vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: SC

Complaint narrative:
Experian, Has gone so far as to imply that I am lying to them. In thinking this they have broken the law because they are wrong and they are not doing the other parts that the law requires them to do even if they think I'm lying. Section B of 605B FCRA, demands of the CRA and it says very clearly to notify the furnisher of the information I am claiming identity theft, and they must tell the furnisher that I have filed a police report that I am claiming a block of imformation in section 605B of the FCRA, And let the furnisher know if they do not block by a certain date the information will be blocked. Because the law tells them they have to do that if I claim identity theft. No ambiguity or choice at all. The CRA-Experian Must do this, regardless of what they wrongly believe. 
Inquiries are infofmation in my file that resulted from identity theft, not fact ... .they are FRAUD and must be removed according to the law.

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 2020-05-10 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: WI

Complaint narrative:
I went to my bank to get a line of credit and they reported a social security is there is not mine as well 2 accounts doesn't below to me. 

I only used a ITIN # to paid and taxes is the only # I used for any bank transaction.I called transunion claim they can't see any account since I have an itin #, but I have the bank report show that information

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 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im really unsure where Experian got the indication that my XXXX XXXX credit card was closed. It is still active, never been late, and the limit was just increased to {$700.00}. Id like them to correct their mistake instead of making me wait 30 days for something that isnt my fault.

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 2020-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX XXXX  receive an email debit card locked. 
XXXX XXXX  immediately because I have the card in my position XXXX XXXX  receive an email you added XXXX XXXX to your XXXX account XXXX XXXX  receive an email you send XXXX XXXX {$2700.00} I am still on hold trying to reach Bank of America because I do not know this person I left work and drive to the bank while still on hold, arrive at the bank had to joint a line to go in the bank due to COVID-19 Finally got in the bank at XXXX still on hold with the Fraud department, explain the agent what was going on and if I should hang up she replies no because I also need the Fraud department. 
The agent assists with the reissue of a new debit card and also changing the online password and had to wait now for an agent to pick up. 
XXXX from the fraud finally pick up explain to her what was going on she said she can stop the payment and place the money back into my account. She places the {$2700.00} back to my account and assists in changing my user i XX/XX/XXXX the money was again missing from my account call the fraud department again spoke with XXXX explain to her again what took place she said the account should have been close once the account had fraud done on it, she then closes the account and file a claim and advised will need to transfer me to get a new account open and once that's complete she will transfer the balance into the new account and the claim should be done within 10 business day. 
The new account was open and balance from the old account transfer, I continue to call Bank  every day advised still working on the claim. 
XX/XX/XXXX at XXXX XXXX  receive email claim denial because the transaction was validated using an authentication code sent to a valid phone number belonging to a signer on the account. I then call the bank to explain that I didn't receive a text-only an email request copy of the text on XX/XX/XXXX Bank of America then send me a copy with 2 texts one at XXXX on XX/XX/XXXX and the other XX/XX/XXXX at XXXX XXXX. why would that prove that I approve transition because at XXXX on XX/XX/XXXX I receive that text to verify looking up my user id and on XX/XX/XXXX I receive a text to verify my identity Bank of America can not send me to prove of any text that was sent on XX/XX/XXXX between XXXX when the money was taken from my account at XXXX WHY would I be getting a text at XXXX and on XX/XX/XXXX at XXXX XXXX. Need some assistance

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 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Im receiving phone calls from XXXX about a debt that does not belong to me and is not even my name. I have told them they are calling the wrong number. They called 3 times yesterday, and just called this morning at XXXX XXXX, Sunday morning, XXXX XXXX. This debt belongs to someone else and this company is telling me information about that persons debt. I asked the persons name this morning and told her I was reporting this company. She stated her name is XXXX XXXX, which Im quite certain is a fake name, considering this person had a very strong XXXX accent. I would like this company fined. Im planning on filing a lawsuit. From what I understand this company will be required to pay {$1000.00} for violating the rules. Especially considering this is not even my debt and they just ruined my XXXX XXXX, and Im a mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
General Business Recovery. This account is closed with a XXXX balance, how can I miss a payment when there is a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX Comenity Bank is harassing me regarding a small credit balance that I owe. I am currently not working and informed them of this. We are going through a COVID 19 pandemic as well and they are calling me from several different numbers and Unknown. The calls are coming in at least 20 times a day over and over. It is very stressful and they are not trying to work with me during this time. 

They have gone added extremely high fees to my account and added it to my credit report. They are commenting and different fees to my credit report every week. 
This is causing so much stress and XXXX. I can't take this harassment anymore and I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have had a student loan since XXXX at 2.125 %. It was unfortunately sold to Navient years back and have been paying {$320.00} since XXXX. 

Then Covid19 came and then student loans were suspended I just received a letter saying my interest rate is now 3.125 % and my monthly bill for the next 137 payments is now {$340.00}. 

This may have been a clerical error on Navients part. However trying to get a competent customer service rep on the phone is impossible even if the situation is explained multiple times. 
In addition if this was an error, how many other errors have they made?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
Inaccurate information on my credit report

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 2020-05-10 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I recently have found out via XXXX XXXX that Navient has added interest to my student loans. My loans are currently in " In-School Deferment. '' I am a XXXX XXXX at XXXX University and interest should not be added onto my loans while I am in school. 

I would appreciate any help with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
Inaccurate information on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
Inaccurate information on my credit report. Please update your records.

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 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
every day staring @ XXXX continually calling and using different numbers including fake numbers with my area code and city numbers. I have answered many of these calls and they are bill collectors and it goes on hour after hour and day after day. I am currently working with a company to handle this and I have told these callers this but they keep calling. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: CA

Complaint narrative:
Inaccurate information on my credit report

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 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY time2. s but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed complaint # XXXX with you about Equifax on XX/XX/XXXX. The result of their investigation was a statement from Equifax on this site that I should call XXXX XXXX XXXX between XXXX and midnight EST XXXXdays a week. I have now called that number twelve times during the indicated hours ( three times on XXXX, three times on XXXX, three times on XXXX, twice on XXXX, and once today, XX/XX/XXXX. Each time I have tried to get a live agent, have heard a message, and then gotten a busy signal. I do not know how Equifax has dealt with my complaint because I am unable to reach them. I don't see how Equifax telling me to call a phone number whose line is always busy is an adequate response. 

The busy signal is not a problem with their phone system or staffing. Today I called Equifax 's " specialty department, '' which answered immediately, but could answer only regarding whether I have monitoring services with Equifax. 

The original problem, since XX/XX/XXXX, has not been solved. I have been unable to log into myequifax.com since then. My previous complaint, with two lengthy attachments, detailed my many hours of efforts since then to solve the problem, including most recently talking with a supervisor on XXXX. 

I will continue to file complaints until Equifax solves this problem. I have no problems with XXXX  or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not unfreeze my credit. If this is not resolved within 7 days it will cost me my mortgage and the {$100000.00} I have invested. MY credit is perfect but experian will not release the freeze. I have called 20 different numbers and mailed in several forms and no response. 

PLEASE HELP ME!!!!! 

Both XXXX  and XXXX XXXX  removed the freeze without any problems.

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 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gragil Associates, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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:
This started back in XX/XX/2020, I pull all of my credit reports to check the discrepancy on my accounts. out of all three reporting agencies. Equifax is the one showing delinquent and derogatory against credit cards that are closed or XXXX years old and should be off of my report. I have called them twice, and email 4 times, and regular mail explaining the situation with proof from the credit card companies. Each time I get a response back saying, they cleared it up or telling me they need more proof of who I am after I forward my driver license and birth records to them, the false information has cause major dilemma in my life. Its have caused me from getting my home. each time I write to then or calls they reduce my credit score. From XXXX XXXX XXXX. to the present. trying to get this taking care of. Would you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
In XX/XX/2020 due to COVID-19 being laid off from job, I made a request for a Hardship. I was told I had to pay the interest. I was sent a deferment form to complete. I refused to sign it because I had asked for a Hardship and was told it was the same thing. I later contact other companies and lenders and was told a deferment and hardship is two different things. I the contacted the corporate office and spoke with XXXX who stated his supervisor informed him that they would do a hardship only if I pay a full month. 

It is my understanding due to the COVID-19 several lenders are giving people 2 to 3 months. Because I refuse to sign a deferment and pay XXXX that I didn't have at the time, I requested a Hardship. Nicholas Financial reported negative information on my credit in retaliation to cause damage. My credit report shows never late over 30 days for the past two years and they are being very inconsiderate due to the pandemic that is happening with borrower. 


The Care Act inform lenders and creditor to remove late fees and not to report anything negative that will effect one credit during this time. Nicholas Financial refuse to comply with the Care Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I received a letter from Portfolio Recovery Associates alleging I owe a debt. The details in the letter are not familiar to me. I called the number on the letter and spoke with XXXX. My plan was to request verification of a debt PRA alleged I owe. XXXX refused to do so with me, claiming she could not verify my personal information. The address I read to her was the same address on the letter that PRA sent to me. She claimed this address ( that the company she worked for sent a letter to ) was not correct and wanted different information. As I do not believe I owe this debt, and I am a previous victim of identity theft, I do not wish to hand out my personal information, especially to companies I do not do business with. XXXX transferred me to XXXX XXXX, an Operations Manager. He also refused to verify the debt with me, he again claimed that the address that the company he works for sent a letter to was not correct, and he refused to verify the debt with me, or put a letter in the mail verifying the debt. I told XXXX I would be submitting a complaint with the CFPB as a result of this phone call and he acknowledged that. The only acceptable personal information to them was my SSN or my DOB. I don't give out my personal information to unfamiliar people or companies, especially information of a sensitive nature. Additionally I found it suspicious that they were not able to verify with the information on the letter that PRA sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I received my Georgia prepaid unemployment insurance Mastercard through XXXX and followed the directions to activate it both at the toll free number XXXX and online at XXXX. On the toll free number they told me that I have a XXXX balance. I tried every option they have on that number and was never able to get resolution or reach a live person. Now it tells me that the card number is invalid. I registered the card on the website and it never gave me a balance but it sent me a XXXX card that also has a XXXX  balance. I would like to get a Georgia UI card that works. It has been a month and I still have not gotten any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Inaccurate information on account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, 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 2020-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co
State: OH

Complaint narrative:
Great American Finance has fraudulently reported a balance due to the credit bureaus, dropping my credit score 47 points and halting the mortgage qualification process Im in the midst of. 
On XX/XX/2020 I was sent a paid in full letter, stating that my account was paid as agreed and closed on XX/XX/2020. Since I paid and closed the account in XXXX I have continued to get statements for a balance due and have called them every time to inquire. They assured me it was an error in their part and would be fixed. On XX/XX/2020 they reported a delinquent acct to the credit bureau which dropped my score and cancelled any chance I have of getting the mortgage I was applying for.

Company response to consumer: Closed with explanation