vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXXXXXX XXXX and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score. 

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points. 

Please help me solve this. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted PROOF to Experian and XXXX About my Student loans that are reported on my credit history. When I was XXXX years old XXXX XXXX which later filed bankruptcy and sent me a letter of loan forgiveness as a settlement also I filed a dispute with the Federal Government about how XXXX opened SEVERAL loans WITHOUT my permission or knowledge. I discovered the loans only when checking my credit history. These agencies will not disclose or update my history with the ACCURATE INFORMATION I SUPPLIED several times. 

I want the information removed or updated that these loans are a result of FRAUDULENT ACTIVITY. I am XXXX years old these loans happened when I was XXXX and should be removed.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have 3 credit cards with Chase and in the past few months they have lowered my credit limit. I have been at the top of my limit but I have always paid on time and my household has been reduced to one income due to the pandemic and I have never missed a payment. By them lowering my income this effects my credit score. I think during unprecedented times like this big banks should not do this to families and I am curious about the demographic of people most effected by this policy they have in place. I tried to resolve by sending a complaint directly to Chase which they basically said they have a right to to do this because it's in the agreement. I could see if I were missing payments and not paying on time but I have paid on time and in some instances I paid more, they told me I actually penalized myself by doing that. If you are an agency interested in protecting consumers from these legalized loan sharks you should put measures in place to protect us. Because even with my high balances I'm sure if you add up what I have paid, not including interest, it probably exceeds what I actually owe them.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: MoneyLion Inc.
State: CO

Complaint narrative:
I took out a short term loan with Moneylion on XX/XX/XXXX in the amount of {$500.00}, I made a payment of {$100.00} on XX/XX/XXXX and unfortunately defaulted on the remaining balance. I contacted Moneylion on XX/XX/XXXX and made a payment of {$200.00}, and on XX/XX/XXXX, made another payment of {$300.00}. 

Both payments have not been reflected on my Moneylion account and they are not reflected on all my credit reports. Moneylion is reporting this account as a " charge off '' to XXXX, as a " charged off as bad debt '' to XXXX and " unpaid balance reported as a loss by credit grantor '' to XXXX. 

I have called Moneylion several times about their credit reporting and was told that there was nothing they could do about how the agencies report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CL Holdings LLC
State: CA

Complaint narrative:
This letter is in response to your letter on XX/XX/2021 related to the debt referenced above. I wish to save us both some time and effort by settling this debt. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I am willing to pay this debt for {$300.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$300.00} payable to Jefferson Capital in exchange to have all information related to this debt removed from all of my credit files. 

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Jefferson Capital. The letter will be treated as a contract and subject to the laws of my state. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2021-03-15 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TX

Complaint narrative:
On XXXX I sent in credit disputes to XXXXand Equifax. In the disputes I listed the XXXX XXXX XXXX XXXX Account that the Bureaus have listed on my credit profile. I stated in my dispute letter that this account was not mine. As you can see from my attachments, the account info that these 2 bureaus have listed does not match the account that belonged to me. 
Equifax has an account that ends with XXXX and XXXX has an account that starts with XXXX. 
As you can see from the invoice for my XXXX Account the Account number doesn't end with a XXXX and it doesn't start with a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
1. I took a consolidated loan out from XXXX in XXXX. My required monthly payment has always been {$120.00}. The first loan servicer was XXXX XXXX XXXX XXXX That changed to XXXX . XXXX then changed their name to XXXX. In XXXX of XXXX Nelnet became the collector. 
2. I have always had one consolidated loan payment. The last time I received a correct statement from Nelnet of the actual amount that I paid on my loan was the XX/XX/XXXX statement. I have requested several times and have never received the XXXX or XX/XX/XXXX statements. The XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids I paid XXXX, the XX/XX/XXXX statement saids i paid XXXX ; whereas I paid XXXX. XXXX. 
3. I called the company on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX claimed that I had two loans. And insisted I did not know what I was talking about. Nasty and surly. None of these phone calls resulted in the XXXX or XXXX statements. Ever. All of the reps stated that they did not have complete access to the files. Half of them were nasty. I have asked repeatedly for the statements to be sent by mail- USPS , XXXX XXXX XXXXXXXX  so that I have a record, as is my right, yet they continue to email me. The company has sent me 2 emails saying that they called me. My phone log shows that they are lying. No Nelnet phone call or voice message. I have written them 5 times. 
4. I want the monthly statements from XX/XX/XXXX until XX/XX/XXXX, with the correct amounts that I have paid to this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX Credit Bureau XXXX Credit Bureau Creditor : I C SYSTEM/ Original creditor XXXX XXXX XXXX XXXX  Amount : {$780.00} This unknown debt was applied to my XXXX and XXXX  Credit Profile without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was receiving unemployment in the state of Nevada. They issued a debit card to me. It was good for a couple of months, but in XX/XX/2021 the account was emptied ( XXXX ). 
I called Bank of America. They made a report and said this is happening all the time right now. They cancelled the card and said they would replace XXXX provisionally ) the money while they investigate and issue a new card. The two withdrawals were from places that I have never been. I got the new card and continued to make my weekly claims via telephone. When i tried to activate the new card it said it was closed. I called BofA and they said the state froze the account. Nevada Unemployment ( DETR ) has not answered any of the phone numbers available for weeks. The phone goes straight to a message that says they are busy. I have tried everything ... BofA says Nevada is not responding to anyone and blaming BofA. They said Nevada DETR froze the accounts and that only DETR can act to solve the problem. BofA says that 75 % of all of their calls are about this problem right now and the state is doing nothing to get people their money or respond. One person said it is because the state did not want to pay for chipped cards. The old style cards can be " skimmed ''. 
Please help as the State of Nevada including the Governor 's office will not respond. I have also been told that the state representatives are threatening people that are complaining. If this is true, that is egregious!

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: TX

Complaint narrative:
Sent attached secure message to Fidelity Credit Card on XXXX XX/XX/2021, but NEVER received a response ... ...

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 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am concerned with the way the payments i am making or have made are being made on the account. I only make purchases on 6 month no interest or in XXXX of XXXX i started a 24 month special finance purchase that is {$130.00} per month. 
From the beginning of the start of the special finance purchase, that seems to quote the amount that it would have cost had me and the seller not made an agreement on a lesser amount. 
The amount they were asking for as minimal monthly payments were made plus and suddenly what i saw was the payments made were not being placed on the items on the account under the special finance purchases. 
The payments were being placed on one item that is set to expire in XXXX and leaving the items that i was making payments minimal or more to be placed somewhere else and leaving the items that i had six months to payoff to remain with no payment amount being applied to them to come to the point of about to expire. 
An item on the account that was to expire XX/XX/XXXX had a balance of {$57.00} i made the payment of {$58.00} in XXXX before the expiring date. They took the payment and placed put on the expiring item and put the other some where else and when i inquired about the total account balance not matching the total of all the items added up, i noticed that the the amount left unpaid on the expiring item was placed on the total balance and no explanation given has satisfied me and from the way it seems they are not really interested if i am satisfied. 
I have kept up to my end of the agreement to pay off the loans before they expire or make the payment on the one that interest has already been given in the total of payments over the 24 month period. 
The same thing happened in XXXX or XXXX of last year that i called numerous times before anything was done, even had to speak to a supervisor before they did some adjustments but i am not sure if the adjustments was benefiting me since when i asked them to send a layout of how they came up with the figures to make the adjustments, not was given to show this.

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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
I received a summons from a law firm today claiming to represent Crown Asset Management. 

I did not receive a debt validation notice. 

If I had, this matter would have been paid in full. 

I have been on hold with this law office for over an hour and no one will answer the phone. 

How can I pay a debt if no one will take my payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I keep getting billed a late fee per month on no outstanding balance. They send me this every month. It started at {$25.00} late fee for zero balance and continues to come each month with another late fee tacked on. 
Hello XXXX. 
Your total minimum payment of {$200.00} is due on XX/XX/XXXX 2021 Here is how to make your payment : Log into your account online at www.syncbank.com/amazon Call us on line toll-free at XXXX Mail your payment to : Synchrony Bank / Amazon.co Store Card XXXX XXXX XXXX XXXX FL XXXX XXXX If you can not pay this amount please call XXXX to discuss options ans how we may be able to help.

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 2021-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I refinanced my mortgage through my original lender ( Lakeview Loan Servicing , LLC - XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) on XX/XX/XXXX and it was completed in XX/XX/XXXX. I provided my insurance policy ( ies ) information and they were included in my closing package. First, my homeowner policy was canceled due to non-payment, though I had plenty of escrow available. I contacted XXXX  ( mortgage servicer ) and it was resolved and policy was reinstated. Then I was notified XX/XX/XXXX, that my wind insurance was canceled ( XX/XX/XXXX ) due to non-payment. I contacted XXXX again, and they were showing a valid escrow amount, but the title company XXXX or XXXX marked the policy as paid. I learned this after speaking with XXXX XXXX on XX/XX/XXXX. Mr. XXXX advised me to contact XXXX, which I have done twice via VM as they do not actually speak with you, and via email, with no response. I do not believe I should have to resolve this due to the lender 's error. I have tried numerous times since XX/XX/XXXX to contact the lender, but their IVR sends you into a perpetual loop that never connects you with a live agent. This lender has made errors on every refinance I have performed, to include when they violated a previous refi contract where the refi fees were to be rolled into the new principal, but they instead used my escrow to pay the fees and my policies were canceled. This was only resolved after mailing a letter to the CFO. I have 30 days from the date of policy cancellation ( XX/XX/XXXX ) to have it reinstated. Please expedite if possible. 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