vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
Please note your website did not recognize the number listed below. 
CFPB COMPLAINT # XXXX Discover Student Loan, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX 1 ) XXXX - Discover Student Loan took over the loans from XXXX XXXX XXXX XXXX {$47000.00}. 
2 ) XXXX - Graduated from XXXX XXXX XXXX XXXX. 
3 ) XXXX - Began 'Autopay ' to make payments for the loans to Discover Student Loan. 
4 ) XXXX - I asked for an accounting of payments. Discover Student Loan did not apply any of my payments to the principle from XX/XX/XXXX - XX/XX/XXXX. After repeatedly requesting part of the payment be applied to the principle, they began to pay down the principle in XX/XX/XXXX. 
5 ) We always paid Discover Student Loan through 'Autopay ' so payments would not arrive late. However, a {$570.00} late fee has arbitrarily appeared on statements. 
6 ) Discover Student Loan also uses three different Customer Account # 's in the correspondence I receive from them. I have never received notification stating my Customer Account # was changing. 
7 ) I have paid an average of {$63000.00} over 9/years. Understanding interest is added to my loans why do I still owe {$56000.00}. I've paid $ XXXX. plus an extra {$2000.00} on 2 loans to principle only ( this is not added in the {$63000.00} ). What is Discover Student Loans doing with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
In accordance with the Fair Reporting Act XXXX  account consumer reporting XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.Bankruptcy XXXX  XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.

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 2022-06-01 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:
In accordance with the Fair Reporting Act XXXX  account consumer reporting XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.Bankruptcy XXXX XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people.

These are clear violations of my federally protected consumer rights.

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 2022-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX XXXX. US DOE XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX 25. XXXX XXXX XXXX XXXX XXXX 26. XXXX XXXXXXXX XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXX XXXX XXXX XXXX 29. XXXX XXXX  XXXX 30. XXXX XXXX XXXX XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXXXXXX XXXX 34. XXXX XXXX XXXX 35. 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 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 2022-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXXXXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX 15. US DOE XXXX XXXX XXXX 16XXXX XXXX XXXX  XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX  XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX 35. 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX Greetings, I presented a police report to all 3 credit bureaus in XXXX stating that I was a victim of identity theft. Looking over my credit reports in that year I noticed so many errors and inaccuracies on my reports that it astonished me. I contacted all 3 bureaus and the debt collection companies directly to dispute all inaccuracies. Many of the companies stated that they did not have me in their systems and to dispute the debt with the credit bureaus. I did dispute the accounts and they still appear on my credit report and are inaccurate and some are not my debt. I have inquiries I never authorized as well as names that are not mine. Addresses I have never lived. XXXX in fact notified me of a data security breach in XXXX and that my identity had been compromised as well. I have disputed on all 3 credit reports personal information that is not my identity. XXXX responded in XXXX of XXXX to my dispute and sent back the dispute with the same information that I disputed which had me pretty upset that they would not honor a police report my identification as well an affidavit of facts. I did security freezes with XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX Navient has reported and XXXX has reported inaccurate debt in large amounts of various accounts. owing {$30000.00}, {$7000.00}, {$1400.00}, {$1800.00} and {$9300.00} XXXX  I do not even know who this company is. Navient and XXXX indicated they have no record of me in their system and could not tell me anything. XXXX has an inaccurate amount of debt on the credit reports. XXXX XXXX XXXX XXXX XXXX has expired. They indicated to dispute the account. XXXX XXXX is a collection agency I never heard of. I never opened up a XXXX XXXX  bank account and do not have nor had a credit card of such in my possession. I will be sending out letters to all bureaus and agencies to resolve these matters. My financial peace of mind has been broken and i will not rest until I get to the bottom of why nothing is being done to resolve these matters. If you need any further documents please let me know. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is inaccurate information on my report that needs to be removed

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 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
There was a collection account placed on my credit report on XX/XX/2022 from a collection agency by the name of UCB Collections address XXXX XXXX XXXX XXXX, OH XXXX. There was a letter sent to the company by certified mail XX/XX/2022 and received by the company on XX/XX/2022. As of today the company has failed to validate the debt not VERIFY the debt. The company sent documentation that was not requested. The company has failed to validate this debt to be true by submitting the following ; -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature The company continues to report this erroneous debt to my credit report without proper debt Validation which is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
SANTANDER CONSUMER AT XXXX XXXX XXXX XXXX XXXX , TX XXXX.  HAD BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT XXXX. THE COLLECTION HAS BEEN REPORTER AS PASTED DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTACT WITH MY SIGNATURE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted an online application for a CareCredit Account on XX/XX/XXXX. I was approved the same day. I learned today ( XX/XX/XXXX ) that I have been charged a Card Security Service fee of {$1.00} per {$100.00} of my balance. I contacted CareCredit and was told the service was optional and that I need to call XXXX to cancel the service. I never opted into the plan in the first place. After calling and speaking to XXXX she stated that I opted into the plan online when I completed the application. I did not. There are many complaints to the XXXX  for this same issue. I want a full refund of the charges going back to XX/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 monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/2019 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Address ( never lived here ) : XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : 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 : 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 2022-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
FHA Mortgage is behind from XX/XX/XXXX to XX/XX/XXXX. 
When covid forbearance ended I called and wrote US bank mortgage to inquire about repayment options and to begin regular monthly payments. 
I recieved a letter stating I do.not qualify for any type of assistance. I responded by attaching the Treasury guidelines about COVID-19 stand alone partial claim showing loan is eligible. 

Beginning of XX/XX/XXXX I recieved paperwork showing total amount of Partial claim without any type of breakdown on amounts.These documents had a deadline of 14 days to accept, sign. and return. 
This partial claim offer included revisions modifying original note agreement 's by misrepresenting FHA backed mortgages. Additionally US Bank tried to fraudulently obtain Title owned by Treasury in order to prioritize lenders interest in property over Homeowners rights. 

Middle of XX/XX/XXXX I called to let them know I wasnt comfortable signing ths terms of parital claim and again would like complete financial hardship application as requested and never recieved. 

on XXXX received notice of default in mail and demanded entire lump sum payment. The very next day other owner XXXX called to conplain about not getting this hardship application to find out about all our loss mitigation options and should not be demanded the lump sum. Was again told it would be sent out that day. 

XX/XX/XXXX was the date on fiancial hardship app and got in mail 1 week later. 
XX/XX/XXXX US BANK filed to forclosure on our FHA loan. Did not offer any type of face to face interview and delayed financial assistance resulting in larger amount of default to homeowner. 


in XXXX a fha hamp modification was dons and i finally realized it was a predatory lender practices. After hurricane irma forbearance, only option given was hamp modification i was told. this was when i had no idea of loss mitigation programs or info about it. 
over XXXX was added on to total amount of loan. Some amounts added are over max limit allowed, and some include fees that aren't permitted period. 
My fixed rate mortgage interest was fraudulently increased, monthly payment increased as well making it more likely to 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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have had numerous unauthorized transactions come out of my checking account with PNC BANK. I disputed these fraudulent transaction with PNC BANK. Within 10 business days I received a letter ( attached below ) stating that during the review of my account PNC BANK determined there was no error in these unauthorized transaction. I called the number provide to me on the letter and told PNC BANK I want to appeal their decision. I was told there was no way to file an appeal and the customer service reps had no contact information to give me to contact the dispute department at PNC BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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:
In accordance with the Fair credit Reporting act XXXX XXXX Account number XXXX and XXXX XXXX  Bankruptcy reference number XXXX has v

iolated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.

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 2022-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is inaccurate information on my report that needs to be removed

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 2022-06-01 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: CA

Complaint narrative:
There is inaccurate information on my report that needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXt ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, The Bureaus ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( XXXX ), XXXX XXXX ( XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXX  Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.

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 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Pnc refuse to give back my money on my checking account due to fraud because my account wiped the balance of XXXX they refused to give me back my original balance they keep giving me the run around telling me i have to go to a local branch i filed serveral reports with no resolved at all i complain multiples times to the customer service fraud department ever sense XX/XX/2021 this been goin on for months on end i also filed a police with the bank a report at the local branch i also filed a police report still no resolved now the bank saying i owe the bank because i have no proof of fraud i did this around XX/XX/XXXX.

Company response to consumer: Closed with explanation