vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
According to Fed loans, I do not qualify for forgiveness. They have said that I only have several payments towards the forgiveness and are not counting previous payments I have made though the years. My original loans were for approximately XXXX and I current owe XXXX! Although my salary may look high on paper, with inflation and the cost of my travel to work, including gas and tolls, I can not afford to pay the estimated XXXX. 
I am in debt and literally can not make ends meet and they have been raising the cost on everything and expect us to pay more!! I can not do it and it is not fair, I have been a XXXX XXXX XXXX XXXX teacher for XXXX years. We should be getting credit for that. Not to mention all the fraud I hear about from people who lie about being XXXX. I want to file a complain with the president but he is worried about things that have no importance. We are at the brink of war and student loan debt that will only get worse since so many can not pay it back when payments are reinstated. How do they expect us to live!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-04-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. 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 XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-12 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:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX. 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 XXXXThis 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA Violation XXXX loan late payment XXXX XXXX XXXX XXXX FRCA Violation collections 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 non-monetary relief
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA XXXX XXXX XXXX XXXX XXXX TEXAS XXXX EMPLOYEES XXXX FRCA Violation collections 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 2022-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
In mid XX/XX/2021 I received a letter in the mail from Aidvantage saying I had a great opportunity through some government program that I have the possibility of having my student loans forgiven or reduced. I called the number and started the whole process. I sent in documents, paid them {$800.00} to consolidate my XXXX or XXXX loans into XXXX loans. They said this would greatly reduce my monthly payments. I gave them permission to auto draft my monthly payments once the pause on student loans were lifted. They began pulling {$40.00} a month ( that was agreed apon based on my income ) in XXXX. I thought this was odd since the pause on student loan payments had been extended. I decided to keep going with the payments thinking that I may as well get a head start on these payments since there will be no interest until the payments are unpaused. Around XXXX was when I started getting phone calls from another document prep agency that also works with Aidvantage saying that I still had stuff incomplete. I call them and they start going through the whole process again. I tell them that I already paid {$800.00} to consolidate my loans and that {$40.00} a month has been taken from my bank account for my student loans. They tell me they have no evidence of this occurring. They told me to call who I dealt with before, but I either keep getting a busy dial tone or a disconnected line, or I have to leave a voicemail. I have been trying to get in contact with the people who can help me figure this out to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
I contacted Experian with regards to the collection account XXXX XXXX XXXX I requested Experian provide me with the documentation ( Signed XXXX form ) that was sent to them ( Experian ) in order to verify the accuracy of this medical collection. Experian responded with a generic letter stating this account was verified as accurate. I advised Experian that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Experian still continues to report this collection on my 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 non-monetary relief
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-12 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: KY

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / 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 explanation
Consumer complaint received 2022-04-12 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: KY

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / 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 2022-04-12 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX/ {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American express did not give clear info on credit reporting. Signed up for a payment plan to make account current. Account became current on credit report now shows delinquent although Amex informed me that my account would no longer report as delinquent because my payments are automatically Withdrawal. Account went delinquent again and they refuse to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I depoisted a check into my XXXX XXXX XXXXXXXX XXXX ON XXXX XXXX SINCE I RECENTLY OPENED MY ACCOUNT I WAS TOLD IT WOULD BE A HOLD OF FUNDS UNTIL XXXX. ON XXXX I CHECKED THE ACCOUNT AND THE FUNDS WERE NOT IN THE ACCOUNT. I CHECKED THE ACCOUNT ACITIVITY AND SEEN THAT MY DEPOSIT WAS MADE ON XXXX, AND ON XXXX THE CHARGES WERE REVERESED.I CALL THE BANK AND WAS TOLD MY CHECK WAS INVAILD AND NOT GOOD. I RECEIVED A LETTER IN THE MAIL ON XXXX SAYING MY CHECK WAS INVALID AND IT WOULD BE RETURNED IN XXXX DAYS. WELL TODAY IS XXXX, I STILL HAVENT RECEIVED MY CHECK BACK OR A CREDIT TO MY ACCOUNT. THE CHECK IS A CLASS ACTION SETTLEMENT SO I KNOW THE FUNDS ARE THERE AND CHECK IS GOOD. NO ONE CAN HELP IN THE BRANCH LOCATION OR OVER THE PHONE

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 2022-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX. 2022 - I would like to file a claim of discrimination. The organization received my personal information and acted as if they were a fair and non discriminatory program. However, after immediately applying I was ignored, made vulnerable and denied assistance while my white non disable peers were fully awarded and with ease! 

North Carolina XXXX XXXX XXXX leaders are giving payouts to friends, family and those near them while overlooking others. 

There are claims that investors are being made aware of delinquent owners waiting for them to default to make profits : ( its a cold world

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 2022-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX XXXX sent communications to BMW FINANCIAL SERVICES XXXX XXXX certified mail # XXXX, it was delivered on XX/XX/2022 at XXXX. In my communication, I requested validation of debt pursuant to FDCPA XXXX XXXX Code XXXX ( g ). BMW FINANCIAL SERVICES did not respond to my communication pursuant to the above law, instead on XX/XX/2022 they sent out a computer generated letter, subject " CREDIT REPORTING ''. In my debt validation letter to BMW FINANCIAL SERVICES I listed the what was required to validate the debt pursuant to the law, BMW response was the dispute I submitted did not contain specific details or documentation demonstrating an error. I'm not sure if there's another version of XXXX XXXX XXXX XXXX ( g ) and its requirements for creditors. I am writing this complaint to get some resolution, because there's numerous violations associated with this account.

Company response to consumer: Closed with explanation