vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended the XXXX XXXX of XXXX from XX/XX/XXXX through XX/XX/XXXX. Since graduating its been a struggle to save money and pay any bills not to mention supporting a family. My private loans were originally Sallie Mae, but now Navient. I have exhausted every option and after paying {$40000.00} towards my loans I literally owe more than when I graduated. Its become a vicious cycle and my degree doesnt warrant the kind of salary one needs to pay this back. I will be filing a complaint and legal action towards XXXX XXXX for deceiving and upfront lying about their accreditation, job placements and financial options. Thats another story. With the recent Sweet vs Cardona case that won in favor of the student, I believe there is liability between these schools and lenders such as Sallie Mae and Navient. Navient should be more understanding and be willing to work with what the student can afford based off of income. I have applied for other jobs while working a job that can support this kind of payment and it would be a salary over XXXX XXXXXXXX, its certainly up there. 

Until I file a case against the XXXX XXXX XXXX XXXX XXXX I believe a fair payment would be income based, same as in the federal loans sector. I really believe that the Sweet vs Cardona case should be an example of what should be followed, a standard that the private loan industry should be held to. I do believe there is a true case to be made regarding the XXXX XXXX deceiving tactics and any enabler, such as Sallie Mae/Navient that aids in this scam. I feel there is little to know protection against these for-profit schools and people like me, who never defaulted and paid XXXX XXXX towards my loans, cant save a XXXX. Its not that I dont want to pay, but at this point its beyond my control. I need help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I closed all my accounts with Wells Fargo due to inability to reach my advisor to execute trades and very poor/ non existence customer service located in foreign countries and suffered losses as a result. Wells Fargo charged fees to close my accounts as follows : XXXX ( {$120.00} ), XXXX ( {$120.00} ), XXXX ( {$95.00} ), XXXX ( {$95.00} ).

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 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have dispute this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. 

In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX Original creditor CAINE & WEINER XXXX XXXX XXXX XXXX XXXX {$250.00} Open balance XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TN

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.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$310.00}.

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 2023-07-25 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I took out an auto loan with Chrysler Capital in XXXX. There was a civil matter between myself and Chrysler that started in XXXX. I believed I had satisfied the loan back then and unbeknownst to me at the time, apparently Chrysler did not. As time went by, I realized that Chrysler was reporting the loan account as a " charged off '' account. I tried to work with Chrysler years ago to have them report the account as satisfied but nothing was resolved. I also tried to dispute the account accuracy with the credit bureaus with no luck as Chrysler was not reporting accurately to them. 

After becoming completely XXXX and suffering a XXXX a few years ago I just let it go for awhile. Now, it is over 7 years since this account was closed and I just wanted it deleted from my credit report. The past couple years the account was not even being reported at all to the credit bureaus by Chrysler. 

So just recently I disputed it with XXXX XXXX stating it was an old account that should be deleted. When I got the " investigation '' result, XXXX XXXX said that Chrysler told them it was a current open account that was a charge off and because of this my score dropped XXXX points! What!!!! My score drops XXXX points because of a dispute and unlawful inaccurate reporting by Chrysler to the bureaus?? By legal definition a charged off account is a closed account and Chrysler hadn't even reported anything to the bureaus for a couple years and now as I dispute it to get it deleted, Chrysler says it's open???? And a charge off at the same time???? On an account that has been closed for over 7 years???? 

Can you please help me correct this unfortunate situation and make Chrysler follow the law with accurate reporting and helping me get this old account deleted from the credit bureaus. Thank you so much for your assistance in this matter. 

By the way, I also included XXXX XXXX in the complaint but their hands have been tied because of the unlawful and inaccurate reporting to them by Chrysler. They are just doing their job so I have no issue with them. I just needed to include them so You would understand the situation and how it's reflecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have tried to call most recent XX/XX/XXXX and was waiting for XXXX mins so I have chatted twice now. Most recent today XX/XX/XXXX and was told they cant settle my debt as there are no account managers in the U.S. and that they were having a hard time finding my debt and I would have to call a different number. 

Ive gotten an insane amount of mail but there is no one in the U.S that can settle my debt per the two people I chatted online with stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Hello on XX/XX/23 i paid Convergent Outsourcing , Inc . {$250.00} for a past due XXXX XXXXThe Convergent agent told me on a recorded phone call that when i paid {$250.00} that they would delete the collection from my credit report in about 45 days.The collection was never deleted.Can you guys some how verify what iam saying because we were on a recorded call.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I froze Experian and XXXX in XXXX of XXXX. I was able to freeze XXXX only after filing a complaint with CFPB and did that some time later in XXXX of XXXX. 

All three reporting bureaus made it extremely difficult to freeze credit reporting other than by creating an online account. These are too great a security risk for me to do this. I was eventually able to do this by phone for each agency. Each promised to send a pin for verification in order for me to unfreeze reporting. Only XXXX did this. 

I was able to temporarily suspend the freeze on my XXXX account by using the confirmation code sent to my cell phone in XXXX, XXXX. 

I called Experian at XXXX at XXXX pm XXXX XXXX XXXX today, XX/XX/XXXX. I was not able to unfreeze my Experian record by using the confirmation number Experian had provided to my cell phone in XXXX, XXXX. Experian never sent a pin number to my email account as promised in XXXX, XXXX, or by regular mail. The automated process demanded this number to unfreeze my credit record. I asked for a representative. The automated voice said I was not allowed to at that time ( before XXXX pm XXXX XXXX XXXX ). It gave no other other information and ended the call when I kept repeating " representative ''. 

I can not open a new bank account at this time because that bank uses Experian. Experian is attempting to force consumers into opening an online account. As the recent history of severe, uncontrollable data breeches for credit reporting agencies, as well as other centralized services such as state agencies, shows, the risk is almost never worth the convenience. 

Experian should not be able to force me to open an online account in order to temporarily suspend the freeze I placed on my file there. The only other option they offered was to send, via the now extremely unreliable ( thanks, XXXX! ) U.S. mail, all the sensitive information anyone receiving that mail in error would need to permanently ruin my credit history. Experian should have sent the pin via email as promised during the freeze process. The company should send that now, or allow me, as XXXX did, to use the confirmation code sent me when I froze that account. 

Thank you for looking into 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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am unable to open a credit union account because check systems state I still owe on an overdraft from XXXX XXXX XXXX XXXX that showed it was written off per COVID 19 relief and is no longer on my credit but check systems state I still owe. Contacted XXXX XXXX XXXX XXXX a year ago to pay it off and was told it was forgiven as per COVID 19 relief Also shows that a loan that was discharged in bankruptcy with XXXX XXXX they say I still owe on as well.

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 2023-07-25 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than 36 inquiries to be removed. Its be more than 3 months and the inquiries still remain 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 explanation
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have made multiple attempts to remove unauthorized unverified inquiries from my credit report with XXXX & Equifax they are refusing to assist. These same items have been removed from my XXXX report as unauthorized and unverified as they are not attached to any account and unverifiable. 

This is affecting me from in a tremendous way and affecting my score which is limiting me to what I can do and move forward in my life. I am trying to buy a house and rebuild my credit. These inquiries are affecting my ability to do so. 

According to This : This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately I have attached a list of the unauthorized and unverified hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: U.S. BANCORP
State: HI

Complaint narrative:
US Bank Visa Platinum Card company ( https : //www.usbank.com/ ) and Cardmember Service have held my credit balance of {$140.00} since XX/XX/2023. During US Bank acquiring Union Bank, despite that I blocked the Union Bank Card and requested them to send me the credit balance of {$140.00} on XX/XX/2023, I was forced to activate US Bank credit card and open on-line account, for me to able the see the details of transactions that I have not authorized. 

I have reached out to them multiple times including the dates on XX/XX/2023, XX/XX/2023, XX/XX/2023. They have told me that they are doing research. But, they have not sent me the check amount of {$14000.00}, as they have told me to do so on XX/XX/2023. 

Today is XX/XX/2023. They have held me fund for 75 days now. 

I have called US Bank Service Contact # XXXX, and talked to one of the supervisors, XXXX XXXX. She hung up on the phone pretending like she can not hear me after I held on to the phone talking to several service representatives for over 1 hours and 17 mins. Case/Reference # I was given XXXX XXXX 

Can they really hold XXXX of consumers money like this?! Please advise and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NC

Complaint narrative:
About a month ago, I changed my autopay settings to add a new bank account and to change the payment frequency. I also requested to delete old bank account that I no longer have access to. Despite making these changes, Earnest drafted my old bank account at on XX/XX/23 for {$990.00}. I have asked them to delete this account and to pay for these fees associated with their unauthorized debit of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: IL

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.

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 non-monetary relief