vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WI

Complaint narrative:
On XXXX separate occasions I spoke to customer service and loan resolution " experts '' even taking over an hour of my work time to go through financial details in order to work out a plan for some sort of loan repayment. 
I was told I maxed out my in school loan deferment- even though I am still enrolled in school full time working on my XXXX XXXX XXXX. At one point I had to conference call my co-signer who is now an elderly woman living on a fixed income. The account resolution individual was so rude to my co-signer he made her cry multiple times. 
His resolution was nothing. Nothing changed, he demanded payment in full each month and offered XXXX resolutions even knowing that I am XXXX XXXX XXXX and XXXX XXXX- with an elderly co-signer on a social security fixed income. 
Sallie Mae even after going through these processes continues to call XXXX to XXXX times a day and mails letters reporting the account past due and delinquent. I have talked to everyone offered " who may be able to assist me '' with zero assistance and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have called multiple times to check on the status of my refund. I requested back in XXXX for a refund of {$10000.00}. I was told it would take 8-10 weeks. 

After 8 weeks, I called back and was told it was still processing. 

As of XX/XX/23 I still have not received my refund from Fedloan Servicing and have had zero communication initiated by them. I have had to be the one requesting any updates or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This is not the first complaint submitted. This is referring complaint number XXXX. Initial complain was submitted on XX/XX/XXXX : My father made me a check from his XXXX XXXX Account on the XXXX of XX/XX/XXXX and mailed it to me on XXXX XX/XX/XXXX. The check accidentally arrived at the wrong address. The individual that received the check forged my name and sponsored it to his bank account. After confirmation with XXXX that the mail was delivered, my father tried to cancel the check but alas the deposit had already been processed to the individual 's account at Navy Federal Credit Union. A formal fraud complain was submitted to XXXX XXXX the XXXX XX/XX/XXXX to try to recover the funds. We were told that it might take up to 120 days for a response. It's been over a year and still no response. All XXXX XXXX have been able to tell us is that there is no response from Navy Federal Credit Union and there is nothing else they can do but wait for the bank 's response. 

The final response from Navy Federal Credit Union to me was on XX/XX/XXXX : Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. We have reviewed our members concerns. Our records show that on XXXX XX/XX/XXXX, a check in the amount of {$80000.00} was deposited to a XXXX XXXX account. On XXXX XX/XX/XXXX, the funds in question were returned to the originating financial institution. XXXX XXXX XXXX will need to contact the issuer of the check for any further inquiries on this matter. If Petty XXXX XXXX has any further questions, he may contact XXXX XXXX, Vice President, XXXX XXXX, at XXXX, between the hours of XXXX a.m. and XXXX p.m., Eastern time, weekdays. 

But the above response was faulty. My father checked his account and the amount was never submitted during that time frame. Also the gentleman by the name of XXXX XXXX that I was to contact have never answered any of my calls or returned any of my voicemail messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/2022 XXXX and XX/XX/2022 XXXX XXXX issued inquiry. 
There were unauthorized transactions made with this card. 
Noticed collections on XXXX XXXX  Filed dispute with all XXXX credit beauros Dispute was corrected and collection was removed. 
Transunion has Deliberately denied me to dispute fraudulent activity on my consumer report. 
My credit score dropped XXXX points From XXXX to XX/XX/2022 XXXX to the fraudulent 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 2023-01-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance 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. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Hi on XX/XX/2023 i filed a dispute for charges that i didnt make some of the charges were adjusted from moneylion to my account but not reflected to my balance and some of the disputes were not processed as per moneylion saying that no error was found without making an investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent account FrontLine Asset Strategies, has violated my rights.

15 U.S.C 1681 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 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

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX account was open with XXXX without my authorization due to fraud. Account opened on XX/XX/2022 and the limit of the account is {$500.00}. 



And another account was open with XXXX XXXX  without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.

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 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and have owned my home for almost 28 years. I have suffered great stress from PHH Mortgage 's improper servicing of my reverse mortgage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing of their foreclosure lawsuit against me. PHH placed very expensive, forced-placed insurance on my property. PHH offered me a repayment plan for my property charges on XX/XX/2022. I accepted and timely executed the repayment plan on or before XX/XX/2022. I timely made regular monthly payments under my repayment agreement through XX/XX/2022. Despite my acceptance and performance, XXXX and PHH went ahead and filed a foreclosure action on XX/XX/2022 and continue to maintain the lawsuit while accepting my payments. PHH rejected my payments starting in XX/XX/2022. I applied for an At Risk Extension and PHH received the application with my budget and doctor 's letter on XX/XX/2022. PHH has yet to process my At Risk Extension request and continues to maintain the foreclosure lawsuit. I sent PHH three Notices of Error and Requests for Information on XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not receive a response until XX/XX/2022. It is a partial response. Amidst all of this, PHH has also refused multiple times to accept Releases that I properly executed authorizing my attorney of record to communicate with PHH on my behalf. PHH continuously created unnecessary delays. In XX/XX/2022, I asked for a Reinstatement Letter to cure the amounts in default. I timely sent full payment of the amounts in the reinstatement/cure notice via third party payment as instructed by XXXXXXXX XXXXs counsel. The instructions for payment by XXXX listed an incorrect account number. PHH has held onto the default cure check for almost a month and is refusing to deposit the funds to my loan. Not only has PHH broken our contract for repayment, but PHH has refused to process every single attempt that I have made to resolve the loan default and cease litigation of the foreclosure action. To date, the lawsuit is still moving towards foreclosure of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX  Accgunt # XXXX, has violated 15 US C 1681 sect on 602 A. States I have 1S US C 1691 XXXX XXXX XXXX XXXX XXXX  I AlSO StateS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A creditor XXXX not treat a payment on a credit card account under an open and consumer plan as late reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I also checked my Equifax credit report and I still see the Bankruptcy that I have filed a complaint before and it is still on my credit report. This XXXX XXXX bankruptcy is said to be erroneous. The Equifax and the company failed to provide proof and I never received any proof of the investigation was conducted, which I have been requesting for several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
remove false information from 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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In the last month I have had {$80.00} +/- I have been trying to pout to use .... 
I have access to that money ( MY MONEY ) for LESS than two days total over the last month. It has been tied up PRIMARILY by my bank American Express Bluebird. Though two other entities have contributed. 
A refund from a merchant took OVER 3 days to get returned BACK into my account ... ..... 
I FEEL this PRACTICE is unacceptable, the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!! 

Just last week I ATTEMPTED to make a purchase, the merchant rejected it ... ...... 
my bank American Express Bluebird IS CURRENTLY HOLDING THIS MONEY ( MY MONEY!!!!!!! ) FOR EIGHT DAYS ... ... ....

CUSTOMER SERVICE WILL NO LONGER ANSWER MY CALLS PROTESTING THIS BEHAVIOR!!!!!!! the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.

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 2023-01-17 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: UT

Complaint narrative:
I received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Per the company 's response XX/XX/2023 they stated the address on file was apartment XXXX in which they sent all correspondence. I have never lived in apartment XXXX nor does that address show up on my credit report. I also did not make a phone call with the company on that made up date. What evidence do they have regarding a phone call I made and what was it about? My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. The address they are referencing is not on my credit report nor does that account belong to me as they have no contract with a wet signature. Please remove this item immediately.

Company response to consumer: Closed with non-monetary relief