vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
This loan was done by people and company that was not licensed in the State of Oregon and the State told me I could do nothing about it but lately I have been told I could. I tried hiring an Attorney but the only one that would take my case with such little money on my part, Shellpoint wouldn't cooperate with them. 

I have been making payments to Shellpoint and Ditech, but they keep raising my payments and I asked for an itemized statement for the {$50000.00}, plus loan/grant I was given plus photos of the check, plus other items and after about 1 year plus they sent me a Loan History Statement ( which I can't read ), they lied to the State and said they had complied with my request. I told them I was not going to pay them the hiked up payments until I received and answer from my qualified request. They didn't complain and they keep taking the {$780.00}, monthly payments. After a while they messed up my credit reports and now after more the several years the stop taking my payments. I send them and they send them back. I was told I had to send them 3 payment before they would start taking them. I did and they sent the 3 payments back. I have proof of all this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC . I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. 
XXXX ) The agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA violations such as : section XXXX. Harassment and abuse section XXXX. False or misleading representations section XXXX. Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated. ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I the consumer have never given explicit written consent for Bridgecrest to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. I demand Bridgecrest cease and desist pursuant to federal law 15 usc 1692c ( c ). Bridgecrest is in violation if the account is continuing to report on my consumer reports and Bridgecrest does not have permissible purpose to report this account pursuant to 15 usc 1681b. Immediately remove from all consumer reports Bridgecrest Credit Company LLC 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: 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: JPMORGAN CHASE & CO.
State: DE

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX pm Citi bank XXXX department called me unfortunately I was not able to pick up, but they left a voice message. I called them back and spoke to XXXX, and she informed me that the analyst responsible for my case is having issues with her computer. then proceed to ask me for a bill on my name I informed her that I have no bill on my name, and I sent My XXXX form and my driver 's license info. I informed as a matter of fact I could go to the branch in person to verify who I am which is the best form of identity verification. I proceeded to inform her the only reason that Citibank is reaching out now is due to being caught, they did not think I will submit a complaint. they had every intention of keeping my fund and not giving it to me because if they did want to give my fund back they would have reached out sooner not after I submitted a complaint requesting my info. 
Citibank has a habit of doing so, back in XXXX Citibank was sued for stealing funds from clients. I will not go peacefully into the night regarding this matter. I am keeping all my recording for when it goes out to the media. Hopefully, I will numerous individuals going through the same thing so we can bring a class lawsuit against Citibank.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I had been involved in a fraud/scammer situation. The bank had started to work with me, but then reversed their decisions. In doing so, they then decided that one of the transactions should be changed, BUT, they were working with the new accounts and not the old accounts that the scam had been worked on. I was out {$4000.00}, when I started, and they had credited my credit card from my checking account for {$2000.00} of the total. BUT, when they decided to reverse the transaction, they took {$2000.00} from my checking account to apply towards the credit card. The checking account was down to around {$130.00} or so before they did this. BUT, XXXX days earlier my Social Security check was deposited. They would not have had the money to do this transaction reversal had that check not been there. SO, they really should have overdrawn me, but that wasn't the case. I can't make them see where they did this {$2000.00} reversal from new accounts, yet they still aren't helping me recover the original {$4000.00}, and I have been trying to work with them since the first of XXXX on this...

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Supreme Lending
State: TX

Complaint narrative:
On XX/XX/12, I received email alert from one of the credit bureaus that there's a hard enquiry on my credit file. I checked all the 3 bureaus and found this hard enquiry on file : XXXX : EVERETT FINANCIAL IN XXXX XXXX XXXXXXXXEVERETT FINAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEVERETT FI I also received an email from Supreme Lending , the lender who did a pre-approval for me more than 13 months back, stating that they have to keep their records current and therefore ran a credit check!!!. I never authorized that lender to run my credit except for the purpose of pre-approval. I spoke to the company and they repeated the same thing that they have to keep their qualifying factors current. I insisted ( in email ) that I never authorized you or expressed my intent to get loan from you until the house is nearing completion. 

I want this credit enquiry to be removed from all credit bureaus. And I think the lender can do it.

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

Complaint narrative:
I have a Barclays credit card and have had them for XXXX plus years. I have made my payment on time with no late payments. I just received notice today that they have lowered my credit amount. This in turn will hurt my XXXX XXXX which is a XXXX. A company that does this must face the consequences of a bad business practice. They did not base this decision on my XXXX XXXX ( since it is XXXX ) and not because I have ever missed a payment or have ever been late. In fact, I've never been late. Baclays is a high interest rate credit card and they don't offer any rewards. Once I pay off this card, I will close it. I will also recommend that others do not use Barclays or any of its products. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Trans Union offers a service to verify employment for organizations who want to use a third party. Background companies have to go to TransUnion ( they have a monopoly on this type of service ) in order to verify one employment. i.e. I want to verify, for example, someone who worked at XXXX XXXX Bank. I call XXXX XXXX and they say in order to verify go to " XXXX XXXX XXXX '' which is TransUnion. 
I go to XXXX XXXX XXXX and they require that I put in only the SSN for that applicant I want to verify. XXXX XXXX doesn't come up but XXXX ( which I wasn't even looking for ) comes up and even though I was only looking for XXXX XXXX, I am charged, WAIT FOR THIS {$87.00}. I have to pass this fee on to my client and they aren't happy with us because they weren't looking for XXXX, only XXXX XXXX. It turns out the applicant worked for a temp agency and sent to XXXX XXXX to work on a temporary basis. TransUnion is trying to put background companies out of business and own the verification process. Many years ago, Trans Union required that we put in a code number for the company you are looking for and only that code number was verified. If nothing popped up then you weren't charged. Now no matter what comes up, we are charged, even if we no don't need or want any other information. I'm furious and my clients are furious. Applicants sign a consent for release of information only for the information that is on the application that they fill in, not a release of other information that TransUnion is providing. Therefore, my client, their applicant and we, the background company are not covered by the Consent for Release of information. I have been fighting them for years and the price keeps going up and up. We can't go anywhere else to get the verification because TransUnion has a monopoly with these employers. TransUnion comes back to us saying " you get more information '' and I keep telling them we can't use this information because the applicant has only signed a consent for the information they provided on their job application. Please add this complaint to the numerous other complaints against TransUnion. Bottom line is we are paying for items that we are not looking for. They are making us pay for verifications we don't need and don't have the right to use. Please stop them from taking advantage of background companies and businesses trying to do backgrounds on perspective employees.

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: AL

Complaint narrative:
In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, XXXX, Transunion, XXXX *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different XXXX XXXX Equiifax XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer

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: AL

Complaint narrative:
In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, XXXX, XXXX, Experian *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different ExperianXXXX XXXX XXXX XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a credit inquiry alert from XXXX XXXX XXXX. Someone had my SS # and birth date and were attempting to open a credit card with Bank Of America. I disputed the inquiry.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have educated myself on this credit reporting. Our info is collected against our wishes then sold and sold to us as credit reports. Yet no matter when lenders report our info the credit bureaus take there time to report. And when they do report it takes Fico and XXXX Score some time to send our scores back to the credit bureaus. But yet an inquire instantly take points away from our credit. But it takes months for our effort in paying accounts down to be reported. My credit has went down a few times with no explanation from the credit who told me I need an outside source. A lawyer that handles this and I know they was referring to XXXX XXXX whom they own. Just like they own XXXX. These provide organizations need to be stopped from controlling our lives. Rather you work for them are not they control you too. My banking account has been compromised several times since 2018 and its because XXXX leak our info that we will never get reformation for in the end. Credit Bureaus are scammers and I need representation thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took out a loan for {$15000.00} in XXXX through SallieMae. 
They resold my debt to Navient with an unfixed interest rate. 
Since XXXX, I've paid {$17000.00} to Navient As of today, with their variable interest rates ( currently 8.125 % ), I owe an outstanding balance of {$17000.00} XXXX lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. I can not make any more full payments. 

They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house XXXX times a day. They have called the police on me ( XX/XX/XXXX ) They will not let up, and now they are harassing my father. I am a single mom. I fear we will be XXXX by the end of the year due to their predatory nature. 

I implore you to look into the number of suicides caused by this company among millennials. 

Also, they don't allow borrowers to pay more toward their bill each month, so there is no way to pay the principal down. We, the borrowers are trapped. And when their website is down for days, we the borrowers are charged penalty fees. 

How is this allowed?

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 — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Hi I am a XXXX member of the bank USAA and I have experienced account take over fraud last week XX/XX/2022 my name is XXXX XXXX XXXX I reported it right away and took every necessary step as a member and it is now Tuesday XXXX 2022 and I have not received a email or call or text or anything about my fraud on my account and my account is Negative {$5000.00} and the fraudster wired out {$9400.00} from my account t I only had {$4500.00} in my account to start. So I have a return payment of {$5000.00} on hold and Im negative {$5000.00} currently. My taxes come out next Monday the XXXX and I have no money to my name. The fraudsters took my paycheck and my XXXX and emptied my savings and USAA has done nothing but make my account negative with return payments and overdraft fees. I havent been told even if I will be refunded what was in my account cuz I havent heard from usaa since I reported the event. I have called everyday trying to get updates about whats going on and I cant get through to a XXXX or the fraud dept or anything Ive had call backs scheduled and havent got one call. XXXXm at a loss and I dont know what to do about it. Please help. Im desperate for a resolution at this point. Im available anytime if you need anything at all from me on my end to get the ball rolling. Thank you and please help! I can provide any documentation needed or evidence!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation