vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one credit card I disputed multiple time that the XXXX year mark for reporting passed and that the account should be removed. After that capital one began reporting it as charged off every month.even this month of XXXX in retaliation. It was already charged off once and never reopened. I continued to dispute via experian XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: GA

Complaint narrative:
XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all XXXX of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.

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 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: KS

Complaint narrative:
My social security XXXX check is being garnished due to XXXX declaring me ineligible for assisistance after declaring eligible in hurricane XXXX in XXXX. Performant recovery now owns the debt and when asked for statue of limitations it decline not to give any info but instead if there is a statue tell them and they would forward it to the collecting source that was in XX/XX/XXXX. I asked to validate the debt but they also declined and said they were collecting on a debt assigned to them through the fiscal bureau services due to a debt owed to homeland security in the amount of XXXX. 
On XXXX of XXXX a different agency owned the debt but when sent in my financial list to dispute the debt and to waive amounts due to hardship. My debt was placed with XXXX in XX/XX/XXXX then garnished and has been and has not stopped or given any indication when it will or why it has started I am on social security XXXX I can not afford to keep being garnished for the entirety of my life. For a debt XXXX claim I was eligible for.. I sent in documents then they changed their mind and still 15 years later saying I owe. I never received any letters except from the cpa when I sent in my financial statement and when responded my debt was then placed with XXXX XX/XX/XXXX XXXX months later.On XX/XX/XXXX of XXXX my stimulus check was offset by the Department of Treasury filed through the irs through the recovery rebate program. I am already being garnished why was my stimulus taken as well? This has been an ongoing XXXX for me. Who can I speak with to reverse this garnishment and refund all my monies paid through garnishment, tax offsets and now stimulus/recovery rebate credit. What are my options who can help?

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 2021-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX YEARS. XXXX YEARS I have been repaying student loans. I went back to school to become a teacher in the community I grew up in. I noticed a disparity in the diversity of teachers relative to the student body. I finished my education and was hired at the very high school that I graduated from. It's the best career move I have ever made. Navient has made sure that I will never pay off this loan. Years of payments, programs, forbearance, have resulted in my balance now being MORE than what I borrowed, reporting late status to credit bureaus even though I have automatic payments coming out of my account EVERY MONTH, and this latest criminal act ... pulling me out of a repayment program that Navient decided I was not qualified for and now demanding more money to keep from being late - which they report that I am anyway. I pay XXXX different private loan payments, yet they break the loans out in XXXX separate loans so it's reported as XXXX different late statuses. I have XXXX credit cards that I have NEVER been late on and have NEVER paid the minimum. Payments are usually {$100.00} to {$200.00} a month. Same with my car payment. Yet, because of Navient, my credit score remains in the mid XXXX, despite years of on time payments. They have blacklisted me from home ownership, decent interest rates, and any decent loans. XXXX YEARS of this. I'm not taking it anymore. I'm done with Navient. Paying them on time has made no difference in my loan amount or my credit score and this latest stunt is the final straw. Find a way to dismantle this loan servicer XXXX. They should not be allowed to dictate a person 's life in this way. Allowing them to continue means the government is complicit in their XXXX actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: FL

Complaint narrative:
There is inaccurate information posted on my credit report with XXXX. I have stated my reasons for disputing those accounts in the documents attached. I have sent XXXX requests ; Certified mail to resolve these issues with no prevail. Equifax is violating my rights by continues to report inaccurate information to my credit profile. XXXX XXXX : Certified XXXX XXXX  XX/XX/XXXX XXXX - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified XXXX ( XX/XX/XXXX XXXX - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. XXXX XXXX : Certified XXXX ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # XXXX Who verified these accounts? # XXXX. How were these accounts verified? # XXXX. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my XXXX signature on it correlating to the disputed accounts. If Equifax is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. Equifax has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
I received correspondence from a debt collection company named XXXX XXXX stating that they were trying to collect money from an installment loan that was taken out with a company named XXXX XXXX. This loan was fraudulent because apparently someone took out this loan falsely using my personal information. I have submitted my police report both to Midwest Fidelity and XXXX XXXX. This fraudulent action was taken out in XX/XX/2019. The amount of the loan {$3700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: U.S. BANCORP
State: PA

Complaint narrative:
I have be unable to activate my XXXX  unemployment befits debit card ( Reliacard ). XXXX claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the Better Business Bureau and complied with further instruction from XXXX but my card has still not been activated.

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 2021-04-11 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: TN

Complaint narrative:
Upon checking my Equifax and XXXX  credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to Equifax and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
This is in reference to my debt- I am doing debt consolidation and rather than call me regarding my debt, Wells Fargo is contacting my parents who I do not live with nor share an account with. I have verified my phone number on their website is correct but they have been consistently calling my parents to discuss my debt.

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 2021-04-11 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: U.S. BANCORP
State: PA

Complaint narrative:
I have be unable to activate my USBank unemployment befits debit card XXXX XXXX XXXX USBank claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the XXXX XXXX XXXX and complied with further instruction from USBank but my card has still not been activated.

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 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express is making frequent and unreasonable attempts to increase the interest rates applied to my account. The increases are in excess of 150 %. I have contacted American Express multiple times to resolve this, and they agree to call off the increase, but they immediately resume their attempts raise the rate the following month. The increases include the regular APR as well as extremely high " penalty interest ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is a debt against an old apartment lease. I left the apartment with the understanding all was paid. I recently started to monitor my credit and found this collection account that I was not aware of. I lived in XXXX  XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. I now have this negative collection for a debt that I have never been contacted or received any type of bill. I have had perfect rental history for over 10 years. If there was an issue with this complex, I would have reached out to resolve it. Unfortunately while I lived there, I had an issue with one of the office personnel who was on XXXX and she knew that my kids and I were aware of the situation. I would like to get this resolved as soon as possible. It is hurting my chances to try to rent a new apartment. I was in the same home for 3 years. They had plenty of time to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please see attached FTC Report of identity theft and Remove the account XXXX XXXX from my credit report immediately.

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 2021-04-11 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: TN

Complaint narrative:
In XX/XX/2019 there was a collection added to my credit report by XXXX XXXX XXXX, XXXX, Tn. for {$1100.00}. This was not my bill, so I contacted the collection agency and asked them to remove this from my credit report. They did not remove this collection, but they decreased the amount to {$150.00}. I wrote to all three credit bureaus for dispute and investigation. XXXX XXXX and XXXX  removed the collection immediately. I did not hear back from Equifax, but I had assumed it was also removed. Equifax sent me a letter stating they would not remove the collection. Since I know this is not my collection, I wrote back and asked for a reconsideration and to provide proof that this account was mine or immediately remove the account. Equifax never got back to me and the collection remains to this day. 
I have been denied credit twice in the past few months and when I looked further, both denials were directly related to the collection activity on my Equifax report. This collection remains open on my credit report, and no statement of dispute. 
This collection should have been removed from Equifax a year ago, when the other credit bureaus removed the collection. I know it is not legal for a collection that is not mine, and there is obviously no evidence it was ever mine, to stay on a credit report. This has harmed me by getting credit denied and credit score lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: VA

Complaint narrative:
I am writing this letter because I reviewed my credit profile, and I am a victim of identity theft and the accounts, inquiries and personal information I listed in attached report I did not authorize or does not belong to me. I have mailed a letter directly to the credit bureau over 30 days ago and I have yet to receive a response. Since I did not receive a response from the credit bureau in accordance with the Fair Credit Reporting Act, I am now reporting my identity theft through the Federal Trade Commission and CFPB which I included my Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
After reviewing my reports i sent a letter to the reporting agencies and didnt receive anything back. They should have contacted me by now and since they didnt the law states that they have to remove everything i disputed. It is my hope that sending this notice of violating the laws will result in a fair result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am not sure why the CFPB  is in existence. 
This is merely a paper push cloud of a record. The CFPB and its contracted employees do not read the complaints. Only the bank I am filing the complaint has complete control over there lying and egregious behavior. 

I paid this loan off early and charged for doing that! When I made the last payment and logged in I was told to pay {$180.00} than the nerve of XXXX XXXX Just a lying unethical XXXX XXXX  I am going to report him to XXXX XXXX DC to every XXXX  so he is put on the radar and not do this to other people. 

Than the statement showed I short paid! Why would I short pay! Its absolutely absurd and dealing with XXXX  people who think its ok to lie and actually think they are going to get away with it. That is not going to happen XXXX XXXX is an XXXX who is XXXX  in a XXXX end job and has a personal vendetta against me. I am going to file legal against him for trying to charge fee, interest stating I short paid the loan and still not reporting my loan is paid in full at a zero balance. 

This person is going to take full accountability for his actions and what he did to me in the last three years. Total banking violations. 
I am mailed I paid off my loan but yet these XXXX  can not report its paid to all three credit bureau. I do not have a payment of {$220.00} or any other payment for that matter. This is a complete banking violation and once again filing another CFPB complaint. I am reporting to XXXX XXXX at the OCC and every other top official so TD and this person does not abuse anyone anymore or think they have power to extort fees, interest, lie about a short pay! XXXX XXXX I will make sure your name in the banking world is red flagged and you are put on complete radar with your egregious behavior. Shame on you.Your unprofessional, you lie right through your XXXX teeth. It will not be tolerated any longer. Your angry because your in a XXXX end job and TD Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation