vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I called Navient today - XXXX XX/XX/2022- to try to delay my private student loan payments until I can find a full-time job. Navient refused even though I told them I was only making around {$300.00} a month doing part-time work. I was fired from my job in XX/XX/2022. I have been looking for work and have applied for over XXXX jobs, but with my XXXX, XXXX, religious/philosophical convictions, and XXXX I have not been able to find full-time work. I just got off a 6 month interest only loan payment option, but explained to Navient that if I made ANY payment over $ 200/month I WILL BE XXXX  IN A FEW MONTHS! NAVIENT DOES NOT CARE AND TOLD ME THERE WAS NO MORE FOREBEARANCE TIME ON MY LOAN! This was their only option. The last time when I mentioned my XXXX, THEY TREATED ME LIKE TRASH AND SENT ME A FORM TO FILL OUT TO CANCEL MY LOANS, WHEN I AM NOT ELIGIBLE FOR XXXX FOR MY CONDITION - MY XXXX ONLY IMPACTS THE TYPE OF WORK I DO- IT DOES NOT MAKE ME PERMANENTLY XXXX! 

NAVIENT HAS VIOLATED MY CIVIL AND HUMAN RIGHTS! THEY HAVE TRIED TO MAKE ME FEEL LIKE A WORTHLESS PIECE OF TRASH! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My Synchrony mastercard statement with a due date of XX/XX/XXXX contained two fraudulent charges. I receive the bill in about the middle of the preceeding month, so bill received XXXX, XXXX. XXXX was from XXXX XXXX XXXX XXXX DE for {$59.00}. The other was from XXXX XXXX CO for $ XXXX told Synchrony these were fraudulent charges on XX/XX/XXXX and my card was closed while the case was investigated and I was mailed a new card with a new number. I received a form letter from Synchrony dated XX/XX/XXXX that my fraud claim was not approved because " The purchased item ( s ) were shipped to your address. '' I complained that Synchrony has no receipt from the merchants because I never purchased anything from them ; never heard of them until the charges appeared on my statement. I asked for proof of receipts.This same process has now played out 3 times ( my claim denied but no receipts produced -- because I didn't buy anything and didn't receive anything ). I am sick of the time these fraudulent charges have taken ; I've written letters to Synchrony and called now 4 times. All the credit card company does is re-open the case but never provide proof of the basis of its wrong decision. This is theft. I won't pay the {$80.00}.

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 monetary relief
Consumer complaint received 2022-03-31 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: MS

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment

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 2022-03-31 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: MS

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank is reporting an auto loan on my credit report that does not belong to me. I already submitted all oft the identity theft paperwork required in order to fix this issue and they have placed the account back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Loan was taken out under XXXX XXXX for $ XXXX in XXXX and transferred to Navient. During that time, finances were strained and payments unable to be made. Company offered only deferment, no income based repayment plan. In XXXX borrower joined the XXXX  XXXX XXXX and was XXXX XXXX. During that time we again requested assistance and were told no forgiveness was available because these loans were private loans. Borrower is now full time XXXX XXXX with the XXXX XXXX - XXXX staff out of XXXX XXXX XXXX. Navient is now telling borrower he is no longer eligible for military forbearance because XXXX XXXX XXXX are at the state level, not federal. Federal authority over XXXX XXXX members falls under Title 32 of the U.S. Code. This is considered federal XXXX XXXX for specific state missions and full-time XXXX XXXX. Borrower demanded proof of this policy from Navient and their definition of the difference and is awaiting a response. Current amount of the loan is over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: LA

Complaint narrative:
In XXXX, XXXX & XX/XX/2020. I reached out to transunion and XXXX with proof. The accounts were never updated nor deleted. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am a XXXX Veteran XXXX XXXXXXXX XXXX XXXX XXXX. I submitted paperwork to my county tax appraiser to have my property taxes reduced from $ XXXX  year to {$330.00} a year. I was provided a letter from the county stating my new reduced property tax amount of {XXXXXXXX} On XXXX XXXX I submitted this letter to my lender and the escrow department, requesting a review of my reduced property tax. On XXXX XXXX my lender [ Mr. Cooper ] sent me a reply saying they would take 7-10 days to research my request and if there was an issue they would contact me. I had made two follow up calls one around XXXX XXXX and the other on XXXX XXXX. On both occasions I had asked for a status on my property taxes and why havent they changed the amount to what the county is now charging me. On both occasions I was put on hold for lengthy periods of time with no resolution and only to be told they have 7-10 days respond. They have had over 30 days to respond. The latest correspondence we received was on XXXX XXXX that was dated XXXX XX/XX/2022 telling me they have called the county and confirmed my taxes have not changed and therefore they will not reduce my mortgage amount. I have a letter from the county tax appraiser that contradicts what there telling me. There seems to be a strong reluctance from this company that they dont want to process my request and lower my mortgage payment. I have the documents to prove my case. I find it hard to believe the county in which I live told them my taxes didnt change. 

Here is the companys information : Mr. Cooper XXXX XXXX XXXX XXXX Texas, XXXX Phone:XXXX  XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries

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 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo failed to pay property taxes in XXXX, for which I notified them and filed a formal complaint. They indicated they paid the back tax in XXXX, including the penalties. I recently received a notice from a collections agency that nearly {$12000.00} in school and local property taxes were not paid, {$2000.00} is for penalties. Wells Fargo was notified, and they continue to deny but it is valid. There will soon be a lien on my home. Throughout the process Wells Fargo has jacked up my mortgage nearly {$1700.00} a month for taxes they state they are paying, they have refused to complete an escrow analysis following a finalized court case on the property assessment appeal, and they have refused to allow me the option of managing my own escrow account. Managing it on my own would have proven more successful with both time and money. I have filed XXXX formal complaints with Wells Fargo but get nowhere.

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 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MT

Complaint narrative:
This loan has never been late. I was either a XXXX XXXX XXXX or my loans were in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30days investigation by sending them letter instead of properly validating or removing the account on my file.

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 2022-03-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have on two previous occasions requested copies of the information you used to authenticate the claims of debt against me certified received on XX/XX/XXXX, and on XX/XX/XXXX proof is attached. 
Pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681g ( a ), I have a right to copies of all of the documents and information that you have recorded and retained in your file at the time of the original request concerning the accounts that you are reporting in my credit report. If you are unable to provide validation, verifiable proof such as signed contracts or agreements within 30 days of receiving the first certified letter, which was received on XX/XX/XXXX, you must remove the unverifiable and incorrect information. 

To assist you as best I can, I have again enclosed a copy of my drivers license and passport as proof of my identity and a letter from the IRS ( internal revenue service ) below are the accounts in question. Your immediate attention to this matter is greatly appreciated because is well outside of the 30 day investigation period and it's having a negative impact, The accounts in question are listed below. 



Company Account Balance Company Account Balance XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$500.00} XXXX  XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXX {$500.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.

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 2022-03-31 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I Consumer, XXXX XXXX extended credit to Barclays Bank entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act.

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Barclays account listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out.

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.

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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: NM

Complaint narrative:
I previously submitted a complaint about Rausch Sturm LLP attempting to collect the incorrect amount of debt. On XX/XX/2022 Rausch Sturm LLP sent communication confirming the actual and correct amount of debt owed. They said that, I as the customer only owe XXXX to pay my account in full. 
I have made multiple attempts to contact Rausch Sturm LLP to pay the above amount to settle my account. They refuse to give me access to my account saying it is still in a dispute. No one can answer my questions of how long it will take or offer any solutions. I would like to pay off the account and be done with this company. I have called weekly to ask for updates my account and have not received any helpful information.

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These 3 credit bureaus should not be aloud to use XXXX laws ( XXXX not American 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