vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
Around XX/XX/XXXX we were residing at XXXX XXXX XXXX, owned by XXXX XXXX. During this time our apartment had begun to leak large amounts of water when it rained. Eventually it resulted in us having to call the fire department. This problem was never resolved. After repeated contacts to a XXXX XXXX who did eventually offer us another sub par unit, we moved out. XXXX  is now over a year later attempting to seek money for their flooded unit, using deceptive and dishonest methods. Just yesterday XX/XX/XXXX A Mars 's Inc here in XXXX contacted us trying to collect XXXX, I then called XXXX, and spoke to a XXXX XXXX. She informed me the fees were for cleaning, breaking our lease, and so fourth. She later had to call back because she discovered what I had previously claimed was true. So she now has informed Mars Inc that we allegedly owe {$360.00}. XXXX XXXX according to XXXX XXXX has left the company, and no longer works for XXXX XXXX XXXX. However I am very careful to keep all Emails and Pictures, including the one where XXXX XXXX offered us another unit, and all the emails where she talks about having the roof professionally fixed, but never did. I can't express how disgraceful XXXX XXXX XXXX and XXXX XXXX actions are, we are under no obligation to rent from XXXX XXXX XXXX and had discussed moving multiple times, it is clear that Mars Inc has been hired out of retaliation after XXXX XXXX left, because XXXX is mad that we left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Please see complaint # XXXX. 

Sallie Mae Bank was lender in XXXX  ( When XXXX. XXXX Bankruptcy was filed ). Switched to XXXX XXXX. 

Lender has since changed twice in 8 years. This SHOULD HAVE been removed by Sallie Mae Bank back in XXXXBut they just passed it to next lender who is just as non-responsive as Sallie Mae was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, XXXX and Equifax received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

Equifax- Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Between XX/XX/XXXX XXXX XX/XX/2022 Experian, XXXX and XXXX received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

Experian-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

XXXX Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.

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 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Intelliloan, Inc
State: CA

Complaint narrative:
In XXXX of XXXX I received a new escrow analysis for my conventional loan dated XX/XX/XXXX On this analysis they reported that my homeowners insurance was going to be {$11000.00} for the following year. It is actually {$1100.00} per year. This error in accounting by the servicer resulted in the monthly payment more than doubling effective XX/XX/XXXX. On XX/XX/XXXX I called Intelliloan the servicer for my loan and we had a three way call with my insurance Agent from XXXX. We explained and he faxed them the actual premium showing it is not {$11000.00} it is {$1100.00}. I explained that I could not afford the new mortgage payment as I am on fixed income. XXXX with Intelliloan admitted it was a mistake and said they would fix but that I must make the higher payment until they straightened it out. I again explained I could not afford the higher payment. My previous payment had been {$1300.00}. They want me to pay {$2700.00}. I paid {$1300.00} in XXXX and called them again to explain the issue. A supervisor, XXXX told me the new payment would be {$1300.00} and she would accept the payment and put a note on the file. I paid {$1300.00} in XXXX. This amount has put in suspense and they sent me my XXXX payment coupon showing I owe {$1300.00} for XXXX and I owe a past due amount of XXXX plus late fees. In a phone conversation with them they told be to just pay the past due and they would refund it to me later. I again explained that I do not have the money to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 my wallet was stolen, which included my social security card. On XX/XX/2022 SUNTRUST DBA LIGHTSTREAM ( Bank ) ran my credit even after I had a fraud alert put on my account and I received no notice of this credit check. It is not showing as a hard inquiry on my credit report. I am attempting to contact them with no luck so far. This hard inquiry is fraud.

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am getting calls 10 or more times a day at all hours. They are asking for a person I don't know. I have told them I am not that person they are looking for. I block them and they change numbers. 

The company of Portfoliorecov XXXX or XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello, My name is XXXX XXXX and I'm the XXXX XXXX XXXX XXXX XXXX. My father passed a couple months ago and I've been XXXX XXXX XXXX. We recently got scammed through XXXX and the company can't do anything about it. I will be filing a police report, but would like financial assistance.

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 2022-08-31 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: GA

Complaint narrative:
According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus Experian, XXXX, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. Experian, XXXX, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle

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 2022-08-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, a charge for {$530.00} was processed from the previous day where I purchased two concert tickets from an entertainment company ( XXXX ). Immediately after this purchase on XX/XX/2022, I was sent a text alert from Chase informing me that the aforementioned purchase would not go through as they believed it to be fraud, and if I would need to repurchase whatever I was trying to buy. I believed that they were being honest and what they said was true. 

Because of this, I immediately made another purchase of a slightly different seat that totaled to {$510.00} and was also processed on XX/XX/2022. So, essentially, Chase lied to me about the first charge not going through and needing to repurchase. When I spoke over the phone to their dispute resolution I was told it would be removed later. I believed them. 

As a XXXXXXXX XXXX, I am not constantly looking at my bank account as I am unwell a large percentage of the time. When I eventually noticed they had never resolved the situation, they said it had been too long and there was nothing they would do. This entire extra purchase was completely unnecessary but they told me it was essential. My bank blatantly lied to me and refused to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I contacted Apple Card Support after getting a new XXXX and adding all of my credit cards to my wallet. I received a notification that my account had been closed when I added my Apple card. This seemed odd to me because to my knowledge it is illegal for anyone to collect an extension of credit. I received an extension of credit when I opened this Apple card by Goldman Sachs using my SSN. However, the error was probably caused by a mistake or a system error, so I contacted their customer support team. This big of a corporation wouldn't do anything illegal, would it? While addressing this situation with him, the customer service representative was very friendly and helpful. I was placed on hold for a few minutes waiting to be transferred to a supervisor. He came back and said to refer back to the email why my account was closed and that she couldn't provide any additional information. That wasn't a big deal to me, and I knew he and the supervisor didn't realize that collecting an extension of credit is illegal. Additionally, I asked her to keep it in the notes in case someone from the legal department or supervisor gets in touch with me. 18 USC 894 ( a ) ( 1 ) ( 2 ) Whoever knowingly Participates in any way, or conspires to do so, in the Use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
Trying to dispute all these off my credit I have no knowledge of these XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor in the amount of XXXX {$2.00} ) grant and Weber in the amount of XXXX {$3.00} ) XXXX XXXX XXXX in the amount of XXXX {$4.00} ) XXXX in the amount of XXXX $ These are the items I need removed Thank you so much

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 2022-08-31 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX At XXXX XXXX XXXX I sent disputes several times stating incorrect balance an wrong information with out my consent

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 2022-08-31 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: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX is reporting this debt on my consumer report. The information that is being furnished to the consumer reporting agencies is incorrect. I have submitted my state ID and a copy of my social security card to the consumer reporting agencies and they are still relying on and furnishing incorrect 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 2022-08-31 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.

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 2022-08-31 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: FL

Complaint narrative:
The day last active and the day last reported are all different

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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: South Coast Doc Prep
State: VA

Complaint narrative:
XXXX. XXXX. Claims to help get XXXX  loans forgiven. Asked {$2500.00} plus to do it. Claimed they were operating under the XXXXXXXX XXXX  XXXX act of 2010 and anything that president biden was doing. They wanted debit info etcetera. Checked them online. There were claims of being a scam

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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 an 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 2022-08-31 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: AFNI INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I've had my identity stolen. There is nothing on my credit record that pertains to any of the purchases I've made. It's because someone stole my identity and used it without mypermission. Because I filed a complaint with the FTC about identity theft, here is a copy of that report. Please remove this from my credit record and notify the relevant parties. 

Your help will be highly appreciated on this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
EdFinancial is giving inconsistent information regarding refunds for federal student loan payments made during the pandemic. They are quoting 150+ days to get a refund for those payments. I understand that they are overwhelmed with requests, but so is every other federal loan servicer. Other loan servicers, such as XXXX, are only quoting up to 90 days to get a refund. EdFinancial also refuses to tell me at what point my balance will be reinstated even though I have called multiple times asking. I even asked at what point it would be reinstated if it was not such a busy time for them, and the rep refused to tell me. Since each lender is getting an influx of requests for refunds, they should all have similar wait times. EdFinancial 's wait time is twice as long as any other lender and they refuse to send any confirmation emails or answer general questions about how these processes usually go. This is unacceptable as many borrowers diligently made payments during the pandemic and need their balance reinstated before their loan balances are forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: OH

Complaint narrative:
In XXXX of 2021, I had XXXX ER visits to XXXX XXXX XXXX ( XXXX, OH ). The debt ( about {$2000.00} ) went into collection last year but I paid and settled the debt ( around {$1300.00} ) with XXXX XXXX XXXX on XXXX/XXXX/2021. I have a screenshot of my bank statement. 

Another debt collector XXXX XXXX has been calling me and sending me mail about the same debt. I told one of their reps on the phone that I paid it off last year. I just checked my credit score and they put two delinquencies on my account for the debt that I have already paid. XXXX accounts ( for the XXXX ER visits ) for about {$1100.00} each.

Company response to consumer: Closed with explanation