vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.

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 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
Repeated calls, all hours, Do not owe anything to this company, not my debt. Don't know why they keep calling. They are threatening me to report to other agencies and damage my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: AES/PHEAA
State: MD

Complaint narrative:
Fed Loan Servicing Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX student with federal Loans are to be forgiven mine werent they wont tell me anything they told to consolidate so I can apply for loan forgiveness I have so much interest that more my loan XXXX XXXX students will get all federal loans forgiven they have closed filed for bankruptcy the school did but navient has not complied with loan forgiveness even on my consolidation listed a different school

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX sales and Lease, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, Department of Education, Transunion Consumer, Transunion Interactive, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

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 2020-04-18 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: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX I had a Best Buy ( CBNA ) credit card, all payments were made on time with the exception of 4 months. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Now being 5 years later this is still showing as a serious delinquency on my account. This has made me not be approved for very important things IE. my fathers funeral loan, getting a house for me and my pregnant fianc, and multiple other attempts to receive a loan for important family things. Best Buy said they can not take a good Will letter and there is nothing they can do. I was XXXX in XXXX now being XXXX Ive been working on my credit portfolio for years, and this is the only thing holding me back. I was unable to make these payments at the time because my mother was diagnosed with XXXX XXXX, I had to leave my job to help her, my father was arrested and served 2 years in jail and they were very hard times. I even talked with the collections agency about this and they were nothing short of rude and unsympathetic. I am really hoping to get this taken off my report after almost 6 years, so I can apply again for my first home to raise my child in and better myself

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 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2020, I closed my Bank of America Checking & Savings Accounts that I opened that week. ( see attachments ) Today XX/XX/2020, I received a bank statement from them as if my bank account is still open. I had already contacted them prior to XXXX ending and verified by phone with a customer service representative in XXXX or XXXX XXXX that my account was closed and no other accounts or credit cards, loans existed. 
I need your ( CFPB ) assistance in assuring that they've not reopened my closed account to attain any services mentioned ( loans, credit cards, business/investment accounts, stocks, healthcare, savings, bonds, etc. ) by using my name and/or social security number. ( See attachments ) FYI : Please be advised that I am not a retired military veteran/spouse or dependant of any such members by these years of my life. I am unsure why your system won't allow me to remove. 
Thank you, 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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Today, XX/XX/XXXX, I was deceived by TransUnion.com. At no moment, the website showed that it was a paid service. The charge to my credit card was at the amount of US {$24.00}. The Transunion.com website just displayed a button " My Credit Report & Score '' without a clear indication that the service was not free. 
Right after registering, I found out about the charge and immediately tried to cancel my subscription. The path to cancel is hidden and not easy to find. After a lot of searches, I was able to cancel the service online but the charge remained. 
I call Transunion but they were not available to resolve my problem. 
After googling the internet, I found that Transunion received a millionaire fine back in XXXX because of this same scam. 
Please, CFPB, help me to get my money back. 
And please evaluate another fine to Transunion but this time a much higher one as the company continues with the same practices. 
Just because of this Transunion scam I lost over 2 hours of my day trying to cancel the charge, without success. 


I tried to call Trans to register on their website

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 monetary relief
Consumer complaint received 2020-04-18 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: MD

Complaint narrative:
XXXX  XXXX XXXX  Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit 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 2020-04-18 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: TN

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, AXXXX, Bankrupticies, Source Receivables violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage Company Since this company has taken over our mortgage processing, they consistently delay processing payments to then show them as late. This has occurred at least 5 times in the last year. The latest payment due for XXXX was mailed XXXX. As of XXXX they had not posted the payment to our account online so we paid it again online to be sure it was not late. Now 4 days later they show it online and show it as posting on XXXX. But since we had paid online ( with an additional fee of course ) they posted it to our account as " other '' payment. They did not apply it to our next payment and they did not post it as additional principal and they have not contacted us. We have been unable to contact them. 
This continues to happen repeated since last summer. Checks apparently sit at there office and are not posted to the mortgage. When contacted they have no answers for why it takes 2 to sometimes 3 weeks for a check to reach them throught the mail and be posted. They seem to be pushing to have us pay online with the additional fee each time. 

Thank You

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 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Today I spoke with XXXX at around XXXX from the number XXXX XXXX XXXX. After identifying himself and stating that he was from portfolio recovery I told him that I didn't care to speak with him but she continued to talk. After reading off his usual spiel and me listening Patiently I told him that I was not interested in talking to him to send me letters through the mail as I had stated many times before. He ignored me and continue to harass me by stating that they were sending letters and I was ignoring them and I told him I had no time to talk to please send me letters and quit calling me. He continued to ignore me until I finally had to answer another incoming call as to where he was being harassing. They have been repeatedly calling me from different numbers with different prefixes like from XXXX area codes all hours of the day and I have to repeatedly block them. I have told them once before a while back to quit calling me with a XX/XX/XXXX debt but they will not cease calling me. This is a coronavirus pandemic and I am suffering from an underlying health condition and I do not want to talk to them about any debts right now I wish they would quit ignoring my wishes and quit calling me, being rude and obnoxious and quit ignoring federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello : The reason that I am writing is I recently received an email from Experian. The email stated that my XXXX score dropped by 5 points. The email did not provide an explanation. I tried to contact this worthless company but they just want to sell me a membership. This has to stop. I cant find any reason that my score would drop. ALL OF MY BILLS ARE PAID ON TIME. I want an opportunity to challenge this decrease but the company doesnt answer the phone and doesnt publish an email address. I wrote to the Whitehouse asking that these credit bureaus be forced to shut down until the economy is open. Please consider how you would feel if I tampered with your 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 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A person with phone service at XXXX XXXX or another phone provider who is not related to me or affiliated with me is trying to steal from my beneficiary account at XXXX XXXX and PNC Bank. I believe that they are hoarding my money in other banks. My phone numbers are XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CO

Complaint narrative:
Hello, I am writing in regards to my relia card through US Bank. 
When I was first approved for my unemployment I was unaware that the pre paid card would look like a solicitation in the mail and I threw away my card. Once i saw on the unemployment site to look out for this card after I received it and threw it away I switched my method of payment to direct deposit. The paid to date number for my unemployment is one payment short. This was the first payment and I believe it's on the relia card. 
I've been calling the customer service number for card holders almost six hours a day for a week. They will not answer and its impossible to get a hold of them. 

Thank you

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 monetary relief
Consumer complaint received 2020-04-18 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: PA

Complaint narrative:
The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX, XXXX XXXX, XXXX 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 2020-04-18 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: TN

Complaint narrative:
The XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Dept of ED/XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: CA

Complaint narrative:
Equifax does not have a currently working customer service phone option and I am unable to log in. I contacted Equifax by email and received no response. 

Equifax is the only credit reporting agency that does not have a direct dispute option that I can access. 

Equifax recently " updated '' my XXXX XXXX that was closed and paid off in full to XXXX XXXX as " late payments. '' This is not the case the account was paid on time. 

Equifax also has a HARD INQUIRY on XXXX XXXX, XXXX by XXXX that was not authorized and needs to be removed. 

XXXX XXXX  XXXX Payment History Changed 100 % 75 % On-time payment percentage as of XXXX XXXX, XXXX On-time payment percentage as of XXXX  XXXX, XXXX It looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
The XX/XX/XXXX status for your XXXX XXXX  XXXX credit card was updated from " current '' to " 30 days late ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
There is a fraudulent debt that was sent to collections and remains on my XXXX credit report. The fraudulent debt is owed to XXXX for {$850.00} posted XXXX XXXX by CCS Collections. I contacted XXXX the debt was for service on an address in Texas, I have never lived in Texas or know anyone in Texas! I filled out all forms and XXXX removed the derogetory mark from my XXXX  report, now a year later the Collections notice is still current on my XXXX   report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: NV

Complaint narrative:
Capital one for 1 year well not take my calls or accept my mail, they sued me and was dismissed I can not resolve this matter or offer a pay off because capital one is u responsive!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We took out a swing loan which was recorded on XX/XX/XXXX ( paperwork attached ). We paid it off on XX/XX/XXXX ( paperwork attached. We received the deed to the prperty on XX/XX/XXXX ( attached ). We received a sales aggreement to sell this property on XX/XX/XXXX. When the title was being reviewed it was brought to our attention that this loan was never properly closed and there is still a lien on our property ( attached ). We require a " Letter of Satisfaction '' from the mortgage company before we can sell our property. The setlement coordinator for our real estate company along with the title processor have contacted the mortgage company with no satisfaction. We have also made the following phone calls : XX/XX/XXXX @ XXXX XXXX  we talked for 43 minutes and were hung up on. 
XX/XX/XXXX @ XXXX XXXX  talked to XXXX for 58 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for 10 minutes without any results ( all mail boxes were full ) XX/XX/XXXX @ XXXX XXXX  talked to XXXX ( ID # XXXX ) for 24 minutes. XXXX requested we fax her the paperwork and she would review and call us the next day. We faxed her the paperwork @ XXXX XXXX. Currently XXXX has not returned our call. 
XX/XX/XXXX @ XXXX XXXX talked to XXXX  ( ID # XXXX ) for 29 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for XXXX minutes to XXXX ( ID # XXXX ). XXXX requested we fax this information which we did later that day. 
The customer service representatives say they have no information or history of this loan. We have also contacted the " Lien Release Team '' of the Mortgage company mjultiple times but have not received a call or reply of any sort. We need this " Letter of Satisfaction '' ASAP as it is holding up our sale. We already missed the first settlement date.

Company response to consumer: Closed with explanation