vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: OR

Complaint narrative:
Over the last several years we have had numerous difficulties and limited options for loan repayment via Sallie Mae. Our Loan originally had a cosigner in XXXX, our cosigner was a family friend and she passed in XXXX from XXXX. The company required us to supply them with a death certificate to have them removed from the loan and we were told that we were not eligible for any additional loan repayment options or programs until the cosigner was removed from the account. Since we were not direct family with our cosigner we had extreme difficulties obtaining a copy of their death certificate which resulted in us requiring alternative loan deferment options during which Sallie Mae was charging predatory interest rates of over 10 %. My original loan amount was {$13000.00} and now the loan amount is over $ XXXX just from the interest that was charged while I was still in school from XXXX and in a XXXX XXXX  XXXX. 

We finally got Sallie Mae to remove our cosigner in early XXXX, which we were told would allow for additional options for loan repayment support. That was a lie, Sallie Mae reported that the only options for support were additional forbearance or interest-only payments which are only limited-time options and do not actually support our ability to pay down the loan. We can not afford a {$1400.00} monthly payment, and they are charging an additional {$200.00} a month in interest. At this point, we feel like Sallie Mae is setting us up for failure and loan delinquency, it feels like they have no intentions of supporting us in repaying their loan. There has also been no additional support or relief options provided since the COVID-19 pandemic started and have been continuing to charge more and more interest at a predatory rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NORTHWEST BANCSHARES INC
State: AL

Complaint narrative:
Improper use of my account in accordance with fair credit reporting act section 602 states i have the rights to privacy 15 USC 1681 IT ALSO states a consumer reporting agency can not furnish account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose

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 2022-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I received a delinquent notice from my county treasurer 's office, indicating my second escrowed tax payment ( due in late XXXX ) has not been received from the mortgage company. The amount due is XXXX. We have not paid on time in the nearly seven years we've had the motrgage- we've paid EARLY every month. I called the mortgage company and was told it was paid. Multiple calls back and forth since and no resolution as of XXXX XXXX XXXX XXXX XX/XX/XXXX, The mortgage company informed me the payment that was due in XXXX was sent to the treasurer 's office in XXXX, XXXX ( several months late ), yet nothing has been received in the county tax office. This is the second time we've had issues with Click 'n Close Mortgage ( formerly known as Mid-America ) escrow department since XXXX. Property taxes for the next year will be coming soon as will our homeowner 's renewal. I have XXXX trust of confidence in this mortgage company 's ability to fulfill its fiduciary responsibilities. XXXX the county tax office advised we are not the only person in our county who has escrow issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
I applied for employment at XXXX and they conducted a background check into my motor vehicle record with a company called First Advantage. The company reported my license status as " withdrawn '' and have made no changes or updates to correct it. They also reported me as ineligible. The report is dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Someone used my personal information to rent an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX on XX/XX/XXXX left XX/XX/XXXX I came to learn this after i found a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: OH

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 US Department of ED # XXXX 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 states a consumer reporting agencu 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 7 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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a TARGETED   postal mail offer in XXXX of XXXX that advertised ( directly to my name at my address ) a offer of opening a new TD Bank checking and savings account. The offer stated I would receive {$400.00} bonus added to the new checking account and {$200.00} added to the new savings account. The terms stated I had to have direct deposit to the checking account and for the savings account I needed to transfer in {$20000.00} of outside funds and it could take up to 150 days from the account opening to be awarded the amount. 

I was previously a TD bank customer and brought the mailer in to my local branch and inquired if I was in fact eligible due to the previously closed account. They told me they needed to contact a promotions team and they would get back to me and collected my phone number and made a copy of the mailed offer. Later that day the branch representative called me and told me that they confirmed that I was in fact eligible for the offer and he needed to schedule an appointment with me to create the account and make sure he had the promotions attached correctly. 

The next day ( XX/XX/XXXX ) I went in and made the account. The direct deposit activity requirement for the {$400.00} checking bonus was completed on XX/XX/XXXX. The {$20000.00} savings account deposit was completed by XX/XX/XXXX to fulfill that offer. 

The {$200.00} savings offer was loaded to my account on XX/XX/XXXX but the {$400.00} offer for the checking was not. I reached out to support at that time and they told me it looks like I did fulfil all requirements but per the terms we need to allow up to 150 days and to contact back on XX/XX/XXXX to allow them to exhaust the 150 days and they would then research it. I contacted back on XX/XX/XXXX and asked them for a update as I still have not received the promotion and they responded they would investigate it. On XX/XX/XXXX they replied back stating that because I had a checking account with them on on XX/XX/XXXX ( almost 2 full calendar years ago ), I was ineligible to receive this new bonus. 

I want to reiterate the point that I received this as a TARGETED mail offer. They sent this to my name at my address knowing previous account history. Knowing this, I spent my time to travel to their branch and asked this very question : " Would I be eligible because I had a previous account? ". They told me they needed to look in to this further and contact a specialist and they got back to me later and scheduled an appointment for me to come back and open the account... IE waste more of my time... the next day. TD Bank clearly bait-and-switched me in order to have me not only waste my time and efforts of transferring money and setting up direct deposits, but then strung me along knowing that I would not receive the bonus after they PROMISED me the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
in accordance with the fair credit reporting act, Capitol One has violated my rights. Under 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent or instructions. Under 15 Unit C 1666B A Creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted disputes and the company has still not removed this information. I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged Bankruptcy with XXXX XXXX. Meanwhile I recived a letter from XXXX XXXX on XX/XX/2022 stating that this Alleged Bankruptcy has been removed due to incorrect information. Therefore it is impossible for Equifax to have verified this Account with XXXX XXXX if XXXX XXXX has already removed it!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also 15 USC 1681s-2 ( A ) ( 1 ) states : 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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
Binance US disabled my account on XX/XX/2022. I can't log in neither can I trade. I have {$6900.00} locked in my account that is rightfully mine. I also lost my money on XXXX XXXX to a scammer. I'm doing my best to protect my {$6900.00} in my Binance US account. They are not working with me to resolve this case and it's been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Good day, I would like to dispute an account which have been affecting me. I rented out a house in XXXX XXXX XXXX  through a company name XXXX XXXX XXXX XXXX. This company is falsely charging me for {$5900.00} for damages to the house which is not true. I left the house in the condition I rented it out. The house have genereal wear and tear which I the property management responsibility. I have been a good tenant and paid on time every month. I can't believe they are trying to overcharge me. It was cleaned and no furniture or anthing was left behind. This company is trying to claim I owe which is false information. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have an outstanding collection of XXXX USD that is linked to my SSN with a balance date of XX/XX/XXXX. Lender is " XXXX XXXX XXXX XXXX XXXX '', date opened is XX/XX/XXXX, original creditor is the " 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 2022-10-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
I submitted a dispute regarding falsely furnished accounts by Experian ( Complaint ID XXXX ) the response is not valid in that the investigation is in violation of 15 U.S.C. 1681a ( e ) - investigative reports must have sources of interviews of family and friends, and the results can not contain factual information. The " creditors '' are neither family or friends. No notice of dispute was placed on the alleged accounts per 15 U.S.C. 1681c ( f ). Further, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) this dispute was made XX/XX/2022, and Experian did not submit a reply until XX/XX/2022. This reinvestigation has taken longer than 30 days and the alleged accounts should have been deleted. Experian failed to maintain reasonable procedures designed to avoid violations under section 1681c, and no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of title 15.

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 2022-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
Hello, According to 15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs. 

I have been in communication with AARGON agency via email and one of the representative called XXXX promised to send out debt validation and HIPAA authorization to validate debt. Couple weeks later and I received itemized bill which doesnt give breakdown of debt. Its been over 30days and I still havent received no accurate validation to prove this debt was mine. The agency also indicated theres no federal or state law violation, but this is a violation of 15 u.s code 1679c.

I request AARGON agency to Cease communication and quit reporting inaccuracies to my credit report. Failure to abide by this will definitely lead to a lawsuit for inaccuracies and messing up credit report. Attached is said communication with agency which she promised to send out a document which she never send out. Now I tag this as FRAUD and also violation of HIPAA and FCRA ACT

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 2022-10-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has Violated my Federally protected comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF EDXXXX ACCt # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retired Spouse wrong not married XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX5USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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