vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Attended the XXXX XXXX in XXXX. During this time the XXXX XXXX was owned by XXXX. 

Navient sent an application to me on XX/XX/XXXX for forgiveness of my loans for school misconduct. On XX/XX/XXXX Navient denied my application. 

Navient continues to disfranchise borrowers who were taken advantage of by for-profit schools, that even our government has admitted, defrauded borrowers. 

In XX/XX/XXXX, The U.S. Department of Education, which reviewed evidence provided by the attorneys general of Iowa, Massachusetts and Pennsylvania, concluded that the XXXX  and its parent company, the XXXX XXXX XXXX, or XXXX, made pervasive and substantial misrepresentations to prospective students about post-graduation employment rates, salaries and career services. 

For more than a decade, hundreds of thousands of hopeful XXXX  borrowed billions to attend XXXX XXXX XXXX and got little but lies in return, U.S. Secretary of Education XXXX XXXX said in a statement. 

Beginning in XXXX, XXXX then as XXXX XXXX in predatory loan practices with fraudulent, for-profit colleges in exchange for a steady supply of borrowers. Many of these loans still remain in Navients XXXX  and are eligible for cancellation due to Navients misconduct and under the FTCs Holder-In-Due-Course Rule ( Holder Rule ), which allows borrowers to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service. 

Navient is aware of its potential liability to discharge these loans, and has been forced to cancel some of these loans through legal settlements. This year, the servicer set aside {$35.00} XXXX in anticipation of a liability to cancel predatory legacy loans. While the Department of Education has promised to wipe out over {$18.00} XXXX of predatory federal debt from for-profit schools, Navient hides and establishes convoluted pathways to relief for its similar private predatory loans. 


Navient is violating the Federal Debt Collection Practices Act ( 15 U.S.C.1692 ) and the Texas Debt Collection Act ( XXXX XXXX XXXX XXXX ) by continuing to collect on these loans. 

Navient knows of the fraud that was committed, they themselves are actively participating in the fraud committed, and continue to hold consumers back from financial success and obtating their goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have filed a complaint with you all before about this company, and the results were good, on XX/XX/year> I was deeply disappointed to discover that the company has done the same thing to me as before, I just want the company to stop!!!!

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 2024-05-21 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The XXXX ( XXXX ) charges made by XXXX XXXX on XX/XX/year> are all in dispute and will remain in dispute. I will not be paying these charges. I will deduct them from my payment and these items will remain in dispute indefinitely. 

You are not to pay XXXX XXXX under any circumstances. 

Jet blue XXXX contact me directly from this point forward. 

Jet blues response to American Express is fraudulent and omits the facts in an attempt to overcharge the consumer. 

The reason the charge occurred was because their computers were not working and the XXXX XXXX employee took my card and did something and I explained to them my tickets included the only bags and the same bags we checked to the XXXX and returned with. The XXXX XXXX counter check in employee took over and she said she saw that my bags were in fact included as I stated ( we flew there from XXXX and they got it right ) and she said she credited them back to me realizing the error. I showed her the email that I already paid for the bags. She said they were having problems and I would receive the credit. 

Then my bill showed XXXX XXXX did not credit me. XXXX XXXX overcharged me by billing me again for the bags I already paid for included in my itinerary XXXX. This act of overbilling initially seemed like a mistake on their part, however XXXX Blues actions since that time seem to indicate they intentionally overcharge, overbill, and then attempt to conceal the facts in order to retain the overcharges. This manipulation of business documents to seek financial gain is simply unacceptable and may be considered criminal act. 

Our invoice and XXXX XXXX Website at the time of purchase showed our bags included in the ticket price we paid, we only checked XXXX bag each for XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

I will not under any circumstances pay XXXX XXXX for these charges. American Express will credit me for the {$130.00}. If XXXX XXXX wishes to continue the dispute they can do so directly with me, American Express is prohibited from allowing these to be placed back on my statement. 

A copy of this is being furnished to CFPB and the XXXX XXXX Attorney General. 

Settlement will be accepted only if XXXX XXXX credits in the full the XXXX {$45.00} charges ( {$130.00} credit total ) and in addition due to my inconvenience of over XXXX hours on phone calls with XXXX XXXX I bill at $ XXXX for my time, I want XXXX XXXX to credit me {$550.00}. 

I will not pay these charges on my American Express XXXX even though I normally pay my bill in full every month I will deduct the charges and American Express is prohibited from charging me any fees, late fees, or interest as a result of the fraud by XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, when I was originally living at XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX, I received a Delivery Service Invoice from XXXX. Someone in New Jersey sent a package to an address I have no affiliation with or have done business with. I tried to dispute the charge via online when I had an online account with XXXX, and they rejected my claim. I called the XXXX Fraud Team via phone, and I was given the assurance I will no longer see another invoice. I canceled my XXXX online account, I listed my reason why, and it is confirmed my online account from XXXX  is canceled. 

XXXX XXXX XXXX, I receive MORE INVOICES to the XXXX address from XXXX  in the mail and then two notices from their collector Synter. The total went from {$3.00} to almost {$90.00} because I refused to pay the invoice. On XX/XX/2024, I call XXXX  ' Accounts Receivable Team and Synter regarding the situation and had the debt canceled. I even told the XXXX  Accounts Receivable Team and I quote, " If I receive another XXXX  invoice to a package I did not send, I will report this to the CFPB. '' XX/XX/XXXX, XXXX XXXX, 2024 : I receive ANOTHER INOVICE in the mail at the XXXX address from XXXX, this time to an address in XXXX, TX sent from California ( Here 's where the package was sent to : XXXX XXXX XXXX  ). Tried to contact XXXX Fraud Team, and it's even more difficult to report the issue and now I get a notification telling me they will contact me within a day. Sent complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting 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:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Attached w/ pictures are phone calls received when still in review w/ XXXX XXXX. These were also paid because I didn't know I had a choice to fight and get proof. 
At one point they would not talk to me because problems they had legally and received a XXXX dollar check in the mail at that time these 2 accounts where removed off all my reports. Then they just appeared again. I have asked for all communications stopped and everything mailed to me for proof and calls continued! Even on a Sunday during church. I requested the following Original credit agreement/Arbitration agreement Purchase agreement/Original account number Date the account was opened Debit validation letter with original creditor with my signature on it. 
Payment history with detailed payment history. Any insurance claim filed on this debt. Chain of title to collect on this debt. Proof of debt assignment according to 15 usc 16 92g regulations. And I have not received nothing but calls and no mail or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an Amex Pre-paid GiftCard purchased at a local XXXX XXXX I used the card once earlier this year successfully. In addition, the card balance on the amexgiftcard.com website ( XXXX XXXX XXXX ) shows a balance of {$110.00}. I attempted to use this on XXXX and multiple times on XXXX XXXX XXXX, and the transaction was consistently declined. I then tried again with various other amounts less than the full face value and it continues to be declined. I called the number on the card, and they provided no recourse or solution other than " try another vendor. '' Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting 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:
XXXX continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. XXXX has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate. 
I would like to be very clear that XXXX has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE : XXXX. 

HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE : XXXX. 

HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX have requested to be opted out of clarity services. Went online and was unable to do it. So mailed a letter 30 days ago using this address with no response Clarity Services , Inc., A part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX Please opt me out and freeze my clarity report immediately. My information is attached below

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XX/XX/scrub>XXXX XXXX, I had reached out via phone to the company to make a payment on my account, at the time the women on the phone had submitted a payment, but when my next statement got generated, it was still showing a past due balance, I called back and apparently this had been applied to my other loan account. They said no one problem we can't apply it to the other account but we will send the payment back and you can make the payment again. Which I did and they still marked it late even though it was not an issue on my end. I will not be dinged for them applying the payment to the wrong account and never would have been late had that not happened and would have gladly paid an additional payment, had they offered that when instead they said to wait till the other payment got returned to me. I hope they'll correct this before I have to take this any further Including potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've been trying to get Transunion to put my FICO score back to at least XXXX. They just keep gaming the system.

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