vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 us 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Initially, I made a payment plan to pay off my past due balance in the amount of {$3200.00} to Net Credit. However, as this didn't reflect positively on my credit report., I was forced to pay the entire amount past due {$3200.00} in order that the company will stop having negative reports each month. 
Currently, my payment schedule still reflects the past-due amount already paid. The website states that it is paid. 
I have contacted the company over XXXX times. I was told that I am on the manager escalation list to call me 7 days ago. Nobody will call me and as it stands if I don't want negative credit reporting I will need to pay everything according to the schedule otherwise my credit report will be ruined again. 
I filed a complain initially and received an email from them to call and adjust the schedule. The only answer I receive is from customer service and nobody else. 
This company is the biggest scam and unfortunately, I am stuck with that until I pay it off, however, I don't want to pay {$3200.00} twice. 
I can not get a mortgage until the correct that as well as their reporting on my credit and am living in a moldy house in house after Ian

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have no knowledge about those hard inquiry and account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
I am behind on my private student loan and have tried numerous times to get my payment lowered. Every time I try Navient fills out a financial statement and at the end I have a negative income to be able to make the monthly payment. Now they are excessively calling me. I have logged 11 phone calls in the past 7 days and I read that in late 2021 there was an amendment to Regulation F of the FDCPA which now prohibits a debt collector from making more than 7 calls in 7 days to a person who owes the debt. I have spoken to XXXX from Navient and she said that Navient was aware of this and was breakling no law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company

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 2022-10-11 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. 

I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. 

XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IL

Complaint narrative:
Hi I am submitting this 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 719tXXXX has me at a score around 590. 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 us 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
PLEASE EXCUSE OTHER COMPLAINT SOME HOW PAPERWORK GOT MIXED UP This Company XXXX alleged that I XXXX XXXX a natural born person has an alleged debt with them. They have called my phone and also emailed me over and over again. This company is in violation of my rights do to not having my consent to contact me. This company is also in violation due to reporting to my consumer report. This company is also a third party that should not have my personal information. Due to having my personal and financial information you are in violation due to stealing my identity to furnish false information on my consumer report. You're also trying to collect for a company that is not in business anymore at the particular location. 
THIS COMPANY HAS ALSO TRIED TO STEAL PAYMENT FROM XXXX OF MY CARDS!!! This is also proof that this company kept my personal information for their own use by furnishing false information. 
This is fraud and also a violation of my rights as a Creditor of my own account. I'm the creditor due to using my social security number during the said transaction. Not only am I the creditor but this debt has been paid since day XXXX of voided contract due to not conspicuously explaining the finance charge. The finance charge is in fact the sum of all charges. It has come to my attention that XXXX is trying to double dip. This company is now in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SC

Complaint narrative:
There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. Equifax I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I am filing this complaint against XXXX Mortgage XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX IN XXXX Essentially, in computing my escrow account, they doubled my summer taxes. In Michigan we pay summer taxes which are much higher than winter taxes. For ex summer tax XXXX winter tax XXXX. Instead of estimating my winter tax based on the increase of summer tax, compared to XXXX or simple math and applying the new calculation, they DOUBLED my summer tax and increased my monthly house payment by XXXX a month. I called the spoke to the tax department XX/XX/XXXX and uploaded all proofs of winter tax I received and then followed up with them on Tuesday XX/XX/XXXX. They refuse to acknowledge their errors and insist I pay the additional XXXX a month until the city of XXXX Michigan publicly publishes the winter tax amount. So in essence their accounting practices are predatory in nature. Their research consists of going to the citys website and if new taxes are not published they double your most recently paid amount. Ive owned several homes and this has NEVER happened. I am hitting a brick wall with them and I did not chose this company but was sold to them. XXXX Mortgage XXXX XXXX is unethical, predatory and committing fraud on homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I sent a certified letter to XXXX XXXX Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports Experian, XXXX and XXXX. 

I also sent copies of these letters to Experian, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, Experian and XXXX have continued to report this inaccurate and false information. 

Experian has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I'm unable to call ESCI 's customer service and discuss my wish to rehabilitate my loans, because they refuse to discuss my account with me. They inform me that despite providing my current contact information, social security number, and DOB, they can't validate my identity without me providing an unnamed previous address. I provided them with my last 10 years of addresses and they say none of them are the specific previous address they want. They've completely locked me out of my account and prevented me from doing anything regarding my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: MS

Complaint narrative:
Hi I am submitting this 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX 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 us 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2022-10-11 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: MS

Complaint narrative:
Hi I am submitting this 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 us 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2022-10-11 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: SC

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 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
Consumer complaint received 2022-10-11 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: SC

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDXXXX : # XXXX, XXXX XXXX XXXX # 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 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