vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient has stated, in writing on XX/XX/XXXX, that my Borrowers Defense mixed consolidation loans will only PARTIALLY be discharged and a discharge date has not been provided. The court order in XXXX XXXX XXXX by XXXX XXXX and the Dept of Education states most recently in the XX/XX/XXXX court hearing that the mixed consolidation loan must be discharged IN FULL by XX/XX/2024 and this is the final deadline for servicers to fully discharge loans in this lawsuit. 

Navient does not have the authority to ignore the court order or ignore the direction of the Dept of ED on the full loan discharge instruction, nor do they have the authority to miss the court ordered deadline of XX/XX/XXXX. 

I have spoken directly to XXXX XXXXXXXX XXXX team and the XXXX attorneys in the lawsuit and I have provided to them all my Navient loan information, including copies of Navient communication stating only PARTIAL discharge will occur. 

To date, I have received XXXX  relief from my approved Borrowers Defense claim for my loans being held hostage by Navient. Navient has to play by the rules set by the judge and the dept of ED, they do not get to make up their own rules. 

XXXX and the team working with XXXX XXXX have specifically asked me to follow up with them on XX/XX/2024 regarding my discharge relief status with Navient. If full relief is not received by XX/XX/XXXX they will include my loans in their contempt of court order against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX, XXXX XXXX XXXX, and Department of Education/XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX, XXXX XXXX XXXX, and Department of EducationXXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My XXXX cell phone was shut off. Then XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were being rerouted to XXXX and XXXX. We caught this but by the time we did they had gotten into other things like my XXXX account and PayPal account and taken out a XXXX XXXX XXXX  account In The amount of {$5000.00}. We caught some of it due to letters coming to my home and of course the phone being shut down. Thru my vigilance and footwork I work hard at fixing alot of this stuff. Then 30 days later I received a bill from PayPal with a {$2100.00} computer charged to my account. And have been disputing this charge ever since. They have a XXXX  identify theft policy but they have been fighting me since 2023 and I have sent all of the identity theft, paperwork police reports, a lot of money in paper work sometimes they say they receive sometimes they don't. I'm not sure I even have done power of attorneys and FTC Identity Theft Victims Complaint and Affidavit. I have never paid for this computer. I have never taken possession of this computer and when I went to the police department after going to XXXX because I found out from PayPal and ( XXXX XXXX  ) that it was delivered from them to my home I went there personally And got the paperwork for it and gave it to all of them the police for the police report. I asked the police to track it in there cyber crimes unit. ( I'm sure it's being used for criminal activity ) They would not. Plus it is a felony. They would had absolutely no interest in the computer. But everyone would know I did not have this computer. Even XXXX is engaged with me at this time trying to make PayPal and XXXX XXXX understand I do not have this computer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, two accounts were opened in my name from two seperate banks, XXXX XXXXXXXX XXXX XXXX XXXX XXXX in Mississippi. They both have fraudulent charges up to almost XXXX dollars. 

I did not set up either of these accounts and when I called Regions, I was able to close and submit an identity report. As submitted below and was processed, this would take up to 30 days I have been told. 

I later found the XXXX XXXX Bank charges after my credit score lost over XXXX points this morning, XX/XX/2024. Confused and alarmed I called the bank and they were unable to locate the account. But it is on my report as seen below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX XXXX,2024 I received a statement of {$180.00}. This balance is made up entirely of fees and interest. On XX/XX/XXXX call, I worked with a customer service agent in the XXXX who confirm the balance would be reduced to XXXX. have been trying to communicate their error since XXXX XXXX, 2024, statement with a balance totaling {$3.00}. I had to request my account be closed in XXXX XXXX,2024, out of frustration due to MACYs agents in the XXXX were unable to understand issue due to a language barrier. Today I opened XX/XX/XXXX statement with a balance of {$230.00}. I need CFPB to help convey the message that Macys can not change fees on fees and interest on fees. What do customers less able to advocate for their situations due? Macys shows only predatorial behavior aimed to ruin credit ratings on those who are in good standing.

I appreciate your advocacy in this case.

Respectfully submitted, XXXX XXXX MACYs closed account number XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo had been my primary bank for over 10 years. Throughout the last few years, I have continuously reported suspicious activity and disputed transactions on various different occasions. Each time, Wells Fargo denied the claims ( until recent ) and stated I authorized the charges, even though I disputed these transactions and explained I had not authorized. I was sent numerous replacement cards, but they never actually changed my account and only offered to do so when I closed my account. There has been fraud across my checking and savings of Wells Fargo, which lead to fraud across the rest of my credit cards being maxed out due to unauthorized fraudulent use. 

I had a personal loan that had a 24 month term period that included the principal and interest payment for a {$25000.00} loan. I have made payment and the loan continues to grow interest despite the agreement having the interest built in.This loan should be paid off given the amount paid and the agreements, the balance states {$15000.00}.

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 2024-07-27 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account. 
Experian, XXXX. XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a consumer Reporting agency can not furnish a account without my writing 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I have never been in legal contract with Credit Collection Services. I have requested verification of debt and have not received a response. I have also requested a copy of a contract showing my wet ink signature. I have demanded they remove themselves from my personal credit report with all 3 credit bureaus IMMEDIATELY. I have also requested all documents and verification to be sent to the address listed below with no success. I do not owe any debt to Credit Collection Services. I do not know who this company is nor have I ever heard of them. 

Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I settled a debt with a collection agency and upon payment, I was told I would receive a letterhead providing proof of the settled debt. It has been a month now since the debt was settled and the collection agency refuses to provide me copy of this settlement. This is extremely urgent and I have attempted to contact the agency multiple times, however they will not provide me record/receipt of the settlement.

All I am asking for is a letterhead showing that I have settled this collection from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered. 
The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( XXXX, TransUnion, and XXXX ) as they would constitute a violation of the relevant statutes. 
Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I submitted a cfpb complaint against Experian on XX/XX/XXXX for unverifiable and inaccurate information on my consumer report. Here 's the complaint number XXXX. They did not remove this information and said it was verified however, I have reason to believe that an investigation was not conducted as these items were not deleted by Experian but was deleted from XXXX. See attached labeled " XXXX Charge off results ''. Additionally, upon inspecting the investigation results, I noticed that the date updated for the accounts did NOT change which means that they did NOT contact the furnisher to investigate this information. See attached " Experian charge off results ''. Next is the XXXX account. They claimed it is all verified however they are still reporting the same errors on the report which violate the FCRA and Metro 2 ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). That account was closed in XX/XX/XXXX but has been reporting a monthly charge off status. An account can only be charged off once. This makes the reporting of this information inaccurate, incomplete and unverifiable. I am demanding that they comply with section 611 of the FCRA and promptly delete this inaccurate and unverifiable information from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
My bank allowed fraudulent charges that were not made by myself ( the account holder ). My address and personal information was removed and my bank was left attached and the account took money until I stopped the virtual card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation.

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Verification and Removal of Late Payment Entries Dear Sir/Madam/To Whom It May Concern, I am writing to formally request the verification of the late payment entries posted on my credit report by XXXX. According to my records, there have been several instances of late payments reported on my account.

Under the provisions of the 15 U.S. Code 1666b and 15 U.S. Code 1637, I request that XXXX provide detailed tracking numbers for each instance where a late payment was reported. Specifically, I need documentation proving that each periodic statement was mailed or delivered to me at least 21 days before the payment due date. This request includes the following information for each late payment entry : The date the statements were mailed or delivered.

The tracking numbers for the statements Proof of delivery confirming the statements were received at my address Procedures XXXX has in place to ensure compliance with the 21-day rule before reporting late payments. 
If XXXX is unable to provide this documentation for any of the reported late payments, I request the immediate removal of those entries from my credit report with each credit bureau ( XXXX, XXXX, and Equifax ) as they would constitute a violation of the relevant statutes. 
Please treat this matter with the urgency it deserves and provide the requested within 30 days of receipt of this letter. Failure to comply with this request will leave me no option but to pursue legal remedies for violators of the Fair Credit Billing Act and the Truth in Lending Act. 
I look forward to your prompt response and resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation