vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I attended XXXX XXXX from fall XXXX through XXXX. When I was accepted into the school they told me to reach out to Sallie Mae, now Navient, to apply for financial aid. I was approved for a {$100000.00} student loan in less than 10 minutes at the XXXX XXXX XXXX, with absolutely no credit history. I later found out that this was a private loan and did not qualify for any debt relief programs, bankruptcy, forgiveness, etc. Since being approved for my loan, it has doubled due to interest rates and fees. These Navient loans should be illegitimate and forgiven due to XXXX XXXX misleading me. I was sold false information about the school and programs. In XX/XX/XXXX, the California Bureau for Private Postsecondary and Vocational Education ( BPPVE ) accused the XXXX XXXX XXXX XXXX and its then parent corporation XXXX XXXX XXXX of persuading prospective students to enroll by " willfully misleading '' them, and " falsifying and omitting critical information. '' Dealing with Navient has also been a struggle. Their customer service representatives are often cold, rude, and disrespectful. Ive been told by them that I just need to make more money to pay off my loans and that I should have known better than to take out the loan in the first place. They purposely take out my automatic payments for the month past the due date, and then tact on late fees. Ive discussed this with them numerous times and each time they put the blame on me, even though its an automatic payment that they take directly out of my bank account. 
I have paid them around {$12000.00} a year since XXXX and they treat me like Ive never made a payment. Ive never defaulted on my loans and I do everything in my power to make sure they get paid every month. Often having to choose between paying my loans or buying groceries, which usually means I forgo groceries for the month. These loans have completely debilitated my life financially. I live with the burden every single day, knowing that I will probably never pay these loans off. I live each day knowing that I cant fully provide for my family how I want to because these loans will always take precedence over anything else. 
I was scammed by a school, took out a loan, as a naive XXXX XXXX XXXX kid with no financial literacy, had that loan doubled due to interest, and have spent my entire adult life working feverishly to pay it back. These loans should considered illegitimate and be forgiven due to the predatory nature of a for profit school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as XXXX. Please remove all from my credit report. 
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.

Items listed above, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX ( XXXX XXXX  ), Balance : {$1600.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX XXXX  ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
CREDIT REPORT FILE GENERATED ON XX/XX/year> REPORT # XXXXTHE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT 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
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
As of XX/XX/year>, Synchrony bank disabled my loggin user name and password. Consequently I have been unable to access both my saving and money market accounts online or app. I have no access to transfer of funds, my deposits and statements. 

Both my saving and money market accounts were restricted from transfer of funds since XX/XX/year> but I was able to monitor the status. I was notified for saving account activity review on XX/XX/XXXX. It was strange because there wasnt any unauthorized activities on any of my accounts. 

I called the support center several times. Some of them documented my inquiries and submitted to the back office/fraud department/security department XXXX My request to speak to fraud/security department was denied because there was no such an option. Neither back office nor a manager would be an option to reach out to. 

Now I have been completely locked out of my own account and money. My access to online banking has been wiped out. I have no way to access or monitor my accounts or documents.

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I sent my sister in law $ XXXX {$240.00}, XXXX XXXX is alleging, they have no way to track or trace the amount. USAA has said for me to go back to XXXX XXXX to resolve the matter. I have, and they advised me to dispute it with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
USBank is providing misleading information on their Certificate of Deposit ( CD ) Renewal Letters. In an XX/XX/2024 letter, I was informed that I may choose from three options for a CD renewal within the 15-day grace period. 

Option 1 stated for Automatic renewal : If I choose this option, then no action is required, and I will receive the interest rate and APY that are in effect on the maturity date as of XX/XX/2024. This APY may be different than the current rate. 

However, upon going online to renew the CD, I found that an automatic renewal had taken place on XX/XX/2024, for an 11-month maturity, with an APY of 0.05 %. The only way to get a 4.90 %, 4.85 %, or 4.75 % APY, which I presume would be the current APYs at the time of maturity would be if I actually took action to request one of these higher rates! 

If I had taken no action, the bank would have changed the APY to 0.05 %, which is NOT one of the much higher current APYs being offered on line. 

USBanks renewal letter is misleading when it states that by taking no action and accepting an automatic renewal, I can obtain a current rate/APY. The bank assigned a 0.05 % APY, which is well below the 4.75 % I obtained by going online and taking action. 

Please look into this matter to ensure that USBank updates the wording of their renewal letters, so that bank customers are no longer misled into believing that no action required will result in a true current interest rate/APY at the maturity of their CD. How many customers have already been negatively affected by their inactions, causing them to lose substantial interest income?

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection of 2019 not owed show in collections of {$2100.00} XXXX credit bureau did accept my dispute but not Others. 

Transunion has XXXX different collections for XXXX XXXX XXXX and keep changing reported dates.

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 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I would like this complaint sent to the Office Of the Presidents at Macys.

I reported a verifiable issue to which I recorded a few of my issues with Citi and Macy 's. My issue was with Citi.. but, since XXXX XXXX XXXX XXXX executive team chose to lie in a response. I've chosen to follow-up with a truthful response since hers lacked integrity like the rest of the company.

On two occasions I didn't pay my Bill.. once when XXXX, and the other when my contract ended with Macy 's and I had to get XXXX XXXX XXXX XXXX XXXX So I thought it best I pay for what would help me live first.. 

In XXXX NOT XXXX I received the offer for settlement. I called asked to speak to a XXXX at. CITI and got told one would call me back. No one called me back from Citi recovery.. In XXXX I called back and got told my account was back with Macy 's I said Macys said it was with recovery... They said No Macys took the account back to review.. I said ok so how to I settle this account can I get a manager and as usually they hung up. I then get the harassing calls again.. I answer say hello hello no one answers I hang up call back I get a prompt that my social doesn't work in... or zip ( have a recording )... I dial XXXX and I get a rude rep... I ask for a manager .. get hung up on by Citi.. I call back ask for a manager.. this process of calling ( cold call proceeds and in XXXX I get the same harassing calls.. I call back and decide Im tire of being harassed and asked for my FULLLLL social which I recorded a manager saying they aren't supposed to ask for that first.. I get a rude rep I tell him how much can I pay he makes it clear id have to pay the full amount. I said can I pay a payment plan minimum XXXX he said NO the system will tell me the minimum you can pay .. he seemed uninterested in doing this.. he Tells me your first payment will be XXXX and then XXXX after each month.. he said you will have to listen to a script in order for you to pay.. I said ok and I agree. I check my account XXXX removed .... weeks later I get harassing cold calls ( I recorded ).. I get hung up on, told my account isn't with them, or yelled at saying let them assist and I can't speak to a manager and have to pay that I have no payment plan.. I said that's impossible. they get me a manager... She says clear as day ... the representative did not complete the process... Now I found that impossible because I read the agreed to a script over phone for this...

She THE MANAGER says she will investigate and she will see what she can do about my original settlement and interest .. BECAUSe OF THE SERVICES ISSUES... I make a XXXX  complaint and a CFPB complaint on CITI ... and XXXX XXXX responds .. with false occurrences..

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-10 00:00:00
Product: Credit reporting 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also XXXX, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-10 00:00:00
Product: Credit reporting 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:
I gave statements/proof of timely payments to experian to show prompt payment to XXXX XXXX XXXX. XXXX XXXX XXXX sold the loan and is refuses to answer phones or address the late payment in XXXX XXXX XX/XX/year>. Experian refuses to address the late payment information with proof of timely payment.

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 2024-05-10 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX at around XXXX I was trying to purchase parts for my truck I sent money via XXXX  XXXX  first for the amount of {$120.00} as an initial deposit. Then about an hour later I sent the remaining {$1600.00} via XXXX XXXX. I was told by the seller he had the money and to message them in the morning. As of messaging at around XXXX that morning I messaged them and everything came back as not sending and I got no response after that. I first tried reporting everything as a scam to both XXXX and XXXX XXXX to try to get my money back that way but neither one could do anything about it. I called the state employee ls credit union and at first told them it was fraud to try and get the money back and they said theyd look into it and itll take 7-10 businesses days. I waited the full 10 days and was told that they didnt find anything so I told them I got scammed and said the exact same thing here. Today I got a letter in the mail saying I shouldve known better when I didnt know that it was a scam.

Company response to consumer: Closed with explanation