vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my Experian credit report, XXXX had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

XXXX has a history of wrong doing and has continued to harass people with student loans during the pandemic. XXXX was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what XXXX reports to Experian through Experian and have complained to Experian through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to Experian ( an illegitimate attempt to imply my credit report has been fixed ). XXXX is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like Experian, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override Experian reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on XXXX part and detrimental to peoples financial well being during difficult financial times.

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 2020-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
By law I advised the CRA to remove every address thats not Mines that I did not register with them or USPS or updated. 
My Only Addresses on file with CRA should only be XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX And XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX. 
Other addresses are not Mines I dont receive mail there or live there, they refuse to remove said addresses. They are collecting wrong inaccurate information and went to correct it and they will not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NY

Complaint narrative:
What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.

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 2020-12-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NY

Complaint narrative:
What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.

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 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I applied for and received a loan from Mitig Capital. I received XXXX on XX/XX/2020. I contacted Mitig Capital on XX/XX/XXXX. I was horrified to hear the Balance of XXXX on that date. I then made sure to have that entire balance in my account that was on file with Mitig Capital. I had a conversation with the loan officer on the XXXX of XXXX at Mitig Capital and she said that the XXXX which was the entire balance on that date would be pulled from my account on XX/XX/XXXX. She said the balance would remain the same until then. On XX/XX/XXXX the funds were not pulled so I called Mitig Capital. The agent named XXXX stated that there was a problem on their end at that's why the balance hadn't been pulled. He assured me the balance would be pulled the next day on XX/XX/XXXX. I called back the evening of XX/XX/XXXX to make sure there was no problem with my account numbers that they had on file. This time I talked to an agent named XXXX XXXX. At first he said my account balance was approximately XXXX. I protested stating that I have been attempting to pay off the entire balance since XXXX. He talked to a supervisor and called back to state that yes the balance of XXXX was still valid payoff and that the funds would be pulled on XX/XX/XXXX. It is now evening of the XXXX  and Mitig has not yet pulled the funds to pay off the debt. I am very concerned that they are stalling and attempting to run up finance charges. I have read that this is happened to other clients of theirs. Please advise and help if warranted ... .thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
The company is discover card and they already know the problem because I reported it to them immediately the first time it happen and then it happen a second time and now they are working on my account to try to fix it as it was agreed upon. Do not know if there is something else that could or needs to be done. That is why I am writing your organization now about my discover card issues. This company keeps submitting my whole balance despite the fact it is on a Monthly agreement payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
My loans were consolidated six in all at supposedly 2.2 percent on a 10 year loan. I paid on time for 10 years with a 2 year deferment while I went bankrupt. I looked to see if I could pay of the remaining balance because it should have been close to payoff. Instead the balance was unchanged. I challenged AES about the balance and they sent me documents that showed the interest rate at 7.25 percent which I never signed for. The documents contain very little information and no terms and conditions and the signature at the end is a supposedly electronic signature but there is no way I would have signed those documents. This ends up being like a 50 year loan. They must have had the terms and conditions at some point in order to set up a legal repayment plan. I believe it is a clerical error on their part and then they fraudulently forged document to cover their error. The documents provided meet no legal standards, it doesn't contain any identifiers doesn't say the lender doing the loan and mainly it says I was unemployed which I in no way was. They didn't have my employers information so they put unemployed which right there tells me it was altered not to mention the other things altered. Is seems pretty likely that AES altered the paperwork because they would have had to know that this payment plan would take 50 years and would not meet Federal Student Loan Guideline. If they did not know this loan was wonky then they should not be a student loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-03 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NM

Complaint narrative:
Received U.S. Bank Reliacard for unemployment benefits that I didn't apply for and is not applicable. After contacting U.S. Bank, it appears the card was issued for unemployment benefits in another state.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I received a call on XX/XX/2020 from XXXX XXXX on behalf of Sunrise Credit Services Inc. She was requesting that I pay Sunrise Credit Services Inc {$130.00} attempting to collect a debt on behalf of XXXX XXXX. I currently have services with XXXX XXXX. I'm not even sure of how she got my old address. I corrected her with my mailing address and I also requested Sunrise Credit Services address and she gave me the PO Box . Afterwards I informed her that Sunrise Credit Services does not have my permission to contact me on my private line and I never agreed to do business with them. She informed me that XXXX had forwarded my information to her. I asked her if she understood what I said she said yes then I asked her to have a nice day. 
I called XXXX immediately to understand the confusion and I was informed that there were no issues in my account and they had no idea why a debt collector was calling me.

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 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo reporting late payments past Due 30 days and balance incorrect. I reached out to the loan department several times this year regarding the impact the pandemic has cause my financial circumstances. I still managed to make payments. I made a partial payment XXXX they reported late on XXXX. My principal balance is {$120.00} to date they report a balance of {$640.00}.

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 monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
As a Federally Protected Consumer, Natural Person, and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and perform redress compensation for your trespass against me. You are causing me damages, suffering by attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

The within named natural person ( *Consumer ), XXXX XXXX XXXX who is domiciled at XXXX XXXX XXXX in Florida XXXX personally came and appeared before me, the undersigned Notary Public, and makes this his statement, testimony and Affidavit of Facts under oath or affirmation, in good faith, and under penalty of perjury, of sincere belief and personal knowledge that the following matters, facts, and things set forth are true and correct, to the best of his knowledge in reference to account / stated or implied account # XXXX : I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CONVERGENT OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with CONVERGENT OUTSOURCING in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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 2020-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the XXXX and XXXX breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.

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 2020-12-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
It was brought to my attention, when I was trying to rent a property and got deny. They told me to check my credit report and that's what I did. And that when I saw National Credit Systems on my credit report and it was a balance of XXXX on my credit. I told them I never live at that address in question and was not aware of this on my credit. I told them I live at another address for 11 years so that couldn't be my balance. I sent them a georgia power bill of residency and rental applications I did in XXXX my georgia power bill was from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I requested a deferred payment due to the pandemic on myXX/XX/XXXXXXXX XXXX with fifth third bank. They informed me I had 6 months until my next payment. I called back today and they informed me its half a payment each month for 6 months. Its showing late on my husbands credit and mine. I made a payment today to get caught up. Can you please update the late status on my credit and my husbands. This pandemic financial options are new to us and confusing. Please help us. 

XXXX XXXX

Company response to consumer: Closed with explanation