vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Debt Relief Announcement The XXXX XXXX announced on XX/XX/XXXX, that up to {$20000.00} is being provided in federal student loan debt-cancellation for loans held by the U.S. Department of Education ( ED ) . We will continue to update our website with information as we receive it and provide answers to commonly asked questions. For additional information, visit One-Time Student Loan Debt Relief and U.S. Department of Education Subscriptions to sign up for Federal Student Loan Borrower Updates . 
XXXX AES/PHEAA continues to solicit this false message despite the integrity of this " plan '' being skewed remarkably by the XXXX XXXX. PHEAA should not be engaging in misleading borrowers into thinking this is a go when a Federal Judge just blocked it from being legal. Even if this does become legal, it is not legal right now. PHEAA should not be giving borrowers a promising statement when the reality is nobody knows what is going to happen. More than likely, it will be tossed. The Economy is already destroyed due to the XXXX XXXX 's inexplicable failure. Impeachment trials have a strong likelihood of succeeding beginning in XX/XX/XXXX. 

XXXX rejected the XXXX administration 's arguments that, in a law known as the XXXX XXXX, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the XXXX pandemic is just such an emergency. 

Per XXXX XXXX XXXX : " In this country, we are not ruled by an all-powerful executive with a pen and a phone, '' XXXX wrote XXXX " Instead, we are ruled by a Constitution that provides for three distinct and independent branches of government. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-11-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The 3 credit bureau do not have my permission to report anything and I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Global Lending Services LLC
State: AL

Complaint narrative:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a secure credit card with the annual fee of {$24.00} to work on my credit and was told to come in and check before the renewal fee to see if I could get a non secure card. After making monthly on time payments I was unable to qualify so I asked about the annual fee to be charge next month and the representative named XXXX in the XXXX Oh XXXX XXXX branch told me to return after it was applied because she couldn't waive it until it was applied. Today approximately 1 month later XX/XX/2022 I called Fifth Third to follow up about this as I was submitting this only to be hung up on. Furthermore when I went into the XXXX branch XXXX told me in a follow up call that XXXX had said she thought it was about a charge I made! To sum up beware of the promises your local branches make... I have XXXX accounts with Fifth Third and I'm more than disappointed in there practices/professionalism. 

BEWARE FIFTH THIRD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Good morning I have a loan serviced through Navient and said organization is changing the terms of my loan. I received notice that they are lowering my monthly payments a significant percent and extending the loan for an equally significant amount. They tried to do this close to a year ago as well and I told them under no uncertain that I wanted the terms left as they are. This change would significantly increase the amount of interest I would pay over the course. Upon several contacts I was eventually told I could just raise the amount I pay but I expect that is part of their scheme. Most people wont adjust the autopay and end up with years extra of payments. I have been unable to get it switched back as of yet and am worried they will find a way to ignore my complaints. I hope this agency can help Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-17 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: Westlake Services, LLC
State: AL

Complaint narrative:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry 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 explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have disputed this account several times. After opening this account, my husband took the paperwork given to us at the store and created an online account with all of his contact information. He managed and paid this account the entire time until XX/XX/XXXX when he informed me that this account was in my name and he was no longer going to pay since it would not affect his credit report. He added himself, without my knowledge or consent, and received his own card. When we separated in XX/XX/XXXX, he continued to use this card without my knowledge or consent and maxxed the card out taking various trips and his monthly bills. I have a letter from Citibank that confirms that he did this. However, they keep telling me that because he was an authorized user, I am responsible for the debt. 
I have disputed this many times starting in XX/XX/XXXX yet Citibank continued to assess fees and charges and sought payment while it was under investigation. They continued to report to the credit reporting agencies as late throughout the entire dispute and investigation process as well. It was also charged off during the dispute and investigation. I was told the fees would be adjusted after the dispute and investigation. This was not done. 
Citibank continues to state that this debt has been verified but has refused to offer me any proof or documentation that has been requested multiple times as outlined in the Fair Credit Reporting Act. I have also filed a police report and FTC report as requested by Citibank.

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 2022-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
saw XXXX  charge in pending transactions. Was told could not challenge until posted. 
Called back when posted. Was deleted than reposted XXXX times. Reposted again then charged late fee for non payment plus interest.

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 2022-11-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEAR EQUIFAX I, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I XXXX XXXX XXXX XXXXXXXX, 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

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 2022-11-17 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: NJ

Complaint narrative:
I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX report the account as Closed ; Equifax reports it as Open XXXX reports a different balance than XXXX/Equifax All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit

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 2022-11-17 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. 
States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
RoundPoint Mortgage is the loan servicer for my mortgage. On XXXX my mortgage payment was not automatically deducted from my bank account as it usually is so I was concerned something was wrong. I checked online and my account said my lon was paid off when clearly I did not pay it off. I contacted RoundPoint and they said that my loan was going to get sold to another bank XXXXXXXX XXXX XXXX but that the deal fell through so they would fix it. However, in the process I learned they had my address wrong ( this is my biggest complaint ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another servicer. 

This caused me to not to be able to receive any notification from RoundPoint about my loan change and also recieve information from my new loan servicer about my new account. As a result I could have went into foreclosure due to this issue because no payments on my loan would have been made unless I actively pursued the issue. 

Its resolved now but my complaint is incredibly poor service from RoundPoint that if happened to another person may have resulted in an improper foreclosure or default.

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 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform thi

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX offered me a forbearance for 3 months on my mortgage because my husband had XXXX. Truist was questioning health concerns which is inappropriate. I stopped payment on XXXX XXXX through Truist and I have a letter from Truist stating it has stopped and a letter from XXXX XXXX stating that they have given me forbearance. Its been two weeks since they took my money out and still havent returned my money. The amount taken from XXXX XXXX was {$2200.00} on XX/XX/2022. I was Granted forbearance on XX/XX/2022 from 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 monetary relief