vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: CT

Complaint narrative:
Subject Line : Sallie Mae Told us to DEFAULT on our Student Loans Yes you heard that right. For months we have been trying to find a solution to simply lower our payments. And have our student loan payments be based on income. As a teacher, putting yourself through school solo while working XXXX jobs is hard enough. But when the repayments start and the payments are MORE Than the salary, more than the income that is brought home, it becomes mind blowing. XXXX even moved him and his family into his camper to save money JUST to be able to afford these ridiculously high payments. 

For months - we have been reaching out to Sallie Mae for options lowering interest rate, lowering monthly payments so they reflect a proper income ratio. Weve looked to refinance, remove the co signor so the co signer could help in other ways, written letters, soundless hours on the phone, escalated through the XXXX and XXXX XXXX, AND was even featured on the news. Sallie Mae is unwilling to help. And this week told us the only way we could lower payments is to STOP PAYING THEM, DEFAULT on our loans, and eventually our paychecks would start being garnished and then they could find a lower payment solution. 

Yes you read that right. They want us to mess up our credit, obtain embarrassment and stress, not be able to get a mortgage, screw up our credit, our working relationships and more, instead of lowering our payments or interest rates. OR consolidating all of our loans into XXXX. 

To summarize, weve exhausted all options. 
Rate reduction Payment reduction to be based on income. 
Consolidation Teacher credit or consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX  within XXXX XXXX I'm at a loss. They literally moved into a camper because their Sallie mae payments are so high. They just want to lower the payments to be able to afford rent on their salary. They've been on the news, link below. No one at Sallie Mae will help them. They've been predatory, rude, unhelpful. Set them up to fail. Bait and switched them on the loan. They are simply looking for lower monthly payments so they can afford housing. And find ways where Sallie Mae stops raping innocent people like them who give back to the community day in and day out. 

Can you assist me on I can speak to? A rational person that may be able to help? Someone who could even point us to a stable refinancing option with a lower rate or consolidation option based on his salary? A teacher who gave his life for kids, and this is how the country repays him, by forcing him to live in the woods, not helping him, and telling him to ruin his credit. 

XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Loan under XXXX 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 2023-02-13 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD BANK USA/NORDSTROM XXXX XXXX has violated my rights as a consumer. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! TD BANK USA/NORDSTROM XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize TD BANK USA/NORDSTROM XXXX XXXX to use or share my nonpublic personal information. I am asking TD BANK USA/NORDSTROM XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I demand this account be removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this account is being reported with late payments which is a violation of 15 USC 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 and causing harm to my reputation, I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: SC

Complaint narrative:
I was applying for a mortgage and my bank informed me of a late payment on one of my accounts, along with multiple bankruptcies.

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 2023-02-13 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: SC

Complaint narrative:
I was applying for a mortgage and my bank informed me of a late payment on one of my accounts, along with multiple bankruptcies.

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 2023-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was sent a credit alert on XX/XX/, stating that there were XXXX inquiries on my account, XXXX from XXXX and XXXX from Bank of America that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.

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 2023-02-13 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: MS

Complaint narrative:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 


Review the Following : 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 & Last reported XX/XX/XXXX {$770.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/XXXX {$380.00} Reported balance XXXX XXXX XXXX I Last reported XX/XX/XXXX {$0.00} Reported balance

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 2023-02-13 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: MN

Complaint narrative:
I am a natural person, I am a living being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because according to 15 USC 1581 : I have the right to privacy and I did not give Equifax the right to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX Beginning in XXXX XXXX XXXXXXXX Beginning in XXXX XXXX  XXXX XXXX Beginning in XXXX XXXX XXXX Beginning in XXXX XXXX XXXX CARD SER Beginning in XXXX XXXX XXXX Beginning in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: TX

Complaint narrative:
I got this loan for a total of {$4000.00}. 2 checks were huge to me for {$2000.00} each. I failed to make on time payments and forgot about the loan. I never received any contact from Republic Finance about it. I am in the process of trying to get approved for a house and it came up on my credit report in XXXX. I reached out to Republic Finance to start making payments and get the account settled. On XX/XX/2023, I made a {$1000.00} payment to an agent named XXXX, and making my notes balance due {$3200.00}, and was told to keep calling back each month to make my payments. When I called on XX/XX/2023 to make another payment, my balance had changed had had added an additional {$260.00} in fees for late payment, but I was informed the account was with a collection agency and I can not pay with Republic Finance. I reached out to XXXXXXXX XXXXXXXX  to find out about my balance and get my payment made. The agent I spoke to XXXX, informed me my actual balance was over {$5000.00} and that they never received my payment of {$1000.00} from XX/XX/2023. I gave them 24 hours to get with Republic to find out the discrepancy. I called back on XX/XX/2023 and they had not heard back from Republic so I called them to figure out why I was giving different information in XXXX. The manager I talked to at Republic informed me that XXXX should have never taken my payment and that she gave me the wrong balance. This has messed up my entire plan. She also mentioned that XXXX supposedly could see my payments immediately when they are made and that is not what XXXX informed me from XXXX. I ended up settling my account with XXXX bc I need to move and get approved for a house and this is hurting my credit score. I still have not received a receipt of payment or my deletion letter from XXXX and the agent coins not confirm if my {$1000.00} payment was ever applied to my account. I feel this needs to be reviewed and my {$1000.00} payment refunded bc Republic was charging me interest fees every day and made my loan go from {$4000.00} to over {$7000.00} that does not sound right. No one will provide me any documentation of my payments or that I have paid it off and Republic Finance sold my account but still had it showing on my credit report with them. This feels almost like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: CORELOGIC INC
State: NC

Complaint narrative:
I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.

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 2023-02-13 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In accordance with the fair fr edit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Asset Agency, Inc.
State: CA

Complaint narrative:
I ( XXXX XXXX ) recently found a report on XXXX 2023 on my XXXX credit report., reported by GLOBAL ASSET AGENCY with an amount of {$2600.00} company number is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona. I do not recognize the company or the amount they are collecting for., or reporting for. I dispute amount owed or that I owe this company. I was never notified of any collection on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Company advised me that they closed my accounts due to a XXXX XXXX bankruptcy, however, I have never filed for bankruptcy. There isn't a record of bankruptcy that is associated with my name or social security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is 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 are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is 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 are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on XXXX ) XXXX XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: MI

Complaint narrative:
I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on Experian ) XXXX XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Received multiple emails between XXXXXXXX XXXX on XX/XX/XXXX stating that an account is in progress of being created and verified. The account was then created and approved during that time. I had no knowledge nor approved or any sort of account being created. I dont even Bank with Bank of America so that was already a flag. Called the fraud line between XXXX XXXX XXXXXX/XX/XXXX and the lady stated that the account was opened using my SSN and there was no activity on it yet. Lady stated that she closed the account and would send an email verification. Have yet to receive said email as of XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TekCollect Inc.
State: PA

Complaint narrative:
Received a phone call from TEK COLLECT INC on XX/XX/2023 at XXXX the phone number they used at the time is XXXX. Upon answering the phone they immediately asked for my name, where I asked who they were and what company they were calling from. The caller refused to identify and stated they need to verify who they were talking to before releasing that information. Upon asking again for the information, I was put on hold for 30 seconds. They then came back on the line with a different person and stated they were from Tek Collect about a debt. I immediately informed them that they violated FDCPA by refusing the identify immediately upon request and that they were calling a cell phone incurring me charges where they were not authorized to call. The phone call was immediately terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation