vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
I took out a student loan for {$27000.00} from SallieMae bank in XXXX After COVID in XXXX I had dropped out and never graduated. Around XXXX I started making payments on this loan for {$360.00} a month. I had noticed that interest was being charged 3-4 times each month for different large amounts. All together most of the time theyd add up to more than what I was paying. My payment went up to $ XXXX  monthly without warning. Recently my Father and I lost our home after my grandma passed away from XXXX. I used to worked full time and just lost my job. We are trying to just survive and pay for food gas necessities. I attempted to contact Salliemae via their chat system on their app. I was connected to an agent who stated all they could do was stop payments for only 3 months and interest would continue to add up. I refused hoping there would be a better option. She stated there was nothing and the conversation was disconnected. I was unable to make the payment that month and was harassed with multiple calls texts and emails not only to myself but my co-signer ( mother ). I tried to contact them again through chat and they said because i failed to make my payment I am ineligible for any aid and i need to make my payment now. I called the help number and the women i spoke to was very understanding and asked for a financial statement. She stated they would need a financial statement from my co-signer as well. ( I was on my break at work when I had called/ my mother is currently unemployed and always looking for work ) She was unable to pick up the phone and the agent asked me to have my mother call back as soon as possible to submit her financial statement. My mother called the same number MULTIPLE times on Multiple dates at multiple times coinciding with their posted business hours. Yet every time shed call shed received an automated answering system asking to please call back during business hours. They continued to send me emails with the business hours on them to call and we would and NOTHING. I tried myself on a Saturday as it was the only day i was free and I received the automated system as well. Recently before I lost my job they started calling me at strange times when I was at work like XXXX XXXX times you wouldnt be on lunch. I havent received any calls since ive lost my job. I attempted to email their customer service email with my loan information and my issue 2 weeks ago and have yet to receive any response in regards to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I called what I thought was the student loan consolidation repayment program. The number given to me was XXXX. They said that I qualify to have my loan consolidated into one and have one interest rate, but that I would have to pay an enrollment fee off XXXX. I made XXXX separate payments of XXXX on XX/XX/2023, and XX/XX/2023. They said they would take out XXXX dollars every month for 240 months for the program. On Friday XX/XX/XXXX I received an email from aidvantage, giving me my monthly statement and I was confused because I thought I had signed up for the program. I called and got enrolled into save but now I know that I got scammed the first time. The website I was given in the letter is https : //melds.ed.gov. I have the fraudulent letter as well as the real letter of the student loan consolidation and payment reduction program and its exactly the same. I can provide pictures and documents that they sent me about the fraudulent payment program I signed up for. They have all of my personal information and Im currently closing my checking account and getting a new one, Im filing a claim and am keeping watch if anything opens up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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:
I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I got scammed on XX/XX/, the charged appeared on my card on XX/XX/2023. The scammers used XXXX website to book fake reservations and asked for credit card to be paid directly. The reservation request is done directly through booking.com but they give instructions to contact them directly, you even receive a confirmation number from an email from booking, I learned later that booking.com provides a reservation number and a pin number, the email you get does not have a pin number. 
I called the credit card company immediately to dispute the charge and change the card number, rendering the previous number obsolete. The credit card company eventually took the charge off, however later put the charge back on claiming they didn't have enough proof and that the merchant didn't violate the terms. I faxed the screenshots and email indicating the merchant had written they would refund, but they say there is nothing else they can do and they have re-charged me the amount.

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 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This company called everyone I know and left them voicemails about my case. They called XXXX of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc
State: IL

Complaint narrative:
I received a notification from XXXX XXXX XXXX stating that I owed a debt for a service I allegedly used from a company name UPLIFT. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from UPLIFT notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both XXXX XXXX XXXX and UPLIFT and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

https : //www.uplift.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to permanently remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The item in dispute is the Bankruptcy that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # 1 ). This is my fourth notice to LexisNexis Accurint regarding the Bankruptcy that they are inaccurately reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER filed for Bankruptcy and I have NEVER lived at the address associated with this filing. Additionally, LexisNexis has already reinvestigated this inaccuracy and determined it to be UNVERIFIED ( See Page 3 of attached Supporting Document # 2 ). This shall serve as my formal written notice that I do NOT authorize to LexisNexis to obtain a consumer credit report or consumer report of any kind from any credit and/or consumer reporting agency. Any access to any information utilizing my personal information or identifiers will be considered Identity Theft and will be prosecuted as appropriate. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This letter is in response to your letter dated XX/XX/XXXX XXXX  signed by XXXX XXXX by the America Express XXXX XXXX XXXX XXXX XXXX. The letter is in response to the following CFPB complaints : CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the letter, although I have the correct address in the letters I mailed out disputing multiple charges, you are not going to place those charges into dispute because American Express can not find a record of those letters. Your response states that I need to call XXXX to dispute the charges. Per the cardmember agreement, I chose to mail out my request to dispute the charges. Per US Postal Service records, each letter was delivered to the correct address. As such, I demand that I receive credits for each transaction I am disputing along with a refund of the interest charges that I was charged to this day. If you refuse my demand, I request that this issue be settled through mandatory arbitration. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Acra Intermediate Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/2023 at approximately XXXXXXXX XXXX. A notary public from XXXX XXXX XXXX, came to my construction site at XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX to close out XXXX of my properties listed as XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. The XXXX statement shows we closed at the XXXX location XXXX ( See Ex. # XXXX ). The XXXX XXXX had XXXX XXXX come out with only one set of Documents for my signature. I requested and asked forthe copy and was informed that a complete copy would be given to me after she ( XXXX XXXX returned to the office and made copies and a carrier would return the same day and bring me the copy of the signed documents. The Title company never returned and I did not have a complete copy of my signed documents. Eight days later I reached out to my contact, XXXX XXXX and explained to him I don't have a copy of my documents, and he said the Title company would mail them, I informed my cntact that I would file a formal complaint with the Texas and Federal authorities. I received what appears to be a complete copy of my documents on XX/XX/2023. ( See Ex. # XXXX ). Also attached is ( XXXX # XXXX ) Text messages from my contact XXXX XXXX. The package I received contains missing pages and does not contain all of the pages that I remember signing on XX/XX/2023, My loan was sold to XXXX. ( See Ex. # ) XXXX is attempting to force me to keep a Escrow account, that I insisted on not having when I closed with XXXX XXXX XXXX XXXX Page 1 of my Note, states {$880.00} ( See Ex. # XXXX ) I have paid my Taxes & Insurance for 20 years. I did not receive all of my closing documents. I do not want a Escrow Account. Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX : Late Payments XXXX, XXXX, XXXX year XXXX and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Late Payment XXXX, XXXX, and XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late payment XXXX XXXX XXXXXXXX XXXX Late Payment 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 2023-09-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
All I can really say is that I am on check systems for fraud that I dont know anything about Ive been on check systems for 12 years and unable to open a bank account. Is it been a great deal of a problem for me cause me many problems I need help I need to be able to open a bank account so I can have a business and move my life on someone please help me, I am a good man a hard-working person and I should be able to have a bank account without some Fraud that I had nothing to do is causing me problems for 12 years

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 2023-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Mr cooper wants to embezzle my mother 's cash from secured funds from pension and social security plus my disabiilty compensation funds and liquidate our assets for the debts of a third party that is over 10 years ago without responding to the qualified written request because the property is not the bank 's clients and the cash is not the bank 's customers/clients. 
Instead of collecting from their clients in Florida, they appear to be embezzling funds from a protected minority in XXXX Without such information they really can not collect from assets of a third party who is a innocent purchaser of value 2 title companies tried to get the details of the debt for validation/verification and calculation of alleged payorr, and the bank did not comply They sent a letter saying that on XX/XX/2022 the " debt mortgage and FHA '' loan ithird party authorization was rescinded, resscindded by who? the bank? the priorr 2 owners? a third party? Who recinded that, if that is rescinded then you can not colelct from someone who does not know about the debt you are trying to collect. 
that is against federal law, we received some HUD information from your attorneys and we ontacteed HUD, HUD referred us to a regulator to file a complaint for fraud against the banks/title/customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I received a call from a XXXX XXXX XXXX. He stated this call is to collect a debt I was unaware of the bill and tok the call. I advised him I have never received anything. I asked for the details dates of services and services billed he could not provide. I asked him for written correspondance only and he continued to tell me i should have set up autopay otherwise it will be referred to collections. 

he stated XXXX XXXX you must agree to the payments they offer and set up autopay. i requested written correspondance va mal and 5 minutes letter they texted me via the same cell phone they called. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX THIS IS UNREASONABLE AND WHEN RECEIVING THEIR TEXT THEY HAD THE WRONG SPELLING OF MY ADDRESS NO UNIT NUMBER SO THERE IS NO WAY I WAS EVER COMMUNICATED WITH. I AM TIRED OF BENIG BULLIED BY COLLECTIONS AND HOSPITALS WHO USE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief