vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: American Enterprises International, Inc.
State: PR

Complaint narrative:
American enterprises illegally reinserted the account # XXXX in my XXXX  credit report on XX/XX/2020. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX requesting validation made pursuant to the Fair Debth Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX, requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XXXX XXXX they sent a copy of statement that does not have any signature of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: FL

Complaint narrative:
EQUIFAX CREDIT FILE : XX/XX/XXXX CONFIRMATION # XXXX I have written via US Mail, Equifax, on more than one occasion that I am the Victim of ID Theft and fraud for many years now. According to Special Agent XXXX XXXX with the IRS Criminal Investigation Division ( CID ), they have stolen my ID and filed fake tax returns and established credit using my Tax ID. 

The following accounts were due to ID Theft : XXXX -Card Services Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, they have to remove the following misleading, incorrect and inaccurate information in my credit file : Previous Address ( es ) : XXXX XXXX XXXX CT, XXXX, FL XXXX Formerly Known As : XXXX XXXX XXXX Last Reported Employment : XXXX ; They have not yet removed this information after months of writing to them to correct the information. I have been at my address for more than 7 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, I've been having a hardship with work and through the time of covid 19. I received my stimulus check and went to pay off my credit card yesterday XX/XX/2020. Payment went through and Capitol One charged me fees of {$11.00} internet fee? So I pay my debt off and they punish me again through this terrible time of struggle. 

Please help me with this situation. 

Capitol one. Credit Card Hit with {$11.00} interest fee after paying off whole card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In mid-XXXX a fraudulent charge appeared on my account in the amount of {$2200.00}. I contacted the Citibank immediately. The card was closed and the fraudulent charge was reversed. The following month the charge was again posted to my account. I spoke with both an agent and the fraud department. The charge was then reversed. The fraudulent charge has once again been posted to my account. The card never left my possession, nor is the name of the individual, XXXX XXXX, my name or even gender. The lack of resolution and constant calls to Citibank are very disturbing and time consuming and show a lack of care and follow-through.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Several references I found and again today, I keep reading and find online, on the internet, this information which I am using as fact and reference and hoping was true AND that each reference to it IS from a very reputable source for information including published in XXXX magazine and as per my previous same complaint made on the matter. So now, I am reading it again and today - " Bank of America '' is offering a " DEFERMENT '' option on loans/mortgages, where nothing states you needed to special in that having a " certain type of mortgage '' with them, when it is relief offered specific to a national crisis and the DEFERMENT option ( of 90 days at least ) which is NOT a forbearance, that of which they offer BUT that stipulates any back unpaid amounts to be added up in total after 90 days to ALL be paid back after the forbearance term and that to be paid immediately at the end of " forbearance '' period, it is not what I can do AND that I called twice to have no deferment being offered to me. I have now seen this information about deferments with Bank of America written and published to the public and not about a specific mortgage product BUT would and should apply to ALL mortgages they service. I am disgusted that I have read this information in many online venues, and it has been now in more than one article about such assistance by form of DEFERMENT and relief to homeowners needed during the COVID crisis. I am yet to be given the " deferment '' option, all I am being told I can get and given is a forbearance - No, I CAN NOT afford to pay any built up balances in full after 90s days and I am not being forced by BOA then to later on after I will have to apply for " loss mitigation '' measures ( this is as per their own advice and words to me ) and apply to " loan modification '' which is a " loss mitigation '' option but it's being forced upon customers when most banks ARE giving a defer payment option for 90 days. This is not fair to people who cant pay their mortgages now and in 90 days from now sure can't pay 90 days added up and all at once in 90 days PLUS the moth ahead. None of this makes sense by the banks own offering and by their own hand. Where is my option for a deferment for 90 days?

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 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I have a secure line of credit with Rushmore Loan Management Services. My credit line, with my house as collateral, is $ XXXX. The balance remaining on this line is now $ XXXX with $ about $ XXXX amount that is not used and remaining. In recent days access to my line of credit was denied by Rushmore for no apparent reason and no prior notice. My line of credit is fully secured with my house which at this time has over $ XXXX of equity. I even did not find out about being denied access to my credit line until they returned a recent check. My original line of credit was established with XXXX XXXX XXXX  and later sold to Rushmore. It seems Rushmore is not a very legit company. I XXXX and found multiple law suites against them with one by a Florida woman who claimed that Rushmore Loan Management Services committed numerous violations of the Fair Credit Reporting Act.

Is there a way out of this? I never thought i would be denied access to my own money specially with a credit score of over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
Hi I have paid off my auto loan with XXXX  XXXX XXXX XXXX in full on XX/XX/XXXX but I see a derogatory remark has been added by XXXX  XXXX XXXX XXXX on XX/XX/XXXX when the account was already closed in XX/XX/XXXX Please help in this matter as this is purely a case of false credit reporting and unethical conduct on part of the lender -XXXX  XXXX XXXX XXXX

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 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I borrowed {$1500.00} from the company. Know as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. So far I have had my account debited for about {$3100.00} and company says that account balance is {$1300.00}. I feel that interest was too high. I went to XXXX bank  and got very little help. They gave me phone numbers, but I've had very little success talking to a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I looked on my credit report & saw it had a student loan on it. I never applied to any college. Or co-signed any loan. I contacted GREAT LAKES in XXXX, Wi. They sent me a fraud package & told me to get a police report. I did so. Now they saying thats not enough. I need this off my credit report. I contacted the school. Which is XXXX XXXX College. They wouldnt give me any information on the student loan that I suppose to have taken out. The account number is # XXXX. Please HELP with this situation. Its having a negative impact on my credit. Thanks in advance. The date of loans started XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
ftc violatons attached please remove them all and the laws that pertain to the violations

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 2020-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
My student loan servicer is Pioneer Credit. I let them know that I was having a financial hardship because my husband was now XXXX and i had small children and i didn't know when i could pay them, they set me up with a payment rehab, but it was an individual one for each of the loans that I had and they told me that that was the only thing that I could do, i did it to try not to damage my credit any worse ... once my time ran out there I then called back and was told that had I not taken the rehab program that I would have qualified for forebarance, but now i don't because i agreed to the repayment option and because i didn't make all six payments for the rehab program that I didn't qualify for that anymore either. I didn't work for 7 years because of his accident and my children. Now i begin working and im going through foreclosure and so i file all three years of my tax returns and i am set to recieve back {$10000.00} and of course they garnish my taxes .... I then call and tell the that money was supposed to save my house and they tell me if i fill out an application and send foreclosure paperwork that they will give me my money back, but i have to do it within 30 days they don't send the papers after a week i call back and the representative admitted that they didn't send the paperwork, but said if she sent it out now i wouldn't get it in enough time to send it back to them anyway ... .. I now can't file my taxes even though we are in a pandemic because when I do they are going to take that again because when i called pioneer to say ok so you have {$10000.00} of my money can i go into repayment so you don't take my next years taxes she says no because you have to set up a repayment plan and you need to pay {$150.00} to begin the repayment plan!!!!! I said you just got a {$10000.00} payment that doesn't count and she says no ....

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 2020-04-17 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: NC

Complaint narrative:
I have contacted this creditors and the credit reporting bureaus on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below were opened in result of identity theft. My information was exposed in 2018 XXXX data breach.

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 2020-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System.

Tried Disputing. 
{$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
ftc violatons attached please remove them all and the laws that pertain to the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
ftc violatons attached please remove them all and the laws that pertain to the violations

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 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Please be advise that this account was recently deleted from my Transunion Credit report due to identity fraud. The account ( XXXX XXXX XXXX # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX  whom apparently has sold this fraudulent debt after being notified from myself and Transunion to XXXX XXXX XXXX. Now this same account with a balance of {$150.00} is reporting on my Transunion credit file with XXXX XXXX XXXX as the collector. There are several violations due to this activity. TRANSUNION is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. XXXX XXXX XXXX XXXX  failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!

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 2020-04-17 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: GA

Complaint narrative:
THE CREDIT AGENCY EXPERIAN REFUSES TO REMOVE NEGATIVE ITEMS FROM MY CREDIT REPORT! THESE ITEMS ARE LISTED BELOW : ( 1 ) XXXX  ( 2 ) XXXX XXXX XXXX XXXX THESE COMPANIES WERE CONTACTED BY ME AND I WAS TOLD BY THESE COMPANIES THAT THEY DID EVERYTHING THEY ARE SUPPOSE TO DO AND NOW IT'S THE RESPONSIBILITY OF THE CREDIT BUREAUS TO DELETE NEGATIVE ITEMS FROM MY CREDIT REPORT. I RECEIVED AN INVESTIGATIVE REPORT FROM EXPERIAN ON XX/XX/2020 AND THE ABOVE ITEMS ARE STILL ON MY CREDIT REPORT. 

XXXX AND XXXX HAVE ALREADY DELETED THE ABOVE NEGATIVE ITEMS FROM MY CREDIT REPORT, HOWEVER EXPERIAN STILL REFUSES TO DELETE THE SAME ITEMS OFF OF MY EXPERIAN CREDIT REPORT AND I HAVE TO ASK THE QUESTION???? WHY? WHY? WHY? WHY? WHY? WON'T EXPERIAN REMOVE THESE ITEMS OFF OF MY EXPERIAN CREDIT REPORT???? 

I HAVE WROTE TO YOU SEVERAL TIMES AND FILED A COMPLAINT AGAINST EXPERIAN AND TO THIS DATE THE ISSUE STILL HAS NOT BEEN RESOLVED! WHY? WHY? WHY? WHY? WHY? 

I HAVE SENT EXPERIAN ALL DOCUMENTS SHOWING THAT XXXX AND XXXX  REMOVED THE ABOVE NEGATIVE ITEMS OFF OF MY CREDIT REPORTS FROM THEM AND I ASK THE QUESTION AGAIN WHY EXPERIAN WON'T REMOVE THE SAME ITEMS????? 

ALL ( 3 ) CREDIT BUREAUS BY LAW ARE TO SHOW ALL THE SAME INFORMATION AND EXPERIAN OUT RIGHT REFUSES TO DELETE THE ABOVE INFORMATION! 
THIS CREDIT REPORTING AGENCY ( EXPERIAN ) IS THE FAR WORSE CREDIT REPORTING AGENCY THERE IS AND FRANKLY I'M SICK AND TIRED OF THE RUN AROUND EXPERIAN IS PUTTING ME THROUGH AND I WOULD EXPECT THE CFPB TO ACT SWIFTLY TO GET THIS MATTER RESOLVED AND MAKE EXPERIAN COMPLY AND DELETE THESE NEGATIVE ITEMS OFF OF MY CREDIT REPORT!!! 

EXPERIAN IS THE WORST CREDIT REPORTING AGENCY EVER!!!!!!!!!!!!!!!!!!!!!

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 2020-04-17 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: PA

Complaint narrative:
XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX CR UNION {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported balance Credit limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX  & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015

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 2020-04-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX  both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how EQUIFAX and XXXX  are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President Trump. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX  as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, EQUIFAX and XXXX  are interpreting and reporting on my credit status.

Company response to consumer: Closed with explanation