vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have a XXXX school loan with Sallie Mae. For a student that just came out of school about 2 years ago, and started working in Covid, and as a XXXX XXXX. Sallie Mae charges over 500 monthly payments as just interest payments, which is difficult to pay when you have other bills such as rent, car payments, etc. I have tried to explain to them that XXXX dollars per month are an absurd amount to pay monthly for a loan, if it was a reasonable price such as XXXX dollars I would be able to make payments. Due to not being able to make consistent payments of XXXX dollars monthly, they constantly threaten to put my loan in delinquency which would go on my credit report and further damage my credit for years. They are causing me to go into debt because they do not work with their customers to provide options to stay afloat on payments. Sallie Mae 's representatives are rude and don't make many options to help you finance your loans. One representative was very judgemental, and when going over my monthly payments and rent, told me that I shouldn't be paying that much in rent knowing I had to pay loans back, and because of my annual income. I live in XXXX, rent is expensive regardless of where you are. During Covid, they only gave a 2-4 month delay in payments, but still charged interest. Which is so horrible, especially knowing how difficult it was for people to have a difficult time paying back loans. Sallie Mae is the worst loan company, and I wish I knew this prior to taking out a XXXX loan with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: LJ Ross Associates
State: MN

Complaint narrative:
I've resolved a debt of {$770.00} with XXXX  XXXX XXXX as my original creditor. L J Ross Associates is on the collection agency posting that this account is still in collections. It shows negative on all XXXX creditors, but XXXX and XXXX  report not paid, and says paid in full on XXXX. I paid all my debt off as of last summer, but it's still reporting and affecting my credit negatively after working hard to fix my credit for the last 2 years. I've called L J Ross associates and they stated that they don't see any record of me paying this bill and they're still going to report it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Account on credit with XXXX XXXXXXXX XXXX opened XX/XX/XXXX Shows account is open.this account is not open and last reported XX/XX/XXXX. Ive disputed this several times of which I was informed this account is reporting accurately. This is immensely impossible for an open account to not report for 6 years! It is reporting inaccurately.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: MN

Complaint narrative:
XX/XX/XXXX My federal student loans disbursed by XXXX XXXX XXXX XXXX deposited over {$6000.00} into my Bank Mobil online student checking account early XX/XX/XXXX. 

Bank Mobile allowed XXXX XXXX to have full access to my funds, personal information and allowed them to dictate my privacy settings no matter whether the information was accurate or not. Further, Bank Mobile Vibe, violated their own online policies as they couldn 't nor wouldn't verify to whom, for what reason, nor tell me where my federal went. 

I have used XXXX XXXX successfully and w/o incident to send money to my monthly creditors. 

I noted two large debits from Checking account and noted that I did not authorize, consent, nor benefit from having these funds debited from my online student account.

I notified this bank immediately when I discovered the unauthorized funds missing from my account. I was transferred to 5 different banks reps. prior to getting the fraud dept. in which I originally and clearly requested. I see now that this was a deterrent and a method to discourage and prevent me from properly reporting these gross errors to the proper department. I was even disconnected after holding 10 mins for the fraud department. However, I persisted and did rightfully and honestly report the funds missing from my account. I was certain the bank would promptly return my monies as the debits to XXXX XXXX were missing the normal data i.e. name of individual receiving the funds, their account number, date, location and any memos necessary and/or entered by the account holder. THIS INFORMATION PROVIDED ME ON PREVIOUS SUCESSFULL USE OF XXXX XXXX were not provided m as described on the bank 's website with regard to the their policies, procedures and protocol. In fact, the bank could not tell to whom or to what business my funds went too. I was shocked and flabberghasted by this bank 's negligence and failure to tell me where my funds went and they didn't even care.

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 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX and equifax are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my XXXX  results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX XXXX and equifax are violating the fcra and all agencies are violating my right to privacy,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX experian and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX experian and XXXX are violating the fcra and all agencies are violating my right to privacy,.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. XXXX XXXX XXXX XXXX of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, my wife and I was attempting to open an account with XXXX. However, they checked " XXXX '' ( or something like that ) stated we have an account with Truist/BBT account XXXX I had know idea. We went to the Truist bank and found there were 4 check and savings accounts were open and closed and 1 open account ( {$170.00} ) which was open XX/XX/2021 ; all account were opened using an expired ID and my SS #. AGAIN, I had know idea! It was obviously fraud. In additions, it looks like whoever used the account deposit {$300.00} dollars which Truist bank have been charging monthly bank fees for a YEAR. The bank representative said it appeared it was opened and closed online and that he couldn't do anything about it now because it was the weekend. Eventually, another bank rep. ( XXXX ) got involved and said she will contact the bank manager on Monday and said she will give me a call back. XXXX called back and stated she filled out a " fraud form '' and emailed to the proper department and they should call me in a few days. No one called!!! I called XXXX back and she forgot the issue and that she can't do anything about it. I proceeded to all customer service, the rep. transferred the call to " XXXX  ''. The rep. from XXXX  said she doesn't see any fraud form in there system. The XXXX  rep. transferred the call to the fraud department. I WAS WAITING FOR A REP. FOR TWO HOURS!!!!! I had to disconnect because I was working and needed to go into a meeting. AT THIS TIME, NOTHING HAS BEEN RESOLVED!!!!! 

I WAS ONLY ABLE TO TAKE PICTURES OF THE BANK SCREEN BECAUSE THEY REFUSED TO PROVIDE STATEMENTS. THE CONTACT INFORMATION IS NOT MINE INFORMATION. THAT IS NOT MY EMAIL ADDRESS.

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed 4 times and sent documentation for each dispute. Transunion, XXXX and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXX bank paid, XXXX XXXX sold to XXXX paid, XXXX XXXXXXXX also sold to XXXX paid, XXXX XXXX XXXX paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!

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 2022-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act 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 non-monetary relief
Consumer complaint received 2022-04-15 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: AL

Complaint narrative:
In accordance with the fair credit reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

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 2022-04-15 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: NY

Complaint narrative:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my XXXX account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX Management services Incorporated NCB sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear XXXX contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
Set up an online savings account with HSBC USA with a XXXX, NY XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Mailed in a check of {$6000.00} to start my account. Made an ATM withdrawl of {$100.00} in XXXX of XXXX. That was the only transaction that I have made. I was notified in late XXXX by mail that HSBC was selling its savings section to XXXX XXXX. On XX/XX/XXXX I received a paper final statement of only {$50.00} that was transferred to XXXX. Also received from XXXX its first statement ending XX/XX/XXXX of a balance of {$50.00}. That was when I realized a large portion of my account was missing. After numerous calls with HSBS customer service call center, I was told that on XX/XX/XXXX, there was a wire transfer of {$5900.00} made to XXXX. I did not make any such transfer and I would like to know who authorized that transfer, and why HSBC never bother to contact me about that. HSBC has my hone address, Email address and phone number on file.

Company response to consumer: Closed with explanation