vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX   monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly

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 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
I have tried to get funding and or credit from different sources online. They all say that they will do what is a soft pull. But then it turns out they make a hard inquiry and it has hurt my score. We are in the middle of a Pandemic here. I think it is unfair that my score is being dragged down because of unauthorized Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Ive submitted paperwork for this account several times. from what the company is saying the debt was opened in XX/XX/XXXX. Ive disputed it many times but they still reply with this debt is valid. A month ago I sent an validation letter to the credit bureaus. I did not get any validation of the debt, only a letter from the credit card company saying that they validated the debt but only listed my name and when the account was opened. No other information was given and none of the information I requested in the validation letter was given. 

Then I checked my credit report and saw that the account had been updated to paid in full but still no deletion either way. Then today XX/XX/XXXX I get a notification from my credit monitoring services showing that the same account has been transferred to a collection agency and is showing as a collection. As stated above Ive sent in FTC afidavit forms stating that Ive been a victim of identity theft, yet this company refuses to remove this account from my report. 


( Ive included documents from my credit report. It states at the bottom that the account transferred or sold, charged off, credit card ) it has said this statement since it appeared on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient should have set my student loans to 0 % interest starting XX/XX/2020 until XX/XX/2020, to comply with the CARES Act. However, Navient did not set my loans to 0 % interest and interest is still accruing. Federal official website shows that my loans should be set at 0 % interest. I have attached information from Navient and Federal Student Aid to document. I tried calling Navient but was never able to get through and also sent them an e-mail to which I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have contacted the goldmansachs on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to XXXX   ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg XXXX and both times they maintained my balance was {$2400.00} but when I spoke with goldmansachs they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX according to XXXX a goldmansachs specialist, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have no knowledge of this account. It does not belong to me. I have reached out to the credit bureaus asking to remove this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Hi, On XX/XX/2020, I sent money via " friends and family '' using PayPal 's service to someone who turned out to be engaging in fraudulent conduct. This person was believed to be associated with my sister 's church and I was transferring money for tickets to a XXXX  conference. After sending the funds, I was provided with a link that would not work for the tickets I had paid for. The name on the person 's PayPal account was also different than the person I believed I was purchasing the tickets from. I immediately contacted PayPal when I realized that I had been scammed and they told me they couldn't help me as it was a " friends and family '' transaction. They suggested that I contact my bank, which I did and put and stop payment on the funds coming out of my checking account. The funds were only briefly taken out, but then returned to my checking account. I then filed a dispute with PayPal as my PayPal account was showing a negative balance. PayPal claims to have reviewed by account and has closed the case. They are permitting this individual to scam other people. I would like assistance in crediting my PayPal account, but most importantly, I would like to have this person stopped as PayPal hasn't done anything to prevent it from happening again to someone else. As you can see in the messenger thread I've attached, the person providing the tickets was " XXXX XXXX '' but the name on the PayPal account is " XXXX XXXX. '' The person took themselves off XXXX XXXX shortly after the event occurred and I was unable to reach out to them. I have made XXXX aware and have also filed a complaint through the FBI 's Internet Crime department just yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted the XXXX  on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX  balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to transunion ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg transunion and both times they maintained my balance was {$2400.00} but when I spoke with XXXX  they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX   according to XXXX a XXXX  XXXX, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.

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 2020-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is AN AMENDMENT TO FILED COMPLAIN NUMBER XXXX additional information to previously filed complain, I am referring to complaint number XXXX. 
Attached I am adding proof and verification of employment termination at the XXXX XXXX XXXX and XXXX XXXX therefore SHALL be delete ANY inaccurate information about employers in my file. 
I am requesting to delete both employers from my record since is a disgrace for to have them in my record considering both of them had active participation in identity theft and criminal activities to do wrong on me to cover an spy of their choice. 
All others dispute item remains in disputing until fix and clear my credit report. 

DELETE XXXX XXXX XXXX FROM MY REPORT, it has been more than 10 years I used to work for them, and after 7 years those records shall be deleted is inaccurate. I dont want that XXXX entity in my report, deleted DELETE XXXX XXXX FROM MY REPORT. AS THEY REFUSED TO KNOWING ME AND TO PROVIDE ANY REFERENCE ABOUT ME, AND PARTICIPATED ON IDENTITY THEFT CRIMINAL ACTIVITIES IN MY OPINION I DON'T WANT THEM IN MY REPORT NETHER ITS A DISGRACE FOR MY RECORD.

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 2020-04-11 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Like most consumers we are impacted by Covid 19. On XX/XX/XXXX I contacted American Express regarding our three accounts. I was assured that we would not be counted late and did not have to make a payment. 

On XX/XX/XXXX I received notice that a charge had declined BECAUSE WE WERE LATE. On XX/XX/XXXX at XXXX I contacted Amex via their online chat feature and over the course of four reps via chat and three more on the phone, I was told that a ) we aren't late b ) we are late c ) we're only INTERNALLY late d ) the protection plan was only added to one of our cards e ) the protection plan was added to all of our cards f ) we can't use our cards while under the protection program g ) we CAN use our cards, but only if they approve h ) there's nothing wrong with our cards i ) " it's not my problem, credit should have fixed this for you '' ( I was literally just told that by someone in customer service ) The truth is, they totally dropped the ball. We had to make our regular payment in order to use the cards ( our recurring business software subscriptions are all on those cards ). 

The treatment at the hands of the CS reps was so egregious I'm on the phone holding for the escalation department because several need to be FIRED. 

There's apparently zero consumer protection during a crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The TD bank branch where I used to go has closed its doors to any personal contact because of the pandemic. I need to deposit a check and I soon will need to make a withdrawal to pay my rent. I currently do not have an online account. TD 's website does not even explain how to open one. I have a debit card but I have forgotten my pin number, therefore I can not use their ATM machines. Though the website says one can conduct business with TD by phone, this has proven to be untrue. I have not been able to get any contact with TD by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have filed three credit disputes with Equifax in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 25 hard inquiries and foreclosure or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Equifax responded to my last request. The response letter was dated XX/XX/2020. Equifax stated on pages 3 and 4 the following to each inquiry, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' They stated on page 5 that the foreclosure was verified and updated. This is unlawful and clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts must have original documentation or proof on file bearing the consumer 's consent. In this case, Equifax has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are merely avoiding the verification process. These are clear violations of the FCRA. TransUnion did the right thing and promptly deleted this same foreclosure that is in question. I have attached their response letter as verification. 
I have all the dispute letters, certified mailing receipts and response letters from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: LJ Ross Associates
State: IL

Complaint narrative:
XXXX  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I spoke with XXXX from the Dispute Department of Portfolio Recovery Associates around XX/XX/XXXX to request that he kindly remove any and all derogatory remarks from my credit file stating that I wasnt paying their bill because thats not true. I informed him he is annotating false and inaccurate information on my credit file because I have in fact been paying as agreed upon since XXXX to present and that my payments are being automatically deducted from my checking account each and every month. Furthermore, I had a good reason why I was late because I was ill and became hospitalized which they were duly informed about. Additionally, I had to wait for my social security to be approved so I can pay them more money. So as you can see, annotating on my credit file that I have not not been paying my debt is not accurate. It is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or around XX/XX/2020 I booked a flight on Chase 's rewards portal for a flight to XXXX on XX/XX/XXXX and returning XX/XX/XXXX for my wife and I. Cost was {$960.00} paid in XXXX of points. 

On or around XX/XX/2020, Chase informed that the flight had been cancelled and that I would recieve an airline credit. 

On XX/XX/2020 I contacted Chase travel and requested a refund of the points instead of an airline credit. I was told this was against Airline policy. I cited published guidance by the FAA indicating that if the airline cancelled a flight the consumer was entitled to a refund and was not required to take credit. 

Per the FAA : If your flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation even for non-refundable tickets. You are also entitled to a refund for any bag fee that you paid, and any extras you may have purchased, such as a seat assignment. 

XXXX XXXX XXXX I asked Chase travel chat about filing a dispute. I asked Chase XXXX chat about a copy of my cardmember agreement and any other dispute resolution procedures. Chase XXXX chat representative was unable to provide any information. Chase XXXX  chat also refused to send a transcript of the chat. Chase XXXX  chat refused to pass my request on to someone else at chase to follow up with me. 

I have pictures of my chat with Chase as needed. As stated, they would not send me a transcript. The file size exceeds what I can upload.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is regarding my XXXX XXXX Credit Card handled by Citibank. I won a complaint against XXXX XXXX and accepted a settlement. The settlement refunded over a {$1000.00}, but I'm still being charged interest on the settlement amount. 

I'm looking at my account message sent history. There are Eight messages sent - All have a status of Unread I have called the dispute line and have faxed the settlement agreement to their dispute office several times. I've been on the phone and have been cut off after getting a live dispute rep on the line. 

They will not adjusted my interest. I want to file a complaint.

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 2020-04-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: DE

Complaint narrative:
Not sure about this debt at all. I do not owe this company.

Company response to consumer: Closed with explanation