vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NC

Complaint narrative:
Yesterday I received a call for the second time about a payment that was " past due ''. I informed them that my loan was specifically purchased with a lower interest rate for autopay. If there system is working there is no possibility for a late payment, and I prove with bank statements I have had the funds in my account the whole time. I had them manually pay so the bill would not be past due, and they said it should be fixed and autopay should work the next time. 
Today I received another call asking to pay a past due fee. I explained again that my loan was purchased on an autopay plan. There is no reason there should be a past due fee because how can I be responsible for missing a payment I was not responsible for initiating. 
This is the second time Sallie Mae has tried to do this with a student loan for me. I think they are purposefully manipulating the autopay system to get more money out of people, and I am sick of dealing with their harassing phone calls over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: IN

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 : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I spoke with navideo in regards to getting my XXXX loans discharged. There was a website on the US Dept of Ed that the CFPB work to protect XXXX borrowers resulted in a action which barred XXXX from engaging in predatory private student lending and resulted in {$490.00} XXXX in private student loan cancelation. In light of this articles, navient is dismissing this claim an acting as they don't know nothing about it. I spoke with federal student aid and they informed me that these loans should if also been forgiven as these are XXXX private loans. 
My private loans with XXXX ARE THE FOLLOWING XXXX {$13000.00} XXXX - {$8000.00} XXXX - {$3400.00} What can we do in terms of these private loans that were taken when attending XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Consolidated student loan with XXXX XXXXXXXX XXXX  to qualify for PSLF I filed paperwork and it was accepted about 6 months ago .. 8 years of payment were not counted. I tried calling multiple times and they told me to just wait .. now loans transferred to Mohela and still not counted .. Mohela after multiple tries says unable to answer call in its voice menus.. How do I get my payment count updated .. get to someone at mohela for force a manual payment recount review?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Automotive Services Finance, Inc.
State: VA

Complaint narrative:
On XX/XX/2022 i informed Automotive Finance Services that i was officially rescinding the Retail Installment Service Contract made in XXXX XXXX on the basis of fraud. It came to my attention that contract 's finance charge had been fraudulently manipulated. Automotive Finance Services has been uncooperative and it has passed the 20 days and they have yet to refund the downpayment and monthly payments received

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 2022-10-25 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: GA

Complaint narrative:
I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXX  ) I would like have XXXX XXXX XXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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 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 XXXX XXXXXXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 : XX/XX/2022 2022

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 2022-10-25 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: IN

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 : XX/XX/2022 2022

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 2022-10-25 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account 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 non-monetary relief
Consumer complaint received 2022-10-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
have been trying to call comenity capital credit card XXXX for 10 days and staying on phone for 3 to 4 hours now the company has stopped my credit card i pay my bill and i was trying to dispute a charge i sent the credit card company a letter trying to dispute the charge that is when my card was stopped this card is a XXXX tried calling them no help.it is also connected to bjs wholesale club.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 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:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, XXXX XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
XXXX XXXXXXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
XXXX XXXXXXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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. 

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 conviction 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 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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX is furnishing information from XXXX XXXX, XXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a XXXX XXXX XXXX of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting 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 2022-10-25 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: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax XXXX Inc. is furnishing information from XXXX XXXX XXXXXXXX. In addition, XXXX XXXX is involved in Racketeering Activity along with XXXX XXXX, XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, Consumer. In addition to receiving proceeds derived from such Racketeering Activity. Convictions of Racketeering Activities carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has failed to properly investigate and resolve my claim for wire fraud. I was victim on fraud in the amount of {$18000.00} on XX/XX/2022 and reported it within minutes of it happening. They failed to recall the money until two days later, properly identify me, contact me for approval, provide any details on the investigation, return numerous calls and requests to speak with the investigator, provide rights to documentation after waiting the full 30 days to process, provide an IP Address from which the transfer was made and ultimately failed to provide proper security of my accounts. They did send a letter declining the claim but it was address to the wrong person and had several other errors on it. I do not believe this was handled correctly and wish to hold them responsible. I have spent the last five months trying to gain a proper resolution with them with absolutely no luck.

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 2022-10-25 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: GA

Complaint narrative:
I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXXXXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. 

I have attached drivers license, Social Security, card, and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Made electronic payment from my XXXX XXXX XXXX to Citi Cards account. Citi has received payment, payment cleared my XXXX XXXX, but XXXX won't post payment for 2-3 days. This payment was originated on XX/XX/2022, cleared my XXXX XXXX on XX/XX/2022 and has yet to post to my Citi account. Previous payment ( electronic ) originated on XX/XX/2022 from same XXXXXXXX XXXX/same account credited to my Citi Card account XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I was informed last week wednesday to pay XXXX I went ahead and paid the XXXX on XX/XX/20 before any reporting however I was informed today that I was supposed to pay XXXX and no one has advised me of this and this has been nothing but a headache and confusion I had XXXX  this company lied and charged me fees and now I have credit reports 30 days late and my account has been sent to some agency and im not aware of this I am asking for an fix asap my credit is affected and this to be fixed and to speak with the agent who did not advise me to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity. account is already closed and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have filed complaints with this agency in regards to the predatory practices of Navient in regards to my student loan and continue to get no response as to why Navient had placed this account on hold since XXXX due to, as it claimed, a bankruptcy lawsuit filed by other borrowers. I have never filed for bankruptcy and Navient should not be able to charge me fees for a lawsuit that had nothing to do with me. Prior to XXXX, Navient had placed this account in deferment in XXXX, where it gathered thousands of additional dollars of exorbitant forbearance interest fees. In total, Navient has held this account in deferment and hold for 14 years, where no payment could be made. The original loan was {$7000.00} ; it is now more than {$18000.00} after 14 years of one hold or another. Navient used the credit bureaus as a weapon in XX/XX/XXXX and reported the account in late status without informing me when the bankruptcy hold would be released. I believe Navient did this punitively after my complaints with this agency because it responded to one of my complaints by simply stating the hold would be lifted " soon, '' which does not indicate an actual date, but still they reported the account late. I spoke with an agent with Navient in XX/XX/XXXX, and she informed me that the fees assessed to this account for the bankruptcy hold should not have been based on that lawsuit as this account should not have been a part of that procedure since it that did not pertain to this account. Navient apparently is ignoring this matter and deceptively distracting with a story about not having an up to date address for me, even while I have had my mail forwarded with the post office. They have not provided life of loan documentation with legitimate attempts to contact me, but they have provided proof that they have not been an honest broker of this service by using the credit bureaus as financial weapons, omitting the date the hold would be lifted from the bankruptcy hold in their CFPB response to my complaint for inaccurately placing this account on a bankruptcy hold for 9 years plus 5 years in deferment hold before that, and now trying to steal 14 years of forbearance interest fees from me without remorse or accountability.

Company response to consumer: Closed with explanation