vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting false information to my XXXX, that is not on my credit report. The information theyre reporting has damaged my credit score and theyre refusing to fix it. They are reporting bogus made up information. My XXXX dated XX/XX/2022 includes 4 derogatory 30+ marks of delinquency in the last 12 months and noted that the most recent delinquency was 5 months ago. Since none of this information is listed on my current credit report at all, there is no option for me to dispute this. When I called to escalate this issue, I got put on hold for over an hour and no one ever comes back to the phone. I was told that they no longer report to FICO and there was nothing they could do. 

Also, theyre refusing to delete a credit card thats been reporting for more than 7 years. The records they are completely wrong and theyre refusing to a knowledge this. When I reached out to myFICO, they advised that this is the most recent information that Equifax reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Earlier this afternoon and after deciding to purchase a new XXXX XXXX truck after having an opportunity to experience the new unit my son purchased just last week, I proceeded to apply online with Chrysler Capital directly in order to take advantage of the manufacturer 's 0 % interest for 72 month with 90 day free payment offer which expires at the end of the day today. Unfortunately shortly after applying, I received a denial email yet after contacting Chrysler Capital to inquire why my application was denied as to understand the reason for it since my credit history and score are both excellent ; I was told that Chrysler Capital although they take online consumer applications they will not discuss these directly with the applicant and have referred me to a local dealer which as part of this manufacturer 's application process they force you to select even though you might not be purchasing the vehicle from them. That said and as a consumer, not only do I have the right to know directly from who is processing my application why it is being denied instead of having to contact one of their local dealers who is asking me to submit another loan application so they can present it to an undisclosed number of lenders which will end up damaging my credit history and score. Not only is this unacceptable but I believe it is an unfair business practice should be investigated. I appreciate your consideration to this request and look forward to hearing from you soon. Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same sourceXXXX XXXX XXXX I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.

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 2022-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC
State: KS

Complaint narrative:
File was denied due to credit score ( when I applied that was not the case or they would have denied at application ), when in fact it was because they missed the FCRA deadline for a credit decision. So they issued a new loan package, with higher rate/fees, and 20 days after that denied the loan without specific reasons or any call from lender. We received the adverse action notice roughly 10-15 days after and said simply loan didnt meet guidelines- zero further explanation or communication, so this was on roughly day 60 from the initial application. I asked for specific reasons for denial and never received any further communication. The customer service was a lot worse than all of this, but I plan to seek legal recourse for damages.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Scamed me for paying a loan I didn't consolidate for and charging me {$5000.00} to a different financial student loan service osla When the student loans I am currently paying are XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX  is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX  is reporting to Equifax as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CT

Complaint narrative:
In XXXX XXXX and XXXX I took out 5 loans. 
The last in XXXX being XXXX. For years navient recommended forbearance and or deferments and when payment was made when not in deferments. The moneys were allocated to loans that did not need payment yet and this caused extra late fees on the loans that were supposed to have gotten the full payment. They told us they divided up the money and dispersed it to all the loans. When asked for a lower payment option we were given an amount that didn't even cover the 12 % interest rate on the XXXX loan. Now 14 years later the XXXX loan is now a XXXX loan. Having the unpaid interest transferred to the principle. This causes interest rate to increase. At one point they claimed I owed XXXX on the XXXX loan due to interest. They have since lowered that number to XXXX. I am not sure why the moneys that we paid only went to pay off the smaller XXXX and XXXX loans with a 4 % interest rate. Also I spoke to XXXX XXXX who says They have my 5 loans including the XXXX loan. And we have been paying them as well. Navient claims my loans are private loans and are different. That is untrue. My loans are Federal Family loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX XXXX  and the consumer reporting agencies. 
XXXX XXXX These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I just looked at my credit reports and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. I will be in the process of applying for new loan transaction and the error will cause problems with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current & only address shown should be : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My Valid Associated Names are as follow : XXXX XXXX XXXX XXXX XXXX My current & only phone number shown should be : XXXX My current & only EMPLOYER shown should be : 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 2022-09-06 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: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
On XX/XX/2022, I called to request a refund of the payment I made on my student loan during the COVID 19 pause. I was told that I was entitled to a refund due to a provision in the CARES Act. The person I spoke with on the phone said that he would put in my refund request for processing that day and that he did not foresee any issues. I've contacted Aidvantage regarding the status on multiple occassions and have been completely ignored. My account has not been updated, which implies that no action has been taken in the past two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ALL IN XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act ALL IN XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity website for all three of my store cards XXXX XXXX  XXXX, XXXX, and XXXX XXXX ) have been down for months. I know I have credit on these accounts and Im unable to use them. Im also unable to pay my bill. When I call the customer service line, Im met with poor customer service after waiting an hour and then Im either hung up on or they can not help me at all. Im getting late fees because of this. My credit score is dropping over something completely out of my control. This is ridiculous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
The date of the occurrence is XX/XX/22 the amount is {$100.00}. I used CashApp to send money to someone, I sent it to the wrong person. I contacted CashApp through the apps customer service as instructed and was told that since the transaction was completed that they could not issue a refund and to contact the person I sent it to or request a refund through the app. Upon doing so, I was told the person I sent it to had an outstanding balance with the apps borrow feature and once sent my money was automatically applied to that balance. I contacted CashApp customer service and after numerous attempts because I was hung up on several times because supposedly my account could not be found, I was told that my money was gone and that the person I sent it to should either pay off the outstanding balance and then borrow the money back to pay my money back or pay my money back personally. I asked if the person the money was sent to receiving money that was not intended for them violated the companys policy how could my money not be returned to me? I also asked why is my money being used to pay off someone elses debt owed to that company? And if all available funds in the receivers account will be used towards the outstanding balance, why is it the smaller amount that I sent to the receiver, intentionally, was not taken as well? My questions were not answered and I was disconnected each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Its things that are on my credit report that have the dates open and the dates last reported wrong and or different on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request the name of " the company '' that Experian certified the alleged bankruptcy with. I requested the method of verification and did not receive one. Experian treated my request as disputing the accuracy. 
The consumer reporting agency ignored my request and violated the consumer law below. 

As a federally protected consume Experian violated in pursuant 15 USC 1681i ( 6 ) ( b ) ( iii ) Notice of results of reinvestigation ( b ) Contents a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian just keep providing a statement " The Company '' The letter was notarized to confirm the identity Documents attached Letter requesting the name of the company Snapshot when the dispute was opened XX/XX/XXXX Results of the dispute XX/XX/XXXX without providing the description.

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 2022-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I have a mortgage with Freedom Mortgage ( FM ). I did not choose this company. My loan was sold to them. Payment is due the XXXX of each month. I pay {$3200.00} on the XXXX. In XXXX of this year, due to the holiday, my payment was made and accepted on XX/XX/XXXX by FM for {$3200.00}. Later in the month, I received notice from FM my XXXX mortgage payment was not made. I checked my account to see they received my payment. Confused, I spoke to a FM employee on Friday, XX/XX/XXXX, to find out my payment was changed to account for a shortfall in my escrow account. I was charged a late payment because my money was put into a holding account and not applied to my account due to being considered a partial payment. I asked the rep. To seek approval to cancel the late fees for the confusion and stated I would send the {$100.00} the next day. She got approval and we ended the call. I made payment for {$110.00} the following morning, a bit more than {$100.00} she requested. XXXX XXXX, my bank, shows the money taken from my account Monday XX/XX/XXXX. All was done and I made my XXXX payment to cover the new requested monthly payment. On XX/XX/XXXX, using XXXX XXXX, I found my credit score dropped more than XXXX points to find FM reported I was 30 days late on my XXXX payment. I immediately called FM to plead my case and they would not work with me. I made my XXXX payment on time and paid the new difference within one business day of knowing my payment was changed. I would like to have my credit report updated. I could see if I did not send my total payment. In this case, stating I did not make payment when they had {$3200.00} of the needed {$3300.00} for the month of XXXX is just wrong. To repot me for failure to make a payment on their inability to tell me on my call with them on XX/XX/XXXX I was going to be turned in is not good business. They have no heart for the working man proud to say in 30 years I have never been late on a mortgage payment. Help is needed to make this right.

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