vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
After disclosing to XXXX XXXX located in XXXX XXXX XXXX, SC on XXXX XXXX XXXX XXXX XXXX XXXX, that I was unable to make my next payment due to a death in my immediate family. They were reluctant to work out a payment plan with me at the time and encouraged me to submit payment as soon as possible. I immediately starting receiving threatening letters at my home address demanding payment or my items would be seized and/or I would be sued by their company. After carefully reviewing my credit report, I noticed that XXXX XXXX made UNAUTHORIZED HARD INQUIRIES on XX/XX/2022 and XX/XX/2022 that I did NOT give permission for. XXXX XXXX XXXX has no permissible purpose according to the FCRA. When I called to inquire about the unauthorized hard pulls on my credit report, XXXX, ( employee of XXXX XXXX ), claimed he had no knowledge that this was done. Due to those unauthorized hard inquiries and unfair reporting practices, Im unable to receive any further loan assistance. Attached is a document proving the hard inquiries were pulled via XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
PayPal decided to shut down my account and placing a permanent banned on my account or any new accounts I open without any reason giving

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a mobile deposit on XX/XX/22 of {$1200.00} from XXXX XXXX XXXX to Citibank. Citibank put an 8 day hold on the deposit claiming they had information of a fraudulent deposit. No one at the bank or the phone number listed on the Notice of the Hold could explain or give me a reason. They had no evidence of any fraud. Because of their action, my rent check bounced and I was charged {$35.00} in late fees, etc.

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 2022-10-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/22 I contacted Equifax concerning the credit files sent to me on XX/XX/22 by Mail from equixfax. Confirmation # XXXX. I have found inaccurate information pertaining to Personal Identification Information inside Equifax Database System which is a violation. On the credit file the date of birth is inaccurate showing XX/XX/1899. The Name is Spelled XXXX XXXX Which is a error. The correct spelling of my name is " XXXX XXXX ''. This is a business Tort, breach of trust, affecting my credit, and misrepresentation. Violation of 15USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is reporting the below, XXXX ( XXXX ) late payments to the XXXX XXXX XXXX : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX I sent the below communication to Navient requesting to have the XXXX ( XXXX ) late payments forgiving or removed from my credit report. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX The student loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: MI

Complaint narrative:
Experian, XXXX, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.

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 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
Company sends out marketing emails and other communication without an ability to unsubscribe. I have tried to unsubscribe and can not. 

remove XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: FL

Complaint narrative:
these inquiries do not belong to me XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX  XXXX XXXX and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that XXXX  XXXX XXXX was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.

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 2022-10-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted XXXX  XXXX XXXX and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that XXXX XXXX XXXX was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is my loan servicer. I have federal loans from XXXX that were converted into FFELP loans with Navient. Although I work in higher education, and therefore am eligible for both the one-time {$10000.00} relief and the Public Service Loan Forgiveness program , Navient both threatened debt collections to continue collecting loan payments during the federal moratorium on loan payments and failed to ask or inform me if I work in a PSLF field when they uniformly told me my loan was not eligible for the one-time Biden forgiveness plan.

In fact, because I work in a PSLF field, my loan is eligible. Navient therefore lied to me about my eligibility in the federal program in order to continue receiving payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
A notice of cease and desist, as well as certified proof of contract was sent to Sequium Asset Solutions , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have used XXXX XXXX XXXX  credit card for several years without a problem. When I tried to make a payment on my XXXX credit card, I found out it has been sold to Comenity - I had no prior knowledge of this transfer. I was given a number for Comenity and on Friday, XX/XX/22, I contacted Comenity and was informed that my credit card with XXXX had been cancelled on XX/XX/22. There was no prior notice given. I was told that a credit card had been mailed and I informed them I had not received it. They apologized and a new card was issued and supposedly expedited ; I was told I would receive it within 48 hours. Today I called & was informed that I would receive the card no sooner than XX/XX/22. I had the XXXX linked to XXXX, ( where I purchase groceries thru XXXX XXXX ) and have not been able to use the credit card. 

I have no confidence in Comenity and would like to cancel this credit card without it affecting my credit score or losing the rewards I had with XXXX, approximately {$70.00} +/-. I would appreciate any help you can give me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Entire XXXX of XXXX 2022 ( calling all day from blocked numbers starting from XXXX up until XXXX along with sending text messages ) Specifically XXXX XX/XX/2022 comenity bank contacted my mother discussing my account with victoria secret and its an attempt to collect a debt ( please note that I am well over the legal age of XXXX ) who is not an authorized user nor is her number listed anywhere did I ever list her on my accounts. Spoke with a Comenity representative that stated none of the last four of the numbers given was listed which further makes me believe this company searched the world wide web for information. 

By law creditors are only allowed to contact your parents if you are not of legal age and are not to discuss any debt as I am not a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously reported that these inquiries are not mine, but they remain on my credit report 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed my disputes XXXXwith Transunion and they have failed to investigate my credit report under 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX  ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.

Also Transunion is sharing my personal data with 3rd parties such as XXXX XXXX without my knowledge or consent No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
The complaint is regarding a Chase XXXX XXXX credit card. This card has been open but has remained inactive for years. It came to my attention in XXXX of this year that I had an outstanding balance secondary to the yearly fee. In XXXX I spoke with customer service and was told that the account would be closed and all of the fees would be waived and that I would have a {$0.00} balance. 

On XX/XX/2022 I realized that there was an outstanding balance listed on my credit report for several XXXX dollars related to this account. I called J.P. Morgan Chase customer service on the above date and described the phone call in XXXX. At that time, they stated that they would perform a " call pull '' and review the phone call in question in XXXX. They stated that they would rectify the problem if I was in fact told that the account would be closed and there would be no further fees/account balance during the XXXX phone call. I was told I would receive a call back in XXXX to 10 days On XX/XX/2022, 14 days after the initial call, I called back to check on the status. Customer service informed me that my account was sent to collections on XX/XX/XXXX. They stated that they were obligated by law to perform the call pull within 14 days. They stated that they would attempt to do so and call me back in XXXX business days. 

On XX/XX/2022, received a call from customer service stating the reason for the late fees. They confirmed that the account was closed and that there were late fees that were due. They did not perform the " call pull '' to review the call from XXXX as they mentioned they would. 

Ultimately, I was told in XXXX that the account was closed and that I had a {$0.00} balance but despite this, the fees remained active and were ultimately sent to collections after I started to further investigate in XXXX. The call any question in XXXX was never reviewed after numerous calls to customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX  services XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe 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 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Since XX/XX/XXXX I have made multiple calls to Loancare trying to get a Loan modification after coming out of forbearance. Loancare reported my loan as delinquent for the months that I was in forbearance. This resulted in an over 100 points drop in my credit rating. This prevented me from obtaining a refinance from any other entity. We had an modification agreement in XX/XX/XXXX. I had the documents notarized and sent back to Loancare XX/XX/XXXX in the XXXX envelope that they provided. Loancare did not process the documents. They informed me that they did not receive the documents until XX/XX/XXXX. I find that impossible to believe. Then Loancare sent me another modification agreement with a higher interest rate, a higher mortgage payment of close to {$2700.00}. 
Their calculations included the amount of the delinquent payments while in forbearance. 
I have made countless calls to Loancare from XXXX XXXX XXXX, spoke with countless agents, been told conflicting information an the situation remains unresolved. The website will not accept payments from debit nor credit cards which prevents making the payments. I have asked for options to pay without response. The agents have admitted that the post office returned documents to them that did not reach me but decided to move forward with the foreclosure. The XXXX tracking dates do not match the date on the notices that Loancare states that they sent documents. When I did receive documents, I was past the response date because Loancare did not send them out to me timely. Loancare is impossible to deal with and should not in my opinion be allowed to service mortgage loans. Their incompetence is glaring.

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 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX, Transunion, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.

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 2022-10-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX, and Equifax is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A letter dated XX/XX/XXXX received at residence referencing a XXXX XXXX XXXX with a past due amount of {$1500.00}. 
Phoned the company, Credit Acceptance, to advise them that the addressee is permanently and totally XXXX and does not know of such a car loan. 
The representative was unable to assist and was advised that a cfpb complaint would be filed.

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