vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
For over two years I have been trying to set up arrangements for my student loans with Navient. Representatives hang up on me and put me on hold and if I dont hang up they do. They are reporting as defaulted/ charge off but they not assist me in anyway. No payments were made when it came out of deferred status because I can never get any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
Sent a Request for Validation and Verification on XX/XX/2022 and I want it to be known and Resolved Asap!! immediately!!!. 

Americollect has account on my credit that is not mine/inaccurate/fraud. Company has Been posting Double Jeopardy onto my Credit report and has not sent me any legal or any documents validating and/ or verifying with my WET INK signature that i owe this date, i am the person behind this debt, or this is not a debt that was not committed fraudulently without my WET INK signature was giving a BILL as VALIDATION that violate my HIPPA PRIVACY RIGHTS.I WILL ATTACH DOCUEMNTS PROVING THIS IS A VIOLATION OF MY HIPPA RIGHTS AND NOT SATISFACTION FOR VALIDATION OF DEBT WITHOUT MY WET INK SIGNATURE BUT JUST A BILL. ALONG WILL BE ATTACHED MY CREDIT REPORT AND MY IDENTITY THEFT REPORT WITH ALL OF THE REPORTING VIOLATIONS MADE ON MY ACCOUNT AS WELL SO I WILL MOST DEFIENTLY WANT ALL THE ACCOUNTS DELETED IMMEDIATELY PERTAINING TO YOUR COMPANY AND PRIVATE INFORMATION!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I was out of work  and got Covid deferment XXXX and I was unable to pay in full so I have been trying for a loan modification since then bc I started a new job XX/XX/XXXX. I complete the packet with all the docs faxed on XX/XX/XXXX and mailed and call XXXX to confirm receipt on XX/XX/XXXX which I was told it was in the system as yet. I called on XX/XX/XXXX and was advise to give it XXXX weeks because it went in in the system XX/XX/XXXX and that they are waiting for IRS docs XXXX Since then I havent received any communication so I called today XXXX was advised that the packet was incomplete and inactive bc line 3 of the XXXX was missing my name so I need to start over. This is unfair, misleading and deceptive I need help

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX bank - mortgage account- too old to be on report ive tried to get it removed XXXX - equifax and XXXX first went delinquent in XXXX - cant stay on XXXX after opened was paid in full due to insurance coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed XXXX - XXXX and experian first went delinquent in XXXX  - cant stay on XXXX after opened was paid in full due to insurance coverage

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Equifax requesting that a XXXX showing on my report from XXXX be deleted. I also sent Equifax a letter from XXXX where they confirmed that the Bankruptcy information is not appearing on my XXXX report. I also attached a letter from the Bankruptcy court stating that they are not the furnishers of information to the Credit Reporting Agencies. Those documents are attached to this complain. 

On XX/XX/XXXX, Equifax opened an investigation regarding the dispute of the Bankruptcy. 

On XX/XX/XXXX, Equifax concluded it's investigation of the dispute. As a result of their investigation ( or lack thereof ), Equifax stated to me that XXXX " verified '' the Bankruptcy as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
My XXXX XXXX traded in my vehicle and used my money to put a XXXX XXXX in his name only. He did not have my permission to do this. 
I am XXXX XXXX XXXX but Old National protecting just his interest ... Refuses to allow me to continue to pay on my primary vehicle. 
He has his own primary vehicle. 
I feel they are discriminating against me I have questioned State Attorney General and many financial institutions and informed me.. 
That although I was not added to the loan I should be able to continue to make the payments until I can get a court hearing to show that either one the vehicle should have been my vehicle and in my name. 
Or to be refunded for the vehicle and the cash that was placed for the vehicle.. 
I have been making the payments on this vehicle the whole time when it left a lot the insurance was in my name I have shown proof of the vehicle that was traded in I had just had it registered and still had the stickers on the registration. 
Included my bank statements which show the {$10000.00} withdrawal on XX/XX/XXXX because I originally was going to buy and XXXX from another dealership however that XXXX had maintenance issues and was waiting for parts and it was taking too long. 
While I was at the dealership when XXXX put this only in his name I was not aware that that's what was taking place as I was on the phone dealing with my employer and taking care of a XXXX  that was in need. 
This is not the only financial scam that XXXX XXXX has taken advantage of with myself and my children and I have a XXXX  pending against him in the meantime Old National has refused to allow payments to be made on the vehicle.. 
Have refused to hear or receive the copies of the contracts XXXX XXXX gave to me and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I had let the auto insurance cancel that I had with XXXX XXXX, since I had signed up with XXXX XXXX. When I spoke to them they informed that they insured me for 10 days after the XXXX, which i never requested, i was told that they do that as the contract allows them to. I asked them to send me the contract and circle where it gives them that right, they send the original document however where not able to show the clause that allows them to cover me once the policy expires on the date of payment. they continue to refuse to remove the amount they say i owe and have no sent it to a collection agency. They are now under XXXX XXXX and are showing to be XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
I have never had a contract with XXXX XXXX and HUnter warfield is attempting to collect a debt to for a company I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations

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 2022-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed with Experian with unauthorized inquiries numerous times and they have ignored my concerns. I have asked them to delete these from my credit report and they have not. I have sent them an AFFIDAVIT OF FRAUDULENT INQUIRY on XX/XX/2022 and they have not sent me the paperwork I have requested nor deleted this from my credit report. These are the following companies I need off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Bottom line up front : JP Morgan Chase refuses to unlock my account while I am XXXX XXXX. 

XX/XX/XXXX : I attempted to open a business account with JP Morgan Chase while I was XXXX, and it appeared to be approved. 

However, I just found out today ( XX/XX/XXXX ) JP Morgan Chase has now restricted my account. I supplied them all of the information they needed including the title ( XXXX XXXX XXXX XXXX and the XXXX ) ; after being on the phone with multiple customer representatives, I was told that the only way I could unlock my account is to go down to a local branch and prove my identity ( nearly seven times ). I told them that is not possible because I am XXXX, but they continue to tell me to go down to a local branch ( there are no local branches in my XXXX area ). 

As of right now, I am XXXX XXXX  and have no way to pay my credit card balance with JP Morgan chase, and obviously, this will adversely impact my credit card score. I had no idea opening a business account would trigger my account to be locked and think it is insane they are asking me to fly back to the states -- during my XXXX -- to resolve this issue. 

Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: SLM CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion will not follow through with their policy. I have inquiries that I am not familiar with and they refuse to follow through with my dispute I have followed all of the steps that TransUnion had forced me to do and they still will not assist me in getting my identity back

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 2022-05-05 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:
I have tired to fix this with the credit bureau, but have not got any where with Experian, or XXXX, XXXX. I need help Getting through to these guys are like pulling teeth. 
I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT CONVERSION THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. 
I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A XXXX, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! 
PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS EXPERIAN : XXXX XXXX XXXX Account number XXXX Original creditor Account name XXXX XXXX XXXX Account number XXXX Original creditor Account nameXXXX XXXX  Account XXXX INQUIRES***** XXXX  XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : Account nameXXXX XXXX XXXX Account numberXXXX  Account nameXXXX XXXX XXXX  Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Sporting Goods Stores XXXX : Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX  Account numberXXXX Account nameXXXX XXXX  Account numberXXXX  Account nameXXXX XXXX  Account numberXXXX Inquiries XXXX XXXX XXXX on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
Yesterday XXXX, 2022 I received a call from a man from XXXX XXXX Telephone # XXXX. Told me I was approved for up {$7000.00}. Asked to borrow {$5000.00}. 
He asked for my bank ID and pass code, gave him that info and received a bank verification code from the bank, gave him the code and was told the money will be deposited into my account 1st with verification funds that I was to return to prove my account was legit, after which time I would get {$5000.00} into my account. Called back was told he needed my debit card info in case the funds was not available in my bank account. Gave that info to him out of desperation. Was called back again with a request for my debit card pin. Prior to this was asked to check my account balance, well I called the bank to find out my balance and was immediately connected to the fraud department and was told some accessed my bank account via I phone, and was instructed by the bank to change my online ID and passcode. Now that that's done, I would like to report a fraudulent loan company out here scamming hard working Americans out our hard earned dollars, living in poverty and homeless. Please help put these robbers behind bars where they belong. Such Animals should not be on the loose with their scandalous behavior. 
Thank you kindly

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 2022-05-05 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 Account # 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 2022-05-05 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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Commencing on or about XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX  / XXXX  XXXX  / XXXX / XXXX  ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card, and through an intermediaries named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Wells Fargo services.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Credit line opened at Bank of America in my name, I do not have a Bank of America account.

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 2022-05-05 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: PA

Complaint narrative:
In accordance with the Fair Credit AcXXXX XXXX XXXXccount number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent

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 2022-05-05 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: Siggi LLC
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act Omni Financi, has violated my rights. 

Omni Financial XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

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.

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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX bill is a very old bill from 2012, I do not see how it is still open. It is past the statue of limitations? 


They illegitimately reappear on your credit report if it's acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning it's too old to remain on your credit report.

Company response to consumer: Closed with explanation