vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I occurred hardship over the past year due to divorce and applied for a loan modification to lower mortgage payment during community property and divorce settlement process. 
Original modification request XX/XX/XXXX. All documentation sent in. 
XX/XX/XXXX, I reached out to citizens who stated that I had to start a new request and resubmit all info and needed to email certain documents to a particular email group. After following up several times it seems " no one has received some of my emails or The ones we just opened exceed the 30 day window and you need to resubmit them. These were sent over 4 times with the email verified as well. 
XX/XX/XXXX, online account confirmed all required info was received and packet complete and wait 30 days for review. 
XXXX XXXX, I contacted for update and they stated I should receive letter in the mail re : decision XX/XX/XXXX, couldnt access online account and mortgage account closed via credit report. 
XX/XX/XXXX no communication from them. Multiple attempts and several hours with customer service on hold. Disconnected with no follow up. 
XX/XX/XXXX, mortgage statement owing $ XXXX and info on how to apply for assistance. 
XX/XX/XXXX, credit score dropped to Poor. 

Calling customer service requires a day off of work, as you are on hold of the time speaking with various customer service representative very broken XXXX. Not to mention, Im repeating the same information over and over to each person they connect me to. After several hours, it is guaranteed that the phone will get disconnected. Beyond frustrated and stressed out is an understatement. This financial corporation its more than incompetent.

On top of this extremely stressful situation with divorce and custody, I still have not gotten anywhere with the lowering of my mortgage payment, have an unacceptable credit score, and fear the loss of me and my childrens home. And now most recently, attorneys fees that are going be associated with getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: AP

Complaint narrative:
Hello, I am an active duty military member who currently serve overseas. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 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 explanation
Consumer complaint received 2022-04-10 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 XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2022-04-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Account number 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 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 2022-04-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Account number 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I contacted company about the false reporting and was told it would be handled but remains in my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Account number 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 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 2022-04-10 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: AP

Complaint narrative:
Hello, I am an XXXX XXXX military member who currently serve XXXX. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 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 2022-04-10 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: AP

Complaint narrative:
Hello, I am an XXXX XXXX military member who XXXX XXXX XXXX. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Somebody got access to my cash-app account and was charging my cash app account $ XXXX over a night period of time and the amount just kept increasing more and more. Now my account is closed and I have funds that have to be paid off with no option to me weather or not I have to or not. Now all I have is a closed account with a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I contacted company about the false reporting and was told it would be handled but remains in my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/21 I noticed two fraudulent charges on my credit card, both to XXXX. I called BarclayCard immediately to report. I was told the first one for {$960.00} was already flagged as fraud and the second one for {$420.00} would be investigated. I reiterated that they were both fraud and that I did not make either purchase, and that no one in my household had access to this card. Both charges were removed and I was issued a new card. A few days later, a package arrived at my door from XXXX. I assumed it was the fraudulent item and did not open it. It remains today stored in a closet, unopened. In XXXX of this year, I noticed the {$420.00} was placed back on my card. Barclay says they contacted XXXX who in turn contacted the third party seller and they determined that since XXXX had my correct address, account number, email and credit card that it was not fraud and must be a valid purchase. I explained that yes in fact, I do have an account at XXXX and this is how they have my info, however I did not make this purchase and told them that back on XX/XX/21 when I called to report as fraud. I have attempted to get the unopened merchandise back to them but the 3rd party seller, XXXX XXXXs, says their 30 day return window is closed. I have called Barclay countless times as well sent letters but they continue to insist it was a valid charge. Even after telling them repeatedly since day one that both charges were fraudulent. They can't explain why they recognized one as fraud but not the other. I have tried everything I can to settle this issue but they really just don't care. I have not paid this charge and stopped using this card in XXXX when they reinstated the charge.

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 2022-04-10 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: Self Financial Inc.
State: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT # 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 a account without my written instructions NAME : self lender XXXX Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and Im a natural person/ consumer and Im submitting this complaint on the behalf of myself without influence from any third party being involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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:
XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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 XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mathew Aaron Holdings Inc.
State: FL

Complaint narrative:
Hello, I enrolled with a debt consolidation company, GRT Financial in XXXXXXXX XXXX Michigan in XX/XX/XXXX. They were to draft $ XXXX for XXXX months to settle debts on XXXX credit cards I maintained. I cancelled the program XX/XX/XXXX and expected they return 75 % of my contributions per the program. It was explained to me at the outset of the program that 75 % of my payments to GRT would be used to settle the debt with my creditors, GRT would use 25 % for internal admin expenses and settlements. 
Over the 4 months I participated in the program I contributed {$1200.00} to GRT and received a credit of {$500.00}. Not a dime was paid to any of my creditors during this time frame, nor were any of my creditors notified of my engaging GRT to negotiate a settlement as the collection calls from the creditors continued to increase in frequency and urgency. 
GRT misrepresented their service to me, I believe they are scammers, fraudulent, deceptive. I will accept a settlement of {$370.00}, paid by XX/XX/XXXX, otherwise I'm taking this issue to the FBI as it was interstate commerce, and the Michigan Attorney General. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am a single parent XXXX XXXXXXXX. I have bills, car issues, and Children to raise. My income is no more than {$800.00} a month. I dont understand how I can repay back all of these funds Without a steady income. I have XXXX XXXX  that are keeping me from holding a full-time job. I have been having these student loans one my record since XXXX Here it is 16 years later and I still have these funds that the company want me to pay back. I was told that after seven years that things should have fallen off of my report. This situation has been a big downside for me for housing, jobs, transportation and other matters. At this point I am done and tired of seeing all of these loans on my credit report if I need to file bankruptcy to try to help with this matter then I will need to do so. I just dont have the funds to pay back all these loans that Ive basically used to support my family at one give time in life. I dont feel like this should be a burden on my life any longer. Why cant my loans cant be forgiven? 
Also a lot of those companies that I used loans for didnt live up to their part. XXXX, didnt teach me anything about hair that I always didnt know. All of the equipment that was provided broke and stop working ( tablet, blow dryer, etc ), they also stated that nails was apart of the program but I wasnt able to learn because one of their advisors was allergic to the products. XXXX, lied and stated that they gave me equipment and that I didnt return is a lie. I had a percentage over a XXXX in my class. My home got broken into and even with me trying to still turn in my work, the teacher still failed me to a XXXX percent. So I quit because I tried very hard. XXXX XXXX  I barely made it due to me getting XXXX but with help from a friend and XXXX I was able to finish and I was happy. Then the online schooling was great but my XXXX got bad again and I stopped. Ive taken so many classes over and over again which I felt like I shouldnt had to. Schools like XXXX refused to share my information with other schools and I was XXXX during that time. At the end of this I tried and gave it my all. I really need help for a new being and a fresh start.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  ) with 20+ years experience working for the renowned XXXX 

I had been a satisfied customer with Bank of America ( BOA ) for over 25 years. Then suddenly and without provocation ( on my part ) BOA closed all of my accounts ( checking, credit cards, savings ) with their institution. 

I was astonished as I have maintained my accounts in good standing, and have a credit score over 800. 

Needless to mention, this action caused me emotional distress, a distrust of financial organizations and several sleepless nights, I am contacting your organization to alert you of this misdeed and ask that you assist me in getting restitution.

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 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Collection reported on my credit report for a work comp claim that was paid the agreed amount for claim between the insurance carriers and the medical services provided. I disputed and the credit bureaus are not removing. This is not my debt. I want this removed from all credit reports immediately. Documentation was provided by all parties on the claim and payments. This is an example of how people are harmed by fraudulent reports against them. If I actually owed this it would be different. This has caused a severe adverse drop to my credit score, causing me more time and money to try to have something removed that was never my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 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: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,

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 2022-04-10 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Company falsely reset debt time clock. Company claims my recent account activity was XX/XX/2022 and that is false. I have never interacted or communicated with this company in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They only fixed where I can see my score but nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for my macys XXXX XXXX and was approved they never sent it it was a long process they said XXXX allowed to have XXXX a store version and XXXX when I Initially wanted the XXXX I didnt qualify but now that I do they never mailed It and recently found out that it was approved by letter but then they closed it this isnt fair after putting me through such a a hassle

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