vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: OPORTUN FINANCIAL CORPORATION
State: VA

Complaint narrative:
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX/OPORTUN
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXXXXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY XXXX  REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX
XXXX XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Personal Loan Companies
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXXXX/XX/XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX
All Banks - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX  Inquiry dateXX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX  All Banks - non specific
Inquiry dateXX/XX/XXXXRemoval date: XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Dear XXXX XXXXXXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I hope this note finds you well! 

I was writing in regards to the recent news of Student loan company Navient canceling the debt for approx.. 66,000 people in a {$1.00} billion settlement. Im an individual who has felt the burden of massive student loan debt, and agree that Sallie Mae/ Navient are rightfully being accused of predatory lending, and giving individuals such as myself massive private loans, despite knowing that we had little chance of paying it back and then charging interest that drove us into debt.

While this settlement is great news, the provision that states only borrowers who were behind on payments for seven consecutive months prior to XX/XX/2021 qualify to have their loans canceled, but those who are current on their loans are not, doesn't ' seem to be very unfair. Im not sure if youve dealt with the harassing phone calls, and threats of garnishing your wages, but being forced to make payments or join their payment programs in order to not have your entire life and credit score ruined, is an extremely anxiety ridden thing to deal with.

PLEASE DO SOMETHING ABOUT THIS PROVISION as this is excluding a significant amount of people with an intense amount of debt, when they were only trying to better their continuing their education journey.

A predatory loan is a predatory loan and should be based on the qualifications of the loans themselves, how the loans were granted, and NOT necessarily how they were paid. Thank you for your time and consideration as this would be a live changing event for me and my family! 

Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my check was garnished from an unknown source. I went to HR to inquire about the deduction. I was advised it was court ordered. HR provided me with a copy of the court order. I called the number on the court order to inquire about the garnishment. I was advised it was for a XXXX credit card and the amount owed was {$3800.00}. I was also advised that the account was opened on XX/XX/XXXX. I never owed a credit card. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
1, I have not been used Union Bank credit cards for a few years, and both were stored in my personal and safe place at home. 

2, I got an email from Union Bank for payment, I had to log in to Union bank credit card account, I found that a purchase with {$34.00} was made on XX/XX/XXXX, but I never know about that. 

3, I tried to call Union bank credit card Fraud management Services, and leave many messages for them, but no one responded to me, even though they promise to call back within 24 business hours in the voice messages. 

4, To void the late payment charge and keep my good credit score, I have to make the payment by the due date. 

5, I got a letter from XXXX, Fraud Management Services, the date on the letter is XX/XX/XXXX, it mentions that they already post a credit of {$34.00} to my account and my claim was resolved. 

6, I was very surprised by that, it was my payment, not your credit. I tried to call Fraud Management Service and left messages many times about that, NO ONE RESPOND TO ME. 

7, I had to write a letter to explain that it was my payment and provide the XXXX XXXX  money transfer record to prove it was my payment. I sent out the letter with a bank transfer proof to Union Bank Fraud Management Service on XX/XX/XXXX XXXX, I got a letter from Fraud Management Service which dated XX/XX/XXXX on the letter, it mentions that Thank you for contacting us about the Union Bank credit card account referenced above, we are reaching out to let you know that a review of this account is underway, and if additional information is needed, we will contact you. 

9, I got another letter from XXXX, Fraud Management Service, which dated XX/XX/XXXX it still considers that was union bank credit and posted to my account, so they consider my claim resolved.

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 monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am supposed to receive an email from the credit card company on the XXXX of the month indicating a payment is due and the amount. For the past two months I have NOT received an email from the company. 

I have twice called them about this, and each time they have assured me that the email statement IS going out from their company. However, I do not receive it, and theirs is the ONLY email that I am aware of that I am not receiving. 

I agreed to receiving electronic communications rather than paper. They are not meeting their part of the agreement. They will charge me interest if the due amount isn't paid ; but... they aren't providing me with due payment emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Purchase mobile home XXXX refinanced ground in with new loan through Greentree servicing LLC. It changed hands in XXXX to consaco finance servicing both Greentree and Consaco was contacted by XXXX asking to have my name removed from loan as co-bower. In XXXX is when we divorced. However it has never been taken out of my name from XXXX. I know Ditech is who owns mortgage in XXXX when XXXX passed away. Call asking about ins that was on loan from day one if something happened to either of us the loan would be paid off? I was told it was refinanced to keep out of foreclosure in XXXX and I've also gotten document that's be notorized by someone in XXXX XXXX expires XXXX submitted by XXXX XXXX XXXX from XXXX and XXXX XXXX XXXX firm in XXXX KY saying the pay off date of XX/XX/XXXX had been omitted from the mortgage executed XX/XX/XXXX? Says mailed to both XXXX and co-bower at XXXX XXXX XXXX XXXX Ky on XX/XX/XXXX. It was also signed off on at courthouse in XXXX and filed. I never received anything I didn't live there since XXXX and though I'd been removed from loan. I've asked how did loan get refinanced without my signature in XXXX Ditech refussd to give me info and told me regardless I would pay the debt. Also asked why was payoff date omitted from loan in XXXX was told by Ditech and Shellpoint that now holds mortgage they have no reganition of that but I was going to pay loan. I've also called XXXX XXXX XXXX twice with no return call back. No matter how I try and get info no one tells me anything and no one will send documents they do have so I can put it together. I've hand written request also emailed request. I've sent request to land title company also no response either. Not only did they threaten back in XXXX about foreclosure and again in XXXX but without my knowledge it looks like they got the mortgage forbearance or refinanced loan in some way. I've also called XXXX office here in XXXX Ky and was told by them that the said property is in XXXX 's name only no second person. How does that happened if ground was tied in with mobile home in XXXX at time of purchase? If it was done correct it would show it in both names like loan does? I've not been aware of any of this for yrs it wasn't till the death of XXXX that I became aware of debt and all the issues from these companies that are all tied together leading back to Greentree servicing LLC. I've also asked and sent required things to have my name changed on loan since they says it's mine nothing been done also death certificate was sent to Ditech to remove XXXX leaving in co-bower nothing 's been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CCS Financial Services, Inc.
State: OK

Complaint narrative:
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe XXXX XXXX XXXX and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a problem with the propel XXXX card from Wells Fargo. That credit card had a special program covering my purchases, airline tickets, etc. That program was covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX. It was just an insurance policy, but the feature sponsored by Wells Fargo Bank. According to the credit card 's terms and conditions all disputes were supposed to be resolved via arbitration with XXXX XXXX XXXX ( XXXX ). When I filed my dispute with the XXXX respondent refused to follow its own policy, terms, and conditions. The XXXX closed the case with demand to remove its name from Wells Fargo Bank terms and conditions. Wells Fargo Bank ignored that request and still publishes XXXX as the only place all disputes must be arbitrated.

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Helbing Law Group
State: CA

Complaint narrative:
I agreed to a 2 & 12 program payments of {$330.00}, which was supposed to end on XXXX however the my client portal on there website which is Helbing Law Group they added XXXX extra monthly payments of {$330.00}. I checked again and they added another monthly payment. They have lied to me over the phone numerous time about the balance, also last XXXX 2021 i paid {$1000.00} so the can settle with home depot which i never agreed to. after they collect on XXXX of {$330.00}, i want to cancel and stop these payments by changes bank accounts so they can stop collecting is this the right thing to do, if not they will keep scam my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Today is XX/XX/XXXX. On the XXXX of every month for the last 15 years I have had a student loan payment due with Navient. I have reached out to them several times as to why when my payment is due on the XXXX I log on and they are showing my account PAST DUE. I then attempt to specify a certain amount which is above and beyond their PAST DUE AMOUNT and they automatically change the amount so that I am not able to pay the extra I am intending for the loan. I have two loans with them and one is almost paid. I am attempting to pay extra to pay it off and they reduce the amount I intend for that loan to purposely stretch it out further. Every time I contact them I get no response. I am assuming the showing of a loan PAST DUE will calculate additional interest and late charges so that they can gouge the loan holder additional funds. I have attached the loan screen as of today. 
Make payment on XX/XX/2022 Calendar for payment date selection Effective same day if made by XXXX p.m. ET Pay from Acct * XXXX - XXXX XXXX XXXX Add a new bank Input Payment Amount with : Input Payment Amount with : Specify Amount Amount Due Past Due Loans to pay Loan Current Balance Interest Rate Due Date Amount Due Payment Amount XXXX Consolidation {$3000.00} 7.250 % XX/XX/2022 {$240.00} XXXX $ Past Due ( included in Amount Due ) {$120.00} XXXX XXXX XXXX$390.00} 7.250 % XX/XX/2022 {$45.00} XXXX $ Past Due ( included in Amount Due ) {$22.00} TOTAL {$290.00} XXXX These folks are gouging every loan holder anyway possible to charge additional fee 's or stretch the loan out as far as possible to collect additional interest. There is no detailed statement available so they calculate fee 's as they see fit without answering to the borrower. I have simply had enough of their games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
XXXX, 2021. Honda Sales Consultant at XXXX, OH : XXXX XXXX input wrong SSN # of client in 'Honda 's " bank system. 
My credit score was dramatically down of his error.

But contract was signed with correct SSN # at the same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: NE

Complaint narrative:
Hello, I am XXXX XXXX and I have repeatedly tried to get my free annual credit report from Experian. Here is an example of one of those times. Even though I have already verified myself within the XXXX system where Experian state you can receive your free credit report, I have not been able to obtain my free credit report from Experian.

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