vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called my loan company to dispute inaccurate credit reporting, and the company name is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX Equifax is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from XXXX XXXX XXXX regarding my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC
State: OH

Complaint narrative:
I called my loan company to dispute inaccurate credit reporting, and the company name is Innovative Loan Servicing ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX XXXX is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from Innovative Loan Servicing regarding my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hello, I need help and am unable to obtain concrete and actional information from Studentaid.gov or my loan servicer, Navient. 

This is the information I need to know it is regarding the announcement here : https : //studentaid.gov/announcements-events/idr-account-adjustment Navient services the following types of loans for me : - FFELP Stafford Unsubsidized - FFELP Stafford Subsidized - FFELP Graduate Plus - Direct Graduate Plus - Direct Subsidized I am trying to understand : - Which of the above loan types are eligible for the direct consolidation referenced in the IDR Account Adjustment news release, such that if they are consolidated, I will not lose credit for the prior payments made on these loans, when it comes to the 20-year loan forgiveness schedule? 
Because the announcement references FFEL loans generally, I can not determine whether and which loans serviced by Navient qualify for consolidation into Direct loans, such that for purposes of loan forgiveness, I do not lose the number of historical qualifying payments. 

When I called Studentaid.gov, I was told to call Navient. I did. Navient told me to submit the question vie email. I did. Their response states, unhelpfully and confusingly, Your Navient held FFEL loans do not qualify ; however, you may consolidate through the Direct Consolidation Loan program to become eligible. 

I sent a request for clarification to Navient, but have not yet received a response. 

Given that failure to consolidate FFEL loans may result in my inability to take advantage of the benefits in the press release referenced above, and given that consolidation of the incorrect type of loans may result in my losing the number of prior qualifying payments ( 10 plus years of repayment in my situation ) for purposes of loan forgiveness, it is very important that I receive accurate information. It is a damned if you, damned if you do not situation created by not being able to obtain accurate and specific information.

I want to consolidate my Navient serviced loans into direct loans, but only if the consolidation will not reset the number of qualifying payments for purposes of loan forgiveness to zero.

I can not obtain clarifying information from either Studentaid.gov or Navient. Without clarifying information, I am not able to make an informed decision regarding whether to consolidate my loans, because I do not know if my loan types are eligible for the benefits referenced in the press release. 

Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 someone stole one of my checks from a blue drop box at the XXXX Ohio post office.They altered the check removed everything I had on it, and made it out to an unknown party for almost {$8000.00} which was taken out of my account when the check cleared. I notified 5th 3rd bank the next day, and my banker sent a fraud packet in which included the police report #. my funds have not been restored, nor have I received any conformation that this was reported to them. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I do not have association, credit line, or loans with this creditor. This was not approved and or authorized. 

XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Inquired on : XX/XX/XXXX Comment : Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2022-06-21 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
EXPERIAN broke the LAW by reinserting an account that was previously deleted due to fraud by lying and stating that I disputed an item and it was updated when I didn't dispute anything. I previously provided a FTC/ police/ identify theft report and the item was deleted. They broke the law by reinserting the item and not sending notice within the five-day timeframe. The company is failing to dispute the item because the company said it isn't fraud after I sent proof and the company then changed the account number and tried to reinsert the item 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 non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX via XXXXXXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX  : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX via XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/XXXX, has 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 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via Equifax XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/XXXX, has 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 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I gave out my social security number to Lexington law firm for credit building and being able to purchase a home or a vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$280.00}

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 2022-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I AM MAKING A COMPLAINT WITH MIDLAND CREDIT MANAGEMENT REGARDING AN ACCOUNT THAT THEY PURCHASED FROM XXXX XXXX. I HAVE TRYING CONTACT THE COMPANY ABOUT THIS DEBT BUT GETTING NO RESPONSE. THIS REMAIN ON MY CREDIT REPORT AND IT AFFECT ME. I WANT TO STATE FIRST I NEVER GIVEN MIDLAND CREDIT MANAGEMENT ANY PERMISSION TO USE ANY OF IDENTIFYING INFORMATION TO CONTACT ME ABOUT THIS DEBT. AS OF TODAY, I STILL DONT HAVE NO VERFIED OF THIS DEBT. SO, I WOULD LIKE THEM TO REMOVE THIS ACCOUNT OF MY CREDIT REPORT BECAUSE IT REALLY STOP ME AND STRESS ME OUT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
Re : XXXX XXXX, Popular Banco XXXX Credit Card ending... XXXX This bank is also doing business under these names : Banco Popular de Puerto Rico. XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX. XXXX XXXX, PR XXXX XXXX. Popular Bank. Customer Care Center ; XXXX XXXX XXXX Telephone : XXXX ; Mail : POPULAR CREDIT SERVICES Card Products Division XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. E-MAIL XXXX ... XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. BANCO POPULAR DE PUERTO RICO. XXXX XXXX XXXX. 

Popular credit services- Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX. Dispute Department. po box XXXX. XXXX, TX XXXX XXXX. XXXX XXXX XXXX. XXXX, GA XXXX XXXX. XXXX Consumer Solutions. XXXX XXXX XXXX XXXX, PA XXXX Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609 and Section 623 ( e ). I am requesting the following items on my credit report be updated to reflect the fact that this Bank has defrauded the above-named agencies by providing false and defamatory information regarding missed payments and late payments associated with this account. I have been in contact with this bank numerous times and have even frozen this account and they too closed it yet still they applied unauthorized charges, to which they have added interest and late fees but worse of all they have gutted my CREDIT over the total amount of {$130.00} the majority of which is fees and I made them reverse the charge on the unauthorized purchase that went through when it should have been rejected. They are a predatory lender. They need to be stopped. But right now I need these criminals to stop destroying my credit. 

XXXX  complaint # XXXX Popular Banco, XXXX, XXXX XXXX Credit Card ending in ... XXXX Please remove all derogatory ratings and records reported by the above credit card company from my credit reports and please block them from reporting any further negative credit reports from this credit card as this card should have been permanently closed for over 2 months now. 

HERE IS AN EXAMPLE OF JUST ONE OF MY OTHER CREDIT CARDS THAT HAVE BEEN AFFECTED BY THIS ONE CRIMINAL ORGANIZATION : Dear credit customer, Were committed to keeping you informed about changes to your account, so were notifying you of a recent credit line decrease made on your account ending in XXXX. 
Weve decreased your credit line to $ {$8000.00}. Youll find specific reasons for this change below : The credit reporting agency has reported a recent credit delinquency. 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and another name they have used was XXXX popular.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I already have complaint : XXXX. Capital One informed me in the complaint that they would resolve the billing dispute in my favor if I could provide proof of delivery. I provided that on XX/XX/XXXX and have not heard back or seen the dispute resolve in my favor yet. The tracking number I provided was XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper has purchased my loan that was previously with XXXX. The payment made on XX/XX/2022 for {$3100.00} has not been posted to my account three weeks later. I've spoken with XXXXXXXX XXXX they assure me the payment was made and the funds left my checking account and that is all they can do on their end. Meanwhile repeated calls to Mr. Cooper have resulted in a different story every time and no resolution. XXXX has forwarded their phone to Mr Cooper as it is my understanding Mr. Cooper took over the entire residential loan portfolio from XXXX. At this time I'm left under the impression that Mr. Cooper has stolen {$3100.00} from me. 

I did subsequently send an additional {$2800.00} to keep the loan showing current as I do not trust this company to not harm my credit report. But the {$3100.00} in their pocket and not posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
So when I got my statement in the mail I seen a bunch of charges from XXXX XXXX I dont use XXXX XXXX  nor do I have one I tryed to dispute the charger the denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Veterans United Home Loans, XXXX XXXX XXXX, XXXX, NJ XXXX has continued to indicate I was late six ( 6 ) times on my mortgage payment because of their mishandling of my account. No attempt was made by them to notify me of an issue because of their incompetent handling of my account. I complained directly to them and they refuse to even acknowledge the issue I raised responding only that their reports to credit bureaus was accurate. It is not.

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 2022-06-21 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: MI

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 XXXX has me at a score around XXXX. 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 XXXXThis 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX  did a hard inquiry on my credit for a credit card and I did NOT apply for it or any other cards.

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 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I have no knowledge of ownership of this account. Please provide original proof debt and ownership, ex : Bills, Contracts, my state issues ID, Signature, any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act ( FCRA ) and The Equal Credit Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act please make sure CREDIT LAWS for state of North Carolina and federal laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau and FBI and FEDERAL TRADE COMMISSION and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in federal court for violation 's ~815 ~808 ~809 of federal credit law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation