vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 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: NY

Complaint narrative:
I have contacted navient regarding overpayments on private loans, the most recent onXX/XX/2021. An overpayment of {$0.00} was paid on an account, and adjustment made by navient, which increased the balance of the loan, rather than refunding the amount to myself or applying the overpayment to another loan. At the rate of about XXXX XXXX borrowers, these adjustments, applied to every borrower, means navient is making illegal adjustments to loans enabling them to keep MILLIONS in overpayment " adjustments ''. 

A previous overpayment ofXX/XX/2021 was similarly treated. 

I've reached out to navient several times and have two cases open asking repeatedly for documents addressing the treatment of overpayments, as well as capitalized interest, which has not been applied with clarity over the lifetime of my student loans, and receive little feedback or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
I recieved a response letter from LEXISNEXIS/ACCURINT that stated that they are not required to provide reports to me of the personal information they have obtained through third party sources using my information. I have asked in written notice by mail several time in accordance with the law ( 15 U.S.C 6801 ) for LEXISNEXIS/ACCURINT to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-LEXISNEXIS/ACCURINT refused 2. I have chosen to OPT-OUT of their information selling and sharing platform- LEXISNEXIS/ACCURINT refused 3. Provide me with a complete printed copy of their collection on my personal information-LEXISNEXIS/ACCURINT refused. 
As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by LEXISNEXIS/ACCURINT or any of its third party affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is not my loan. I have the title to the vehicle they claim is being financed. I have spoke to the XXXX there is NO lien on my title. I did not create this loan. Capital one Auto finance has refused to take this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of Portfolio Recovery Associates, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the XXXX XXXX placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the XXXX XXXX, XXXX, XXXX XXXX TransUnion and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of XXXX XXXX, XXXX XXXX TransUnion as XXXX  has " DELETED/BLOCKED '' the account as required BY LAW. 

XXXX XXXX will be held labile for damages for XXXX of XXXX, XXXX of XXXX cause for injure and loss! 

XXXX  and Transunion will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX for XXXX XXXX dollars for this " negligence ''!

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 2021-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have a subsidized student loan account with XXXX XXXX from my XXXX degree at XXXX University. I have been continuously enrolled in graduate school at XXXX University since XXXX  meaning that this loan account is supposed to stay in deferment. However, this past XXXX, XXXX  XXXX claimed that I could not be found on the XXXX XXXX XXXX and removed my account from deferment and started charging interest. I have submitted enrollment verification to them and called them multiple times to resolve this issue. They tell me every time that my enrollment has been verified, but that it will take 2 weeks to process, for my loan to be placed back into deferment and for the interest charges to be removed. This has been going on now for 3 months, and no action has been taken. My loans are still listed as out of deferment and interest keeps accruing, and now they are reporting it as an open account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
credit card account XXXX XXXX account was closed by creditor and charged off the amount was 250 now reporting as 0 in closed accounts but this collection agency portfolio continually keeps reporting it as open with a balance that is wrong and fraudulent. I have tried to get this removed through dispute on XXXX  only and the collection agency portfolio reset the date illegally on my credit report instead of correcting error and removing the information. I want this false information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX there was a XXXX  transaction of {$1000.00} to an XXXX XXXX from my USAA checking account. This transaction was unauthorized. I do not know XXXX XXXX. I was the victim of a scam, Mr. XXXX impersonating several people including a tow-man and mechanic. I called someone out to run a diagnostics on my non-running vehicle and they claimed to tow it to do just that however my vehicle along with my phone, and my credit/debit cards were stolen. This person began making transactions on my account ( fraud ) because he has access to ALL of my personal information and unlocked cell phone, so at this point I contacted the police and filed a police report but not before disputing those charges with my banks. Yes banks because XXXX XXXX also stole money from my other financial institutions totaling over {$2000.00}. I requested several reviews and appeals and even took it as high as the executives office with my dispute and it was still denied. XXXX at the XXXX  office was extremely rude and dismissive of the situation and tried nothing to help resolve so I decided to file this complaint so that banks and XXXX scammers dont get away with stuff like this in the future. As a XXXX mother of XXXX this financially destroyed my family and Im asking that justice be served in this complaint. Please note that I provided the police report information as well and that still wasnt good enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of XXXX XXXX XXXX, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent out disputes letters to the credit bureaus on XXXX different occasions and still have not received any response from the bureaus acknowledging my letters. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not only have I not received any response in the mail, I also have not seen any comments on my credit report which is a violation of against the FCRA.

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 2021-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Loan paid in time and in full. 
Payment has never been late.

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 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Over a month ago I downloaded the app XXXX. A app that allows you to buy XXXX  currency. I gave all the information they asked for. I sent pics of my Drivers license and added my bank account to their app. I began to buy XXXX currency through their app. Ive already invested around {$700.00} with them and they took that money out of my bank account over several transactions. Now a month later, my identification has still not been verified which means I can not withdrawal any of my money. I also cant put anymore money into it. Its absolutely locked me out from doing anything with my money. Ive emailed them three or four times and all I get is automated messages. They will not respond. They are basically holding my money and they should not be allowed to do this! They need to verify my account so I can have the ability to withdrawal my funds if need be or buy more XXXX. Tons of people are experiencing this issue. I seen all over XXXX. I feel helpless. They will not respond to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I had a chargeback on XX/XX/2021 of {$100.00}, and was notified my trading was disabled. I deposited {$1500.00} to cover the chargeback on XX/XX/2021. The website said my trading would be restored in 5 days. 

It is now XX/XX/2021, and I can not access my money. They will not let me withdraw the funds to my bank account, sell, or buy XXXX. I have around {$1800.00} stuck on their platform that they will not let me withdraw. 

I have sent several support tickets, which show up as Solved as soon as I send them. Nobody is looking at the support tickets or responding to them. 

Ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
We previously had a XXXX 's XXXX XXXX credit card that is sponsored by Commenity bank. The bills that were due XX/XX/2021 and XX/XX/2021 were not received in the mail until XXXX XX/XX/2021 due to significant problems with the mail service. The payment for both bills were mailed on XXXX XXXX so the bill for XXXX was definitely not 30 days late because the bank cashed both checks on XX/XX/XXXX. My wife and I called on XX/XX/XXXX when we discovered that the account had been suspended and spoke to a supervisor, XXXX, who was not willing to assist with the situation. We decided to close the account and authorized XXXX to pull the remaining balance, {$33.00}, from our XXXX XXXX checking account. He confirmed in the phone conversation that the balance had been paid in full and the account closed. We received a confirmation of this by letter from XXXX 's customer care dated XX/XX/XXXX along with another letter verifying that we had authorized the transfer of funds. However, on XX/XX/XXXX we received an additional bill for {$510.00} after an earlier verification that the balance had been paid in full and the account closed. My wife mailed the payment but on the same day we received notice from our identity protection that we had received two negative reports at the credit bureaus for this account. This morning we discovered that we had a credit of {$510.00}, the exact amount of the bill. A representative at Commenity Bank, XXXX, provided assistance and agreed that the negative reports were fraudulent and should never had been submitted to the credit bureaus. We requested to speak to a supervisor who after a 10 minute wait refused to speak to us but instead assured XXXX that the negative reports would be removed and that we would receive the amount in credit back in our XXXX XXXX checking account. Neither has happened and my credit score has been adversely affected over what appears to be a malicious act to intentionally damage my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: ProCollect, Inc.
State: TN

Complaint narrative:
As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I get repeated calls from a company called XXXX XXXX ( XXXX ) for a debt they say I owe. I told them the number they are calling is my work number and not to call me. They told me I owed money to someone that I have never received a statement from, or even a phone call from. If money was owed, I should have received some sort of communication from that company. It is that companies obligation to send me a detailed statement of any charges. The people at XXXX XXXX are extremely rude and even though I asked them not to call me at work, they still do. This unfair collection practice needs to stop, and if money was owed why have I never been billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be 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 2021-03-27 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
When i received my credit report I noticed some inaccurate information and there is no information provided so how do they verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I settled a charged off account with XXXX XXXX XXXX credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want XXXX XXXX XXXX to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: PA

Complaint narrative:
XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX NXXXX XXXX XXXX Inquiry date XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : 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 non-monetary relief
Consumer complaint received 2021-03-27 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: PA

Complaint narrative:
XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM XXXX XXXX XXXX XXXX ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXXY XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation