vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
My loans were forgiven via XXXXXXXX XXXX XXXXXXXX and per the settlement agreement, I am owed a refund. I've submitted XXXX " comments '' on my XXXX XXXXXXXX that have gone unanswered. I've submitted XXXX " feedback '' cases on my portal. I did receive a couple of responses via email, telling me the refund request of {$XXXX} was submitted on XX/XX/year>. Today is XX/XX/year> and they can not give me any update on the status. I just want to know how to get my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a debt validation request and national credit system has failed to respond! See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased items from XXXX on XX/XX/XXXX. Items were returned on XX/XX/XXXX. Items were picked up by XXXX XXXX  shipping. Items have not been refunded as of XX/XX/XXXX. I contacted XXXX multiple times through chat about my refund over the course of a month. Eventually, my account was blocked from using chat. I then used their site to have XXXX call me in regard to my order. I called twice, XX/XX/XXXX and XX/XX/XXXX. Both times I was told my refund would be issued in 3-5 business days. I have not received my refund despite me returning all items in good condition. Seller is holding my refund hostage for an unknown reason. I then opened a dispute with Truist bank on XX/XX/XXXX. I provided documentation about the items and return. My dispute was closed on XX/XX/XXXX with claims that the items have already been refunded which is a lie. My XXXX account also shows these items as " return started - your refund will be processed when we receive your item '' which proves there has been no refund. I called Truist today and the customer service rep was unhelpful and stated the dispute decision was final and that I should call XXXX again about my refund. This is unacceptable. I have given definite proof that I have not been refunded and my own bank is denying my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX failed to provide services paid for ( Internet Access ) for several days and over the span of 3 months. Due to their inability to provide services, the account was closed and charges disputed. Received email communications claiming the company was reviewing the credits. Company stopped communicating and sent account to collections. Now CCS ( Credit Collections Services ) contacted me for debit. 

This should be illegal and how is a company who failed to provide services to me charging for those services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive sent disputes to Equifax about my late payments not being late and them changing my account to paid as agreed. Ive asked for proof that my late payments were late. Asked for the proof that the company sent me a letter before 21 days letting me know my payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized inquiries are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
CFPB, question, why are my submissions getting closed upon their initial response? I received capital one 's response that has no relevance to my concerns a long with fraudulent reporting made to my credit bureaus. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Security Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Erroneous Account Information on Credit Report To Whom It May Concern, I am writing to dispute the inaccurate account information that your company has reported to the credit bureaus under my name. The account in question was added to my credit report without my intent to dispute, and your failure to properly verify this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

**Violations Cited : ** 1. **15 U.S.C. 1681s-2 ( a ) ** : This section mandates that furnishers of information must ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Reporting inaccurate information without proper verification is a clear violation of this requirement. 

2. **15 U.S.C. 1681i ( a ) ( 1 ) ** : This section requires consumer reporting agencies to conduct a prompt and thorough reinvestigation of disputed information. By reporting inaccurate information and failing to verify it properly, Security Credit Services is in breach of this obligation. 

3. **15 U.S.C. 1692g ( b ) ** ( under the Fair Debt Collection Practices Act ) : This section requires debt collectors to validate the debt within 30 days upon request. The documentation necessary to validate a debt must be substantial and should include : - **A copy of the original signed contract or application** for the debt, establishing that the debt is indeed mine. 
- **A complete payment history** that shows how the debt was calculated. 
- **Proof of your companys legal right to collect** this debt, such as a chain of title or assignment of the debt. 

Given the above, I demand the following : 1. Immediate removal of the inaccurate account from my credit report. 
2. Reverification of the legitimacy of the account, including the provision of the following documentation to validate the debt : - A copy of the original signed contract or application related to this account. 
- A full and detailed payment history of the account. 
- Legal documentation showing your companys right to collect the debt, including any assignments or transfer documents. 

Please be advised that under the FCRA, you are required to complete your investigation and provide a written response within 30 days of receiving this letter. If you fail to comply, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to enforce my rights. 

I expect Security Credit Services to treat this matter with the urgency and accuracy it deserves. Please confirm in writing that the disputed account has been removed from my credit report and that your investigation is complete. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that are not entirely accurate. I request the prompt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This specifically what I sent to PHH : I checked online and now it states that we are XXXX days past due. That we owe since XX/XX/XXXX. However, I would like to reiterate my concerns that the payment that we allegedly owe are payments that were made to XXXX XXXX  when XXXX was the loan servicer, we made a payment in XXXX, XXXX and XXXX before we were informed that your company had taken over. We only came to find out that your company had taken in XXXX. If those payments made to XXXX were supposed to go to PHH, XXXX why were we notified of the change initially. B. What happens to the payments that were made to XXXX that should have gone to PHH. Would it be our responsibility to request that money be returned or is it your responsibility to recover those funds. Cause to my understanding it would like we are being double billed by both your company and XXXX. I would like clarification on this matter as soon as possible. 

Also I want to point out that we can never speak to anyone in loss mitigation and the liasion that is assigned can never give us an actually answer to any of our questions. 

Also we made a payment that was supposed to be applied to a back balance. It was applied to the forbearance without answering my emails of the concerns I had with respects to it. 

I would like to point out that both my mother and I both work for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: IN

Complaint narrative:
On XXXXXXXX XXXX  my card and my sons card were hacked and used ive tried call direct express and ive been on hold since XXXX and nothing has been done. both our XXXX XXXX are on those cards and im getting the run around! over XXXX is lost and i dont know XXXX to do? my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX im at a loss I have bills and dont know what to do? I pray you can help me. 



your, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with amending what is going on straightaway. I generously demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: ID

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Navient regarding my private student loans that were taken out when I attended the XXXX XXXX XXXX XXXX in XXXX. The U.S. Department of Education has recently granted loan forgiveness to students who attended the XXXX XXXX due to widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. 

Despite the recognition of these fraudulent practices and the subsequent loan forgiveness for federal loans, my private student loans remain outstanding, and Navient is threatening legal action against me. I currently owe {$18000.00}. 

I have consistently tried to make my payments, but with the rising cost of living, my payments have become unaffordable for me and my family. I have paid them what I could afford and I reached out to Navient to request an affordable payment plan. However, their only option was to lower the monthly payment slightly, which still left the payment above the threshold I could afford each month. When I asked them to work with my term limits, they declined and insisted that I either take their only payment option or face litigation. 

During my last conversation with XXXX, a representative from Navient, I explained that I couldn't afford their proposed payment option and that I couldn't sacrifice my family 's necessities to make the payments. XXXX rudely cut me off, stated she wasn't going to argue with me, and said she would forward my case to their lawyers to take me to court before abruptly hanging up on me. 

This treatment is not only unfair but also disrespectful. I believe that Navient should take into consideration the fraudulent practices of the XXXX XXXX and work with me to find a reasonable and affordable repayment solution. 

I am requesting the CFPB to investigate Navient 's handling of my case, their refusal to offer a reasonable payment plan, and their aggressive and unprofessional behavior towards me. I seek your assistance in resolving this matter and protecting my rights as a consumer. 

Thank you for your attention to this serious issue. I look forward to your prompt response.

Company response to consumer: Closed with explanation