vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: MI

Complaint narrative:
US Bank received my payment on XX/XX/23 and they are not posting it to may account until XX/XX/23, when my final payment is due. Though I have consistently paid early and on time, but now at the end of the lease, because I am purchasing the vehicle they won't post the payment they received and allow me to purchase the vehicle without extra fees because even though they have the funds due, they won't post the payment. I am not bankrupt, the payment has cleared my account. There is no reason to not post the payment and let me move on with my life without paying extra fees. Instead they want me to wait until after XX/XX/23 risk an interest rate increase, even though they have the money.

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 2023-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient on XX/XX/2023 at XXXX XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient Customer Service representative when I called was that the loans are still in repayment, that they arent government loans and so do not qualify for forgiveness due to an institution being discredited. The Navient representative did not provide any other information in response to my asserting of this complete defense to repayment. 

I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the Customer Advocate. I received a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2023. ( I have attached a copy ). In this letter, the Customer Advocate XXXX XXXX explained, among other statements, that private loans are not eligible for the Department of Educations Defense to Repayment Discharge Program. I believe there is a problem with this response and there should be a process for providingme with more information and relief. Further, since making this call they have emailed me twenty two times with payment reminders despite my defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress. I lived for years with my family to ensure I could make payments and could not afford my own home. I have had to pay exorbitant interest rates all while the school XXXX was cited for numerous legal violations, leading to closure. 

One of these loans can only prove I took out XXXX, they claim the school called to request to add funds but have no paperwork to corroborate that claim. I now owe around XXXX on that loan. I have already paid a total of XXXX on that loan. The other loan is also predatory. I took out XXXX, have paid XXXX and still owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
On XX/XX/09 I applied for a loan with Transform Inc. They said they could loan me XXXX which I never received. Instead on my credit report shows I owe a company called credit builders {$390.00}. 
XXXX dollars was taken out of my banking account. I reached out XXXX XXXX immediately because I wasnt sure if it was fraud. All I got was a voicemail. You can not speak to a human. So in panic I signed up for XXXX XXXX XXXX, which is XXXX a month and took me lots of time to figure this, a couple days later I did get a text from XXXX XXXX. No one at this company ever calls you on the phone. They do everything by text or email. I feel that this is a bait and switch company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
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 It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.

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 2023-04-26 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting Equifax, XXXX and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, Equifax and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, Equifax and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. Equifax commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax keeps violating the laws! I show them on multiple occasions and plenty different ways how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I have uploaded documents as to how Equifax has not been following the XXXX XXXX compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Equifax stated in their response XX/XX/XXXX that they performed an investigation and the debt collectors has verified the accounts on my behalf. Equifax has not explained how they performed the investigation, what information did the debt collectors give XXXX to verify the accounts, who did " Equifax '' talk to from each debt collector, how did Equifax verify that the information from the debt collector was correct and not false, how did Equifax make sure the debt XXXX records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Equifax has not being doing this at all. Instead, they did not respond to my CFPB complaint on XX/XX/XXXX after I keep showing proof as how to how they have violated me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
On XX/XX/2023, we paid off our home mortgage, which was with XXXX We had received notices that XXXX was selling our mortgage to MrCooper, as of XX/XX/2023. When we did the payoff with XXXX on XX/XX/2023, they said everything was correct and that it was good we did it earlier than XX/XX/2023, so we could avoid any possible issues with the transfer. We did everything properly and it should have been fine. 

But, instead, we received bills from MrCooper. We called them to confirm they did not have the loan and we had paid it off before it went to them. They said the loan was somehow transferred to them on XX/XX/2023, so they show that we owe them the full mortgage. We have been calling and emailing since. MrCooper said it would be fixed in early XXXX, then XXXX. Now they say it should be fixed by XX/XX/2023. 

Our escrow is due to be returned to us and has not been. Further, we continue to receive bills from MrCooper. They made the error, we did nothing wrong. And yet, we are negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: TN

Complaint narrative:
This in response to a previous dispute response from PNC. I spoke with XXXX XXXX, XXXX XXXX Relations. PNC XXXX XXXX XXXX. For starters, she specified per their policy starting in XXXX, states that they dont report to credit bureaus if a bankruptcy is on file. She also stated not all their calls are recorded but their reps specify when you call that all their calls are recorded when you talk to PNC reps on the phone. Per my rights, and to recap ; PNC was reporting on my credit until XX/XX/XXXX. PNC appeared on my credit starting XX/XX/XXXX when they bought out BBVA. Under my rights, I still was not notified that PNC would stop reporting to the credit bureaus due to my bankruptcy. I never received a disclosure for this policy and due to the error on PNCs end and lack of documentation provided to me, this hindered my credit score. I was told via phone call from the credit bureau representative from your credit bureau investigation department that all they would need was the reaffirmation letter to start reporting back to my credit. I demand this phone call be reviewed and acknowledged as I was told all calls are recorded anytime I call PNC. I demand that call to be reviewed because I was provided this information from these reps. Overall, I was never informed that PNC was not going to continue reporting and caused my credit score to take a hit which resulted in a hardship for my livelihood. I need know where and when this disclosure was provided to me that PNC would not report to the credit bureaus because of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account with out my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We purchased home appliance set in XXXX from Home Depot on a promotional month plan for their credit card. We were paying it off in full during the promotional period. 

In XX/XX/XXXX, we made an additional purchase, and the online portal for Home Depot made a clear statement that the balance of our current purchases were eligible for a new promotional rate again ( XXXX interest ). We accepted this promotional rate, and adjusted the payments we otherwise would have made. It did not say anything regarding what would happen to accrued interest on the original purchase, clearly appearing as a balance carry forward without penalty. If it had been in anyway made clear this balance would be subject to penalty as part of their promotional efforts, there is absolutely no chance we would have amended our payments. 

In XX/XX/XXXX, Home Depot then charge us the full interest on the appliance purchase despite clearly marketing to us that this was a promotional rate for the full balance. To date this is over {$1000.00} dollars. 

It's clear from payment history that we changed out payment with the new promotional offer to reflect what was communicated online by Home Depot. We continued to make regular payments, without notification our outreach from the company other than expected monthly emailed bills, for which we had no reason to suspect interest accrued. Home Depot has been charging us interest since XX/XX/XXXX. 

The attached document below includes email confirmation for my Wife ( XXXX XXXX ) on the new promotional offer, Home depot 's standard promotional language, and the change in payments reflecting the date of the promotion.

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
After reviewing my credit profile on XX/XX/23 I identified a discrepancy with the account listed under HUNTER WARFIELD INC and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/23 and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/23 there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights and I am aware as a natural consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This Issue was resolved with XXXX. As a result the account was removed from my credit file, showing that you TransUnion are intentionally tarnishing my credit report, bringing me distress and embarrassment. I want the Account removed from my credit report immediately.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was dropped XXXX points and marked late incorrectly. I spoke with XXXX  XXXX and they sent me statements and a letter of proof that it wasn't their fault. I need this corrected immediately if not done by 30 days I will have to take legal action

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 2023-04-27 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX in XXXX XXXX XXXX did not give XXXX  of XXXX XXXX purpose , nor did a court of competent jurisdiction issue an order for XXXX XXXX XXXX to furnish an inquiry to Transunion , LLC. XXXX XXXX XXXX and Transunion, LLC. have both been placed on a Cease and Desist regarding this inquiry. XXXX XXXX XXXX and Transunion, LLC. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, XXXX XXXX XXXX and Transunion, LLC. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer, did not receive any benefit from this transaction.

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 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am XXXX XXXX XXXX. About 10 years ago, I was approached about getting {$10000.00} for a personal loan from One Main Financial in XXXX XXXX, Ca. A lot of my older friends at the cafe was approached. I have a balance of over {$6400.00} which has taken me years upon years to get to this balance. My daughter told me this is considered a predatory loan that sometimes older people who dont know any better are approached to get. They asked me to bring in my wifes information ; retirement statement, income but said she did not have to sign anything. My daughter who is now speaking on my behalf approached them to resolve and forgive the balance of the loan but they will not. I am reporting them to you and would like this off my credit report. I do t have long on this earth and I do not want my children and wife to suffer for my missteps in getting involved with a predatory loan. I appreciate you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
XXXX XXXX of XXXX XXXX received a wire transfer in the amount of XXXX after impersonating a different XXXX XXXX on XXXX  and acting as if he was a crypto trader. He sold his services and once the wire transfer was complete he said he started trading the money. He stated that my return would be available in 7-14 days. Today he advised that the exchange was complete and I could withdraw the money. I initiated the withdrawal but he sent an email to me stating I needed to pay 10 % commission prior to him releasing my earnings. I asked him to take the commission out of the earnings. He said his company could not do this that I had to send him the XXXX. I asked him to call me he sent me a XXXXXXXX XXXX # to call him on. When I confronted him about it being a scam he immediately hung up on me. I asked him to release my initial investment and he could keep the profit but he quit responding. Im out XXXX and have no idea how to even contact this person because the real XXXX XXXX is saying he was hacked on 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