vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
Companies included : Experian, XXXX XXXX, XXXX XXXX, XXXX Experian has consistently falsely reported the wrong information regarding each of these other companies, and has failed to change the negative information after conducting two disputes per account, or company. 
I paid off my XXXX XXXX account and have the documentation that proves it but I should think XXXX XXXX could verify that fact. The account status was last verified in XXXX of 2020, but I cant seem to get the correct info to Experian to correct their error. Similar issues with XXXX and XXXX accounts. I truly have no knowledge of a XXXX XXXX account and it shows I never made a single purchase with the account, but it reflects negatively on my credit report and Experian will not dispute it again. XXXX   sold me a new SIM card years ago at ne if there store locations, but I didnt have time to pick out a new device for my new added line, because the store was closing for the day. I never ended up using that SIM card at all in any device but six months later I was getting collection notices from XXXX where they had assigned me a device and a plan that NEVER existed, I never even took the sim out of its Plastic punch out card holder. I went to the store first where I bought the card and they passed the buck to customer service via telephone to address my issue, customer service referred me back to the store for help. Meanwhile, I have 6-8 months of charges for a phone and a plan that I never signed up for saw or used. What can I do?

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft and am also included in a Equifax Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX  has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at XXXX  over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft and am also included in a XXXX Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at EXPERIAN over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.

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 2020-08-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have contacted Equifax regarding obsolete accounts on my credit report. This is information that should have been deleted pursuant to the FCRA. Equifax has refused to delete this derogatory information, in contradistinction both XXXX and XXXX have remedied this information and have done so promptly. 

I have also informed Equifax of a fraudulent account on my credit report, and again, they have refused to take any action, investigate, or otherwise comply with their obligations under the law. 

Equifax is in violation of the FCRA, and instead of investigating this issue as they should they responded with a boilerplate response claiming they could not locate my credit file, despite me including copies of my FL Drivers License and US Passport. 

Equifax is simply refusing to take the appropriate action that they must pursuant o applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: MA

Complaint narrative:
Navient seems to have increased the amount I owe on a loan by {$2700.00} after the 3 month COVID deferment.. I was paying {$320.00} per month for over a decade which was the agreed amount for the life of the loan. I am being charged {$340.00} per month for what seems the life of the loan. There was 3 month 's deferment during Covid where I did not pay a total of {$960.00} ( XXXX x 3 ). By paying {$340.00} per month it increases the overall amount of the loan by {$2700.00}. How can this be? 

Did they increase my interest rate with during those 3 months of Covid? If so the banks raked in tons of extra money by giving a deferment to tens of thousands of people? If that is the case it is atrocious and borderline criminal. 

I sent them the following on XX/XX/XXXX through my borrower portal, but have not received an answer ... ... .. 

I need some clarity on how my monthly loan payment went from {$320.00} for the life of my loan until the year XXXX to now {$340.00} per month for the same time period. 
Three loan payments were missed which is a total {$960.00}. 
That is an additional XXXX for the life of the loan. ( ( {$3700.00} - {$960.00} ).

Why am I now paying. {$2700.00} for the life of these two loans? That is the way it certainly looks to me when I look at my data beforeXX/XX/XXXX and the data that is presented now.

I am looking for a response that clearly breaks down the payments I owed before XX/XX/XXXXand compare that to what you show now. I see a large discrepancy that I can not explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have sent a letter on XX/XX/XXXX to the XXXX Credit Bureaus ( XXXX, XXXX, Transunion ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX   verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, Transunion, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, Transunion and XXXX  is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED 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 explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( XXXX, Equifax, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX  verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX XXXX in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, XXXX, Equifax verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, XXXX  and Equifax is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Two accounts with this company were open and abused without my authorization or consent or even knowledge while I was incarcerated. As soon as I found out I had written this company to assure them that it was not me and prove that I was incarcerated during the dates these accounts were opened. they still report this account negatively to XXXX  and try to attempt to collect a debt from 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 2020-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have paid for the Account Assure protection program on my Lane Bryant retail card issued by Comenity Bank since XX/XX/XXXX. 

XX/XX/XXXX I was informed I was being involuntarily terminates from my job. My official date of separation was XX/XX/XXXX. 

I asked for information to file a claim for unemployment to help cover what I owed on my Lane Bryant card. I was told I had to wait 30 days of being unemployed to file a claim. On XX/XX/XXXX I filed the claim for unemployment. 

I was then asked to submit a form signed by my employer verifying I was involuntarily terminated, which I did on XX/XX/XXXX. 

Next I was asked to submit either verification that I am receiving Georgia unemployment benefits or if denied unemployment, verification that I registered for an approved job board. Nowhere available is this list of what an approved job board is. I submitted proof that I signed up for XXXX Georgia ( as required by Georgia DOL for unemployment ) on XX/XX/XXXX. 

For several weeks, XXXX  XXXX told me by phone and mail that it wasnt sufficient to complete my claim, but they wouldnt tell me what was needed to fulfill their requirements. 

Finally on XX/XX/XXXX, I submitted a letter with my documents stating I would report them to CFPB and the XXXX  if someone didnt contact me to resolve this. They said on XX/XX/XXXX they were reviewing my claim and it would take 7 business days. It is now XX/XX/XXXX, nine business days later, and they have not resolved my claim. In the meantime, I am unemployed, accruing interest and struggling to pay the minimum on my account balance. 

What is the point of my having paid for this account protection if I can not use it when I desperately need it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Please see emails attached for dates and times. 

I have been denied access to my statements after making numerous requests. But, have been XXXX  for several months so there should not have been any transactions other than small bills like XXXX All of my funds that were fraudulently removed from my account returned and then this account closed. This bank should not continue to operate if this is a common practice to ignore customers and deny access to their own accounts. I almost lost my life and was released from the hospital to finish recovering in isolation but had no money to pay for shelter, food, medicine, etc. Every attempt to contact MoneyLion was flat out ignored. I could have died if an agency hadnt stepped in to cover my expenses while sorting this issue out. And considering my family is a military family and front line workers, they showed very clearly how much my familys sacrifices actually mean ... .nothing at all. I want this bank closed and all of my money returned. Tax return and monthly SSI benefit payments. 

unsure, but this is the date that I was told that my account was closed due to having a negative balance ... which it should not have had. I had been requesting access to my account and made several request prior to this that if my request not been ignored, I could have brought my account back into good standing and my account would still be open for me to figure out what activity has occurred fraudulently while I was XXXX  with XXXX. Yet, MoneyLion ignored my numerous request for assitance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: AL

Complaint narrative:
In XXXX of 2019, I went to the XXXXXXXX XXXX XXXX in XXXX, AL and rent/purchased a washer. It was a temporary thing, I thought, I was going to buy a used one. 
What they DID NOT TELL ME was that I had to pay for it for 6 months. 

Meanwhile, I've lost my job from covid, and at XXXX, am probably going to have to live on SSI. I tried to explain this to them 3 months ago and asked them to come get the washer. ; They let me keep from paying the debt for a short period, but never came and got the washer. 

They just deducted {$170.00} from my account. This was every penny I had left and now have no money for food.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Longbridge Financial, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX. I have a reverse mortgage I am XXXX years old in XXXX XXXX. 
Longbridge my mortgage holder for the reverse mortgage I have. 
Threatens to call my mortgage for flood insurance. 
I put on insurance on the amount to cover what is owed. 
They want what the property value is. I put down half so I can live out my final years Iin peace. 
Have not gotten that from them. 
They threaten to call the note and or force plCe. 
It is {$500.00} a month for the insurance and {$500.00} and going up for taxes. 
My understanding is you only can require what is owed the lending institution helo me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was XXXX, and when I was released I checked my credit score to find out there was a credit line taken out with capital one and maxed out. I disputed the transaction and they concluded that the account belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Ive reported that this is fraud and identity theft on multiple occasions sent letters and disputes. Company keeps trying to collect and refuses to clear the debt from my credit bureau and from collection. There is only one capital one card on my report. It closed in 2013 for a {$300.00} limit. The charges made on this account were unauthorized and not made by me!! The credit bureaus arent even taking the FTC or tax fraud reports they arent blocking. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group
State: OH

Complaint narrative:
I sent a certified USPS letter to Account Adjustment Bureau ( letter attached ) requesting items from the to prove the validity of this debt. They say I owe them {$4000.00} and have inserted this item on my XXXX XXXX Credit report on XX/XX/2019. 

I have no knowledge of this debt and needs to be removed immediately from my credit report as under the fair debt collection act while being disputed for unfounded collections. 

Is Account Adjustment Bureau even licensed to collect debts within my state?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After the Equifax breach, I logged into my account to place a freeze. Now, I would like to unfreeze my Equifax account. When I attempt to login to my account, Equifax states : " We can't complete your request at this time. Please call the Customer Care team ''. When I contact the Equifax Customer Care team, they are unwilling to allow me to log into my account, nor are they willing to unfreeze my account ; demanding unreasonable documentation be faxed ( who faxes anymore? ) that has never been requested before this issue arose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!

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