vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended a for-profit scam school ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) . This for-profit scam school closed years ago, not too long after I graduated. I was misled with information by an admissions rep, and was promised job placement, work while I attended school, etc, etc. Believing this to be true, I enrolled and took out a loan with Sallie Mae, who was eventually turned over to Navient. Sallie Mae promised easy, affordable repayment. This was far from true! I have been paying on my loan for XXXX years, and my balance has only decreased {$3000.00}! I am post class with the XXXX vs XXXX case, as I have filed Borrowers Defense ( case # XXXX ) on my federal loan for this same school. My private loans should be discharged, because I took them out under circumstances that led me to believe I was getting the education promised to me. In reality, the school I attended was a fraud, and ended up closing. I have requested deferment or forbearance on my private loan but have been told for years that interest only payments is the only option. I recently became disabled, and told Navient I could no longer make the payments. They never provided me with any options. After doing some research on their website, I called back and requested a disability loan forgiveness application to be mailed to me. I never received this application, and they reported to the credit bureaus that I defaulted on my loan. I called back and they FINALLY offered me forbearance and said it would bring my account current, said they would mail me an application for XXXX loan forgiveness ( have not received it yet for the 2nd time ), but refused to remove the late payment from my credit report even though my account is current. I explained that in my entire credit history with ANY lender, I have NEVER been late on a payment ... .ever! My credit has always been over 800. Due to Navient 's lack of options and cooperation, my score dropped XXXX points!!! My daughter ( XXXX ) and I are in the middle of a move, and this massive drop in my credit is affecting my ability to secure housing. I am a single, solo mom trying to stay afloat and provide for myself and my daughter. This loan is literally ruining everything I worked so hard at maintaining. This private loan needs to be discharged, as I have been paying for XXXX years with only {$3000.00} movement which is a total scam by Navient. I also need my credit reinstated, as my account with Navient is current!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
I was charged for a new lease at my former apartment after I had already moved out I was also charged for a portion of my old lease and for the removal of furniture after I moved out. 

This was during the XXXX Pandemic and I was enrolled in a state funded relief for renters insurance my state, XXXX XXXX XXXX XXXX XXXX ) XXXX HOPE foundation. Which paid for the entirety of my lease. After which I left the apartment in good condition and returned my keys to the management company. However, a year after I left was when a collections account was opened on my credit report with the most ridiculous accusations. 

They alleged I signed another lease which I didn't because I was out of state at the time and they also said I owed rent from my previous lease which was paid by the state, the state even gave me proof of the payments made to the apartment. And the said they removed furniture from my apartment which just isn't true and even if it was they took my security deposit. 

I have tried to dispute through the various credit bureaus to no avail because I haven't been able to upload my supporting documents. 

Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX never called back per the company policy regarding XXXX requested callback. I had to physically walk into a branch to again speak with the branch who knows nothing about the executive office 's doings just to get connected on the phone with XXXX XXXX form the executive office who ended up saying " this takes time ''. 

It has been XXXX weeks, XXXX hours in a XXXX  day, XXXX hour per day, period. So within that XXXX hours, nothing has gotten done. I just received a call from XXXX who asked me to provide some additional per the claims department... but upon calling the claims department, I was transferred back to the " executive office ''. This company is spinning me for a loop and playing games with me on purpose, employing delay tactics, and would not do their job correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
The Company refuses to release my free annual report under false pretenses of identity problems. They had mailed to me correspondence having to do with a dispute?? I have not been able to dispute any information in absence of being provided a free annual report to review. To help the company identify me here is my full SS # XXXX. My NYS Drivers License number is XXXX. 

It appears Lexis Nexis does not want me to know the potentially false information they created about me that was used against me, for example when they furnished XXXX car insurance false information or executed a closing of my auto policy with no reason given when I went to pay. Not only did my insurance get cancelled, Lexis Nexis made sure that I could not seek insurance under a different NYS carrier by some information which prevented another insurance agency from opening a new policy and or premiums that were in the thousands to insure a XXXX XXXX XXXX for basic NYS Statutory insurance. I found out about the cancellation when I went to pay in XXXX XXXX XXXX XXXX XXXX whereby XXXX XXXX refused to accept my payment at XXXX XXXX XXXX XXXX. He informed me my policy was cancelled and when I asked him why he did not provide a reason and even my written correspondence directly to XXXX I was not provided a reason. When I had requested NY insurance agents XXXX XXXX and XXXX for a quote at that time they relied on LEXIS NEXIS. XXXX XXXX refused to insure and the XXXX quote was an astronomically high amount of premium required to insure basic XXXX liability for a XXXX XXXX XXXX There were no logical reason for this cancellation - major DMV violations, injuries, felony judgements or any insurance accident payouts of significance that would cause a high premium quote or refusal to insure. Information was obviously fabricated and to this day I still do not know the reason for the sudden cancellation.

This cancelation prevented my daughter XXXX from driving my can due to the inability to secure new insurance and unaffordability of new insurance. The car remained off the road and my daughter was upset and demobilized. Lexis Nexis financially weaponizes the data information
system they created with XXXX XXXX carriers either in collusion with the Insurance carriers or independently. It is a covert way to disrupt your life using false and or misleading information the XXXX XXXX XXXX  use and act upon furnished by LEXIS NEXIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with 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.

has violated my rights. Or a list of inquiries : 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 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, 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/24 I called Trans Union to report fraudulent inquiries on my credit file the representative informed me that I would have to file a police report for these. It is not my burden to do their job. I requested that the fraudulent inquiries be immediately removed as I did not initiate them. I am not jumping through hoops or rings of fire for Trans Union. Maybe you can light a fire under their XXXX to do what they need to do.

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 2024-04-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case.

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report.

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Our FHA loan was turned over to Fay Servicing while in a forbearance. We were sent a loss mitigation option XXXX XXXX XXXX with no terms to the modification. We are expected to accept or reject the Modification by XX/XX/2024 and we never got the terms to the Modification. When I called my point person at Fay Servicing they stated they wont have the terms drawn up for us untill XX/XX/2024. By that time it will be past the acceptance time of the Modification. We will not accept a Modification without knowing the terms. From what I am reading about this company they will escalate into foreclosure. I would like to know what we can do. In addition, they they said we dont qualify for a partial claim for a work out plan and we have no outstanding partial claims out. It seems they are doing everything they can to forclose on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently i did an investigation on my credit report which caused severe XXXX upon me and foundunverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer.if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.Thanks for your help with this matter. 

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 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had a Collection from XXXX XXXX XXXX, XXXX via Synchrony Bank from retailer Walmart, on my account for the past few years. I have disputed the account numerous times with the company and credit bureau 's only to have the account come back as " Verified '' every time. 

I have asked for proof that the account was opened by me, including the original application or account opening document, but it has never been provided. The company has only sent a copy of XXXX billing statements which, of course, doesn't show that the account is mine, only that it exists. 

I asked XXXX how they verify the account and was told it is simply a matrix of " personal information '' in my credit file that they compare against the personal information the collection agency is sharing, nothing more. There is no requirement to show proof of account ownership and no way to truly verify the account opening date if it is not already shown within my credit file. Therefore the entire account can not truly be verifiable and relies on a plethora of inaccuracies.

I have disputed the account in the following manners : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has sent me some forms to fill out requiring a notarized statement and a police report for " fraud '' cases. Although this may ultimately be fraud, I am unwilling to provide these forms until I have been shown the original signed document that was utilized to open the account. I haven't been provided the documentation I've been requesting within my disputes for years. I need to see the application document, the signed document, the agreement/terms and original date the account was opened as well as the last payment, if any. The burden of proof still upon the collection agency, but they are refusing to comply.

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 2024-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OK

Complaint narrative:
PNC sends me emails in the following form even though I dont access my account online. The instructions for if I didnt sign-on are useless. PNC says that the user ID is invalid. But they continue to send me these email messages warning me to change my password. 
XXXX  User ID ending in XXXX was used to access your PNC Online Banking from a new computer, mobile device or tablet Do you recognize these sign in details? 

Device Description : XXXX XXXX Browser : Chrome Date and Time : XX/XX/2024 XXXX XXXX XXXX Location : XXXX, NY XXXX Here 's what you can do : If you did sign on using this device, you don't need to do anything. 

If you didn't sign on using this device : Sign on to PNC Online Banking or the PNC Mobile App and change your user ID and password. It's important to choose a user ID and password you haven't used before, and that you only use with PNC. If you need help, call us at XXXX. 
Review your transaction history and if you see any transactions you don't recognize, call us at XXXX to report the unauthorized activity. 
About this email : Please do not reply to this email. This mailbox is not monitored. 

This message was sent as a service email to inform you of a transaction or matter affecting your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the XXXX Data Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with XXXX, XXXX XXXX, and Experian within a reasonable amount of time.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
This is to put XXXX Moneykey on notice that it is putting inaccurate, incomplete, and unverifiable information in my credit report. XXXX Moneykey is knowingly placing inaccurate and incomplete information in my credit reporting despite being notified. XXXX Moneykey is placing an alleged charged off account in my XXXX XXXX credit report claiming that I owe a balance of {$1000.00}. That is false and misleading, to say the least. That could not possibly be the case when XXXX Moneykey sold the alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is placing the same alleged debt in my credit report for {$1000.00}. Can I possibly owe the same {$1000.00} to both XXXX XXXX XXXX and XXXX Moneykey at the same time. The answer is " no ''. The answer is either I owed the same alleged {$1000.00} to XXXX XXXX XXXX XXXX or XXXX MoneyKey. Both companies placed the same alleged debt in my credit report for {$1000.00}. Therefore, the information is inaccurate and incomplete. As such, I demand to have the alleged charged off from both XXXX XXXX XXXX and XXXX MoneyKey for {$1000.00} be deleted from my XXXX XXXX XXXX report immediately. Failure on the part of XXXXMoneyKey, and XXXX XXXX XXXX XXXX XXXX credit reporting Agency is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
I have tried to get my credit report from Equifax and I am only getting error messages. I have called equifax XXXX times over the last month and have not gotten any help to fix this issue. I am not able to see my credit report, history or credit score.

Company response to consumer: Closed with explanation