vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-04-09 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:
I am an IL XXXX XXXX of 21  years, with a student loan that I believe was consolidated by Navient, My loan is through Navient, that's who I make payments to monthly. I XXXX in an underprivileged XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, IL  ( 7  years as of XX/XX/2020 ). Navient is fraudulent because they offer XXXX  forgiveness and then they reject XXXX  applications. I met all the criteria to receive XXXX  forgiveness. As I mentioned, I XXXX  in an underprivileged XXXX XXXX XXXX that is 100 % free lunch for all students. I am also a specialized XXXX  certified in XXXX XXXX. That is also the criteria to qualify for XXXX  loan forgiveness. I have applied several different times with my district HR Administration signatures and sent the application to Navient and I waited for months only to get rejected. XXXX  loan forgiveness states that it will forgive alone when it's {$17000.00} or less or up to {$17000.00}. They make it impossible once you apply to ever get loan forgiveness, it is fraud. Advertising XXXX  loan forgiveness and then making it impossible to receive it. My loan is just a little bit over {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL

Complaint narrative:
To date, my phone calls, voicemails and emails are being ignored. I despise that and feel totally disrespected. Triad Financial website states " world class Professionalism : ... I'm finding XXXX. On XX/XX/XXXX I was able to speak to the VP who found this " lost '' cashier check dated XX/XX/XXXX for {$46000.00} and said he would have it applied on the principal of my {$76000.00} loan, have my account recasted as it would make a big difference in my payments and send me an amortization schedule. EVERY DAY I still find only {$34000.00} applied to the principal. By the way, my contract clearly states no penalty for prepayment. My first payment on XX/XX/XXXX and second on XX/XX/XXXX are posted XXXX ... incurring undue extra interest. They have made future payments ( surely including interest on the larger amount ) and the website shows I do not owe a payment until XX/XX/XXXX ... 74 days away! I am still going to stay on schedule and make the XXXX payment. {$41000.00} is hanging in " mortgage ''. No communication nor correction to my account has caused enormous stress from someone not being honest. I think about this constantly. I am XXXX years old and used my life savings to buy this XXXX mobile home and am now helpless in this mismanagement of my money. I have sent a letter to CEO on XXXX and unfortunately not received a phone call nor any response. Is this normal practice? Is this legal??? Please help me to have an accurate posting, date AND money. This is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
i contacted honda financial about this loan and it has been 45 days or more with no response, i tried to get the account information verified but had no luck getting a response, they in turn have added a late payment on my credit report for a car/loan i am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
I am a victim of Hurricane Michael ( XX/XX/XXXX ) living in a federally declared disaster zone. I received a {$130.00} settlement benefit check ( # XXXX ) issued by this bank dated XX/XX/XXXX. By the time I received the check that was lost in the mail and cashed it, it was returned by my bank as unpaid on XX/XX/XXXX. 

I have advised to XXXX XXXX and XXXX XXXX several times both the telephone number ( XXXX ) XXXX, the website ( XXXX ), and the email, XXXX provided for XXXX  are prerecorded lines with no option to speak with a live representative or request a replacement settlement check and you would know that if you just simple dial the number yourself prior to blindly handing it out. They have both repeatedly ignored my emails, including the executives CC 'd for Huntington Bank. 

I am requesting this be resolved immediately, especially considering the funds should still be available in the company 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XXXX  Credit Report of USAA 1 ) CERTIFYS FALSE CREDIT INFORMATION. 2 ) USAA COLLECTS ON ID THEFT. 3 ) Kindly note THERE ARE NO USAA CREDITS MADE TIMELY XXXX XXXX see attatched XXXX   Credit Report. USAA CERTIFYS THIS IS NOT ID THEFT. ( This is ftc ID Theft case XXXX dated XX/XX/XXXX THAT USAA IS VERY AWARE OF ) see attatched XX/XX/XXXX statement my data was used to place UNAUTHORIZED charges of {$470.00}. see attatched XX/XX/XXXX Fraud Claim date XX/XX/XXXX, XXXX see attatched statement XX/XX/XXXX transactions XXXX XX/XX/XXXX total {$470.00} UNAUTHORIZED. My data was used to place THE SAME DUPLICATE UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX {$470.00} see attatched XX/XX/XXXX statement. see attatched UNAUTHORIZED ACTIVITY REPORTED transactions XX/XX/XXXX - XX/XX/XXXX My data was used to place {$320.00}. UNAUTHORIZED TRANSACTIONS USAA COLLECTS ON ID THEFT REP ID XXXX, XXXX, XXXX. USAA CERTIFYS INACCURATE INFORMATION. I HAVE BEEN DENIED CREDIT DUE TO THIS. THIS IS ID THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have submitted countless claims against Shellpoint Mortage because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from Shellpoint stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, Shellpoint increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have told them that i don't know anything about this 3 debt collection that they are trying to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Beginning XX/XX/2019 Blitt and Gaines began garnishments which have been taken from paycheck and they state I owe XXXX. I have reached out multiple times with no response, this debt is inaccurate and was removed from my credit report years ago as it was resolved and not mine, but my ex-wife. This has been extremely disappointing and I can not afford to have this being taken out of my check, but employer has to based on your garnishment order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 ; I contacted Riverwalk Credit Solution to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is a Hard Inquiry from Syncb/amazon occurring on XX/XX/2020, on my XXXX  credit report. However, I never authorized this hard inquiry and it lowered my credit score. Thus, I want this hard inquiry removed and I'm interested in collecting {$1000.00} under the FDCPA for unauthorized hard inquires resulting in a damaged credit score.

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 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, Transunion is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.

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 2020-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. XXXX  does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: FL

Complaint narrative:
I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. Experian does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.

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 2020-04-09 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello, my name is XXXX and I was scammed majorly. I was first asked to contact Consumer Financial Protection Bureau ( CFPB ) which I did yesterday XX/XX/2020 and your department told me to contact the State of CT Department of Banking which I did XX/XX/2020, now they are telling me to contact you again. I need someones help to resolve this matter I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in health care and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive  at this time.

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 2020-04-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX charged this collection off and sold to XXXX XXXX. The account has been in full. XXXX XXXX has deleted this account with XXXX but not Equifax or XXXX. Im trying to buy a home and it has been over a year that this account should have been deleted. Remove this account immediately because its hurting my score with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX XXXX Form 1099-C ) with which I filed my XXXX tax return.

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 2020-04-09 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: DC

Complaint narrative:
I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.

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