vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I appleid for a credit card. It was approved. Then came the letter stating a high interest would be charged do to a XXXX score from Transuion. I have a XXXX XXXX account and have acess to my score and credit information about my past. I believe this to be accurate. My score was in the low 800 's at the time of this credit card application filing according to XXXX XXXX. Now it is in the high 700 's. I tried to call and emailed Transuion. There is no option to leave a number for return call. No one aswered the two calls I made one durring east coast buiness hours. 
I have not heard back from the email. I dont expect to. I asked for them to fix my report or send me the docs to fix my report and contact info of the most senior customer service employee so I could contact them. 
As a side note I am sending XXXX XXXX  a certified letter asking them to explain why they used that socre. Why they use Transuion at all and why they ran my credit score twice. I had applied for this card once before a coupla months ago they sent a letter said there was a problem. I called them and they refused to discuss it over the phone and said they could send me some paperwork. I said no ; and dont run my app if there is a problem. They ran it anyway. The second time ( this time ) they ran it and approved on the spot. Then a week later sent me a letter stating the interest will be extra high becuse of my Transuion score. Good news my card is on its way. I dont want a maxed out interest rate card. That does me no good and I wont use it. If I cancell it ; it will damage my score on the service I keep track of ; the one that updates correctly. Between a shady card company and transunion I will probably end up with a XXXX score instead of the XXXX I have earned. XXXX XXXX with transusion ... seriousl XXXX points diff form a far more accurate 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 explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$920.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Ocwen Financial Corporation
State: NV

Complaint narrative:
I have repeatedly attempted to dispute with XXXX  incorrect derogatory information reported by PHH Mortgage services during 2017. XXXX  has done nothing to investigate other than pass my dispute on to PHH and allow them to self-report as they wish. I actually mailed XXXX  a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. XXXX  merely forwarded my bank statements to PHH and the account remained unchanged. XXXX  has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. PHH continues to lie about the maintenance of my account.

This started back in 2017 and I wrote PHH ( see attached ). PHH failed to ever respond. I am the victim of gross incompetence by PHH and XXXX  has done nothing but serve as a pass-through for PHH despite being presented evidence that PHH is incorrect and unfair reporting.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XX/XX/XXXX I tried to payoff my capital one credit card account in the amount of {$650.00} and XX/XX/XXXX I tried paying off my capital one credit card account again. Doing the process of trying to payoff my accounts I was told that I was committing fraud with my very own savings account with my credit union both times when I tried to do payoff. 
In XXXX after discussing the matter with a senior mgr he told me because I made such a large payment of {$650.00} the system didn't recognize me for such payments that's why they assumed it was fraudulent so I decided to make lesser amount of payments until paid in full. I continue to make my payments with the same savings account continuously until XX/XX/XXXX when my final payment of {$100.00} was called in and successfully submitted over the phone with an representative, the following Monday I called to make sure they posted my final payment and I was shock to hear that my payment was sent back to my account because it was a fraudulent account and they could not accept it, but they continued to take my payment from XXXX until my final payment as of XX/XX/XXXX, aslo I paid my husband capital one credit card with the same account on XX/XX/XXXX and they accepted that payment and said they returned mine, So, I asked if I could just go in a branch to make the payment and the last senior mgr I spoke with told me yes, the following day I went to a branch and was there 1 hr talking with a teller and capital one Bank on my cell phone and they would not allow the teller to take my payment in cash money at the teller window, we had to do an open conversation about my business in public because of the situation the world is in the present time Corona virus and all my personal information was among the public I was embarrassed and confused why they refused my payment to payoff this credit card I was destroyed in my heart and didn't know what else to do, finally I left the bank in tears, finally my husband said let 's try and pay it with his debit card so I did and it was paid in full. 
But I'm truly upset on how they refused me to make a payoff twice and I feel discrimination played a part and wanted me to continue to pay unnecessary fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/2020 I received mail from Brinks Money and was surprised that what was inside was legal. Inside they included a prepaid card with my name on it, as well as an account number with XXXX XXXX. The whole mailer is setup to look like you requested this card and that all you have to do is go online and activate it. I'm worried people will activate the card thinking there is money loaded on it and then forget about it and get slapped with their fees of {$9.00} per month to use the card and then another {$5.00} per month for an inactivity fee. The whole thing just seemed very predatory.

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 2020-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
In XXXX of XXXX I purchased a used XXXX XXXX XXXX XXXX and got a car loan with Prestige Financial. The loan was for XXXX. We have been paying the loan payments on time never late since this time ( XXXX ) our balance currently is XXXX. We have made 19 payments yet the loan has gone down only XXXX dollars. We were promised a lower interest rate from Prestige if we paid on time which we have yet they have never applied the whole amount of the lowered interest rate. When we call in to inquire they mention all of these fees that we didnt sign up for but will never give us a detailed explanation of the fees. Our interest rate is high as we had just gotten discharged from bankruptcy, I understand that but this is above and beyond the huge 30 % interest. We are struggling to make the payment every month and the fact that all our payments are not making a dent in the balance is very frustrating. I got a letter in the mail from the auto loan company asking us to sign a form saying we believed their numbers were correct because they were being audited. I didnt fill out the form because the numbers are not correct. Also the numbers on the form are completely different from the numbers on my online account. Im hoping you will look into this as none of it adds up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
I spoke with this company on many occasions and filled out many forms and affidavits and for the past year they have been reporting on my credit reports that the debt is owed and when I file a dispute with the credit reporting agencys they delete it and then a few weeks later the same exact debt is back on my credit reports because this company ( Discover card ) keeps reporting the debt as owed when its not owed and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The company XXXX XXXX XXXX  XXXX began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THE ITEM WAS REMOVED FROM MY CREDIT REPORT AND RE-INSERTED BACK ON MY FILE WITHOUT WARNING. PER SECTION 609 AN ITEM IS NOT SUPPOSE TO BE RE-INSERTED WITH WARNING. THIS ACCOUNT THAT THEY ARE REFERRING TO DOES NOT BELONG TO 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 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/20, someone using my bank debit card number took cash out on an app called " Cash App '' via a mobile device. I do not have the app and did not authorize the transaction. I was notified by my bank ( XXXX XXXX XXXX XXXX ) early on XXXX about this. The person or persons made several transactions on that app. 

!. Cash app {$190.00} 2. Cash app {$100.00} Since I learned about this early in the morning, I called my bank and immediately and canceled my card. The transaction of {$100.00} did not get posted to my account. However, the one for {$190.00} did get posted. My husband and I spent 4 hours on phone calls trying to fix this on XXXX. And today, XXXX, I spent another hour. It was impossible to get through to someone on the phone. We tried 5 different phone numbers and nothing worked. And there was no way to email or do a live chat if we didn't have an account or code number. We then found another phone number and someone was on the phone with us for 45 minutes trying to help us. Unfortunately, we realized later that the person on the phone was not an employee of cash app and we were scammed again. I have the phone numbers that we called and more details if they are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: LEXISNEXIS
State: FL

Complaint narrative:
This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XXXX XX/XX/2020, I inquired with Navient about applying for disaster forbearance due to the Covid-19 pandemic. I did not authorize Navient to put my student loans in forbearance at that time. On XX/XX/2020, I received an email from Navient stating that my loans had been placed in disaster forbearance. The email further stated that my loans would continue to accrue interest at a rate of 3.5 %. This rate is higher than my previous interest rate of 2.275 %. I called Navient on the afternoon of XX/XX/2020 to inquire : 1 ) Why my loans had been put in forbearance without my authorization, and 2 ) why my interest would go up if the loans were in forbearance. The representative and supervisor with whom I spoke apologized for  putting the loans in forbearance without my authorization. I then asked about the increase in the interest rate. They stated that the interest rate would increase because I would no longer receive certain discounts while the loans were in forbearance. The discounts are : 1 ) a 0.225 % rate reduction for payments made by automatic withdrawal from my bank account, and 2 ) a 1 % rate reduction for consolidated loans. I understand why I would not receive the discount for automatic withdrawal. But, denying the rate reduction discount for consolidated loans is predatory. If the interest on my loans only increased by 0.225 %, then they would accumulate {$1400.00} in interest over the 3-month forbearance. If the interest increased to 3.5 % as Navient says, the loans would accumulate {$2000.00} in interest. Thus, Navient would make an additional {$590.00} from my loans. At a time of national crisis, Navient is trying to profit off of the financial difficulties of hard-working citizens. Their disaster forbearance should allow lenders to continue with their previous interest rates or at the very least keep the discount for consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/2020 I called Advanced Financial in XXXX Tennessee, because my loan amount was not going down after my payments. I am paying {$450.00} every two weeks with only XXXXdollars of that is going towards my payments and the {$400.00} is going towards interest. I can not keep paying this amount every two weeks.. My partner has been laidoff due to this virus and Advanced Financial is saying they will continue applying the interest and there is nothing I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi there is fraudulent credit card open in my name and I didnt apply for it and this is the fifth time that this credit card keeps reopen and showing up on my credit report under my name and Well Fargo send me letters and said it will take care of the fraudulent charges and that it will be removed off my credit report but new account numbers keep regenerate like 6 times and they keep sending new cards out under my name and fraudulent charges are keep going through on this card and the account was supposed to be closed and this morning on XX/XX/2020 the account was reported to XXXX  and well Fargo fraud department isnt doing anything to fix the problem knowing that previous card numbers were reported as a fraudulent application

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