vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried 3 times this year to get Experian and XXXX XXXX to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
XXXX is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!

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 2020-09-19 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: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
I co sign for my daughter at Honda dealership and notice 6 to 7 inquiries on my credit report from different lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: NY

Complaint narrative:
a bank called XXXX began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Canceled an account with XXXX XXXX XXXX and they reporting incorrectly that they still want money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I went to purchase a car in XX/XX/XXXX. I was coerced into a predatory loan and finaced by Santander Consumer USA Inc. The interest rate is 23 %. My monthly payments are {$600.00}. I can not afford that payment. The Company knew that i did not have much income at the time of purchase, yet it qualified me somehow and stick me with this high payment that is on the road they calculated for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Hi Concerned consumer advocates, I am a victim of fraud to the tune of nearly 5 years worth of timely XXXX dollar payments to Navient while being assured by phone representatives at Navient that I was making progress toward my 10 year PSLF payoff. They advised me to keep making payments and not submit for program credit until the 10 years was complete. I found inXX/XX/XXXX that I was not going to be credited for PSLF service months that I had been making since XX/XX/XXXX. 

XX/XX/XXXX, when I almost became XXXX because my school loan deferment ended and my payment was listed as over {$1400.00} per month after the XXXX site informed me that Navient was my new servicer as I completed the PSLF pathway per the directions on the XXXX site. 

Navient told me that in order to reduce my payments and still be in line with PSLF, that I needed to consolidate my loans. I did not know that this reduction in payment was not congruent with the PSLF program, and Navient representatives told me that I need to wait my 10 years before contacting the PSLF representatives. 

I did not become aware of the fact that the consolidation has to have a letter d in its title until about XXXX of XXXX when I saw the news of all of the people being denied loan forgiveness. They also thought that they were finished only to learn that their loans had been high-jacked into the commercial side and not the federal side of loan repayment plans. 

It took me until XX/XX/XXXX for my servicer to change from Navient to XXXX. I made 4 payments to Navient during that time of conversion, which are still yet to be credited to my account. From XX/XX/XXXX until XX/XX/XXXX I corresponded with both representatives of Navient and XXXX XXXX XXXX in order to fight to receive credit, but to no avail. Even after I consolidated into the correct loan type with the letter 'd ', made timely payments, under qualifying employment ... I am still awaiting 4 months of credit from Navient who took my paymets continuously yet listed me as haven been under deferred, non-payment status for the 4 months prior to my file transfer to XXXX. I am still awaiting this additional 4 months of credit to my PSLF bank. 

Someone said that you may be able to help me get credited for this 5 years and 4 months of 100 % timely payments to Navient while they misrepresented my financing, payment status, and all the while I have had qualifying employment and worked with the same company continuously since XX/XX/XXXX at 30 hours per week as a XXXX. 

Please help me get credited for my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I co sign for my daughter at XXXX XXXX and notice 6 to 7 inquiries on my credit report from different lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I co sign for my daughter at XXXX dealership and notice 6 to 7 inquiries on my credit report from different lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was informed by my ex-wife that all my credit card information was still showing on her credit report. XXXX told her it was showing because Chase was reporting it because she was still listed as an authorized user. I removed her from the account via Chase over 10 years ago. I contacted JPM / Chase who said Id have to call back as that department was closed, though the 2nd rep I talked to did confirm there were no other authorized users on my account. 

I attempted escalate because my data being available to her and being reported to unauthorized 3rd parties ( IE credit bureaus ) that this was kind of a big deal. My account was being used to determine her credit score. The rep did not seem to grasp the severity of private data being shared. I opened a complaint with her on the matter but she said it would take 10-14 days to hear anything. She also would not provide any documentation to me showing a complaint had been opened. She said that document was for internal use only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-20 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: CA

Complaint narrative:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been sick with XXXX and was not able to respond in a timely manner I would like to reopen case COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Checking or savings account ISSUE Closing an account step 1 : What is this complaint about? -- -- -- -- Balance not received from blocked account Step 2 : What type of problem are you having? -- -- - I was told that the balance would not be given to me instead would be in a ledger Step 3 : What happened? -- -- -- -- I opened the checking account with {$3000.00} dollars, 2 cashiers check were written in my name to me which was deposited at the ATM one for {$24000.00} and the other for {$12000.00} both checks were cleared, then one day i was not able to use my ATM debit i call the bank several times and was told the checks were fraudulent and would be returned to bank that it was written on. the the check for the {$24000.00} was returned the account was opened on XX/XX/XXXX its over a year now with still no response as to what will happen to my balance. The balance was already sent back and yet CITI still holding on to my balance,. 

Step 4 : What company is this complaint about? Citi bank

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A credit card with COMENITY CAPITAL BANK/Forever 21 shows as an open account on my credit report but I did not open this account. I tried to call the bank to cancel and gave my social security number, address, telephone number and zip code and they did verify the account exists but said it is not in my name so they will not allow me to cancel it. I tried every variation of my name possible and they simply said that since it is not in my name, even though it was opened using all of my other personal information, they will not be able to access it without the correct name and I would have to try to cancel it through you. I don't know what to do to remove a fraudulent account using my information but someone else 's name. I tried the customer service and the fraud department with Comenity Bank and Forever 21 and they both declined helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
I am writing this complaint letter in reference of XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX   XXXX XXXX has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: MS

Complaint narrative:
Cards will not work at any XXXX XXXX XXXX  ATM and will not work anywhere moat the time through any day. Says declined when theres money on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I received my unemployment back pay in XXXX ofXX/XX/2020 and right away my account was hacked and I disputed the charges and then I was a victim of identity theft and every dime I had was transferred to someone else account and I disputed the transfer and then I was told that I would have to wait until 90 days to see if I could even get my money back even though I did file charges and now even though I have emailed them several times I can't get them to update my phone number so that I can log in to the app and it is very frustrated I have become XXXX  amongst other things because of this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
I am writing this complaint letter in reference of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX XXXX XXXX  has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX  has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal placed a level 9 lock on my account due to fraud activity even though it had been reported my account was hacked I had no access to any accounts online and being military I couldn't access a branch in the middle of the ocean.. they refused to unlock the account. Causing me to dramatically fall behind on payments due to not being able to set auto pay or have access to those accounts.. they have sense submitted a consumer report calling for bad banking history which is untrue due to there own doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion allowed an unauthorized hard credit inquiry on my file - WHILE ME CREDIT FILE WAS LOCKED!! 

I contacted TransUnion and was informed that the manner in which the inquiry was submitted said it was authorized. It was not. Had I not caught this error, an unauthorized loan would have been issued to someone other than me! 

If TransUnions systems allow this they are clearly not actually locking the file, and therefore misrepresenting their service. 

I am working with the fraud department of the requesting institution to have this inquiry removed - something I shouldnt have to do because my file was supposed to be locked! 

Their practices need review.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Transunion about 30 days ago. They haven't removed any of the fraudulent items I requested.

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: DE

Complaint narrative:
I was forced to get a USBank debit card for my XXXX  money even after I signed up for direct deposit. I 1st noticed a charge for more money than my purchase on XX/XX/2020 that was for {$21.00}, my text alert said the purchase went thru for {$26.00}. The 2nd one was XX/XX/2020 where the charge was for {$80.00} and the text alert said {$96.00}. I tried several times to call US Bank Reliacard and wait times were too long and call kept getting disconnected every time I call. I even tried calling at XXXX and STILL couldn't get anybody to talk to. I had this debit card before and NEVER got text alerts saying the amount taken was more than the original transaction. A {$16.00} added amount is ridiculous!!! I didn't want this card in the first place and now I have to deal with extreme added charges coming from the unemployment money I had to wait almost 12 weeks for? I overlooked the {$12.00} expediting fee to get my card even though they didn't do what they were supposed to get it out to me in a timely matter. 

I don't want to use this card anymore knowing that added fees will be charged.

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 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: IN

Complaint narrative:
I am writing this complaint letter for XXXX XXXX to furnish the information as required by consumer law. XXXX XXXX and American Adjustment Bureau have FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service.American Adjustment Bureau XXXX filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted. XXXX XXXX and American Adjustment Bureau have failed to provide any proof that this debt is valid as demanded by federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: UT

Complaint narrative:
My car was in a auto accident XX/XX/XXXX. The at fault driver insured by XXXX XXXX paid out and sent me title XX/XX/XXXX. My Insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my title clear but Westlake Financial Services continues to request monthly payments. 
My concern is they offset the balance by write off or insurance ( XXXX XXXX XXXX ) paid off to release title to XXXX  insurance but they keep collecting from me, the customer too. 
Ive continued to make payments over a year while reaching out to them about this discrepancy, My attorney has also reached out & neither of us have received reply. 
Please help me resolve this confusion.

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