vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
my mortgage company PennyMac Loan service llc sent me a letter informing me i have a lapse on hazard insurance, the lapse is 52 days and i am charged {$1600.00}. PennyMac put in place an insurance for a coverage of {$2.00} million, my property 's appraisal price is less than XXXX XXXX and mortgage amount is XXXX  XXXX. 
I checked my policy and acknowledge this lapse. however the hazard insurance i purchased costed {$200.00} annually. This is a serious ripoff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK
State: IL

Complaint narrative:
I opened a checking account with EtradeXXXX XXXX XXXX bank . 2 weeks ago my account was closed without warning. I have asked repeatedly for wire instructions on how to get these funds with nobody able to assist me. This is my only money and is used for my kids ' medical bills and household expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Beginning of XX/XX/2022 I had to renew my income based payment plan with Navient and XXXX XXXX. Both have been on the Covid deferment issued by the President. Once Navient approved my renewal and gave me my payment amount, I then received a statement with payment amount and due date and that I was currently a month behind. I received this information by email attached photos below on XX/XX/2022. Once I read the email, I then preceded to contact Navient about the payments being deferred by the President for Covid and Navient replied these loans do not qualify for that. Granted my payments are only {$13.00}, but how do you go from them being deferred to not being eligible just cause you updated the XXXX?? Thanks

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: TX

Complaint narrative:
15 USC 6802 I was violated as a consumer ( B ) the consumer is given 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 which I was not given. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries. 

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved asap.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
NEW & UPDATED INFORMATION This will be the XXXX attempt of getting a debt validation from Receivables Performance Management they had said within their second to last response, which is attached that that they have sent Debt Validation on XX/XX/2022. It is now XX/XX/2022, and I have yet to receive anything from Receivables Performance Management. Again, the only thing that I received was an encrypted email from persons claiming to be Receivables Performance Management which I did not opened because of the possibility of a scam, and a letter from Receivables Performance Management of them attempting to " settle '' the account AFTER I have sent them my debt validation request. All of my supporting documents are attached. 

Receivables Performance Management also continues, after I have made them aware several times, to indirectly communicate with me about this alleged debt through the medium of my consumer report. At which point Receivables Performance Management is willfully and maliciously violating both the Fair Debt Collections Practices Act, and my rights as a consumer. 

If Receivables Performance Management, did in fact send the debt validation on XX/XX/2022 I ask that they send proof.

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: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX notified me that I owed them {$54.00} for using their XXXX XXXX  toll payment option for a car I rented at XXXX XXXX. I don't remember agreeing to this and when I researched this matter, I determined I was not alone as a class action settlement * was approved in Florida in XXXX. 

I fought this charge through several channels and was finally credited the {$54.00} charge. 
======================================= XXXX XXXX  XXXX XXXX Posted On XX/XX/XXXX Type Credit {$54.00} ======================================= In XX/XX/XXXX, XXXX placed the billed amount plus an {$11.00} fee in collection with Transworld Systems , Inc. ( TSI ). When I asked XXXX why I was in collection after my account was credited, they told me my bank ( the one who has my XXXX credit card ) must have authorized this. I called the bank and here 's what I received- ( " The merchant has now agreed to credit your account for {$54.00} '' ). ** After multiple calls, XXXX agreed to collect just {$54.00}. I decided to pay them on XX/XX/XXXX because I feared that a collection account on my credit report would cause years of added expense from potential creditors, insurers, etc. I then followed up with TSI to be sure XXXX directed them to halt collection efforts. And while TSI told me my case was settled, they claimed they had no way to determine whether the collection account would appear on any credit reports. 

I thought it made sense to speak up. 

Thank You. 
========================================================== * Office of the Attorney General, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I entered into the Fortiva credit protection program which pays the minimum balance due for 6 months. Fortiva paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Hi, this complaint is in regards to MED-1 Solutions , LLC, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX phone number ( XXXX ) XXXX. 
I received a phone call on XX/XX/31 at XXXXXXXX XXXX about an alleged debt that was owed. I asked what the debt was for and they stated it was for a hospital visit. I stated I had not received any documentation about said visit and requested they send me documentation. They said they had already sent me documentation, which I again expressed I had not received. He then went on to say they would not send me any documentation about the charge and insisted I just had to pay without knowing what the payment was for. 

I hung up and called back in to speak to someone else and she let me know they can certainly send me information in regards to the debt. I do not appreciate being harassed by the male I spoke to, and being told I have to pay a debt without knowing the specifics behind what the debt pertains to. 

She noted that he certainly should have let me know there was an option to have that documentation sent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Vehicle illegally obtained in my identity Account # 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: 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: IL

Complaint narrative:
Vehicle illegally obtained in my identity Account # 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 2022-03-31 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: MI

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}

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 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ( Original Creditor : ) XXXX Balance : {$0.00}

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!

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: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}

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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
When I got my student loan, I was assured XXXX would qualify for loan forgiveness if we worked in qualifying XXXX.

I have worked in qualifying XXXX, I work with XXXX XXXX XXXX moderate to severe, Navient encouraged me to consolidate loans and then has Denied loan forgiveness stating I shouldn't have consolidated due to date of first loan. Yet they say they do not have access to date my first loan began!!! 

I have just been able to access my account again, AFTER I threatened going to the AG and complaining. 

I am XXXX and about to retire with XXXXt loans even after working and paying for 19 years. My loan life is expected to end in 10 more YEARS!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Probability is pretty good that YES, XXXX XXXX XXXX I will still owe Navient.

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 information incorrect
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. I ask that you delete this information listed in the FTC report. I've reported the theft of my identity to the Federal Trade Commission and enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove this information immediately to correct my credit report. Thank you for your time andconsideration.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation