ) ; Furnishing certain deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX  Transunion and XXXX  regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX COURT Account Number : 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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are chapter 13 bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX XXXX and Equifax regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I contacted the creditor that was listed on my credit report to inform the company that this account doesn't belong me, nor have I authorized anyone to use my information for the account.

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 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I sent my recent payment to NewRez on/about XX/XX/2021. Normal processing indicates that the payment should have been processed on/about XX/XX/2021.The payment appears to have been processed on/about XX/XX/2021. I did not identify the mailed payment by way of a certified mail or by way of registered letter. Therefore I can not speak specifically to delay in payment processing or to delay in U S Postal Service handling.

I plan to submit future payments by way of certified mail. I shall file future complaints if NewRez is in fact slow in payment processing or if the U S Postal Service is untimely in its service pattern.

I would like for CFPB to determine if the U S Postal Service is maintaining timely delivery to the NewRez address in XXXX, OH XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed account without notification other than mailings. 

Letter dated XXXX XX/XX/2021. I had already received notification of closed accounts and numbers, this was in addition to. 

Questioned fraud and disputed unauthorized transactions following XXXX  to this account.

Several attempts made via phone to fraud dept., disconnected, no service.

Noticed differentiation in headers of two mailings.

Suspect fraudulent.

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 2021-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To whom it may concern, After checking my personal credit with your company, I noticed that you are currently reporting incorrect information to my credit file. The personal information section on my credit report contains information that does not belong to me, I am aware that there are many individuals who may have the same name as I do, however only accurate information should be reported to my credit file. I am asking that you correct the following information. 

Please remove the incorrect names you have listed on my credit file. My name should only be listed as XXXX XXXX this is the accurate spelling of my name, and should only be listed as such. 

Please remove the incorrect addresses you have listed on my Credit File, My address is XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX this is the only address that should be reporting to my Credit File, please remove any other listings that you may have. 

Please remove the incorrect phone numbers you have listed on my Credit File, my phone number is XXXX, this is the only phone number that should be reporting to my Credit File, please remove any other listings that you may have.

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 2021-03-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation