vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Consumer victim of XXXX  data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates AMEX and XXXX accounts are fraudulent having met criterion for Mediation program. 

XXXX Marketing of its False Credit Scores to Consumers As direct result, cause of XXXX  XXXX XXXX ; XXXX   XXXX ; XXXX XXXXXXXX XXXX , XXXX ( XXXX ) and dba XXXX XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Consumer victim of XXXX data breach and cyber security attack ; that cause him to suffer from or experiencing now ( Identity theft/fraud ). The identity theft/fraud occurred between XX/XX/XXXX and XX/XX/XXXX. AMEX admits to data breach from employee having committed fraud in XXXX. 
On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX  Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by AMEX employee having committed fraud. As direct result of XXXX   XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX , XXXX ( XXXX ) and dba XXXX  XXXX XXXX ( XXXX  ) and AMEX arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores and false reporting of AMEX accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent  activities ) to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 2nd attempt to get Experian to understand something is terribly wrong with their system. On XX/XX/2020, I paid off my car of XXXX dollars. On XX/XX/2020, I paid off my mortgage of XXXX XXXX dollars and my credit score dropped over 20 points, I went from good to fair. They continue to state keep accounts open. Well, a credit card I can understand that but not a car loan and a mortgage. I want to start the process if attempting to get another home but needless to say this is hindering me badly.

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 2020-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CHALLENGE FINANCIAL SERVICES
State: AZ

Complaint narrative:
My car loan payment was due yesterday. I was laid of from my job 2 weeks ago because of corona virus .I started a new job last week but don't get first check until XX/XX/XXXX .I asked if I could postpone payment .Advised that I had to pay late payment fee by Tuesday XXXX XXXX which would be XXXX Told them I couldn't and when I asked if they would work with me because of situation was berated and asked well do you want your car for free. Extremely rude.Askedto to speak with Supervisor her name was XXXX who reiterated that I had to pay late fee of XXXX but she would extend it until I get paid. My payment is approx XXXX So their late fee is almost 30 % of my payment Many of the other car companies are working with their customer waiving car late fees etc but challenge financial are not doing so at all. I have bad credit and struggled to get a car loan and feel that they are milking the current situation for their financial gain Shame on them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2020 I made a payment to my TJX credit card using the bill pay with my new account, through XXXX  XXXX XXXX. I had made several payments in the past with another account but I had to enter the credit card numbers in again because I was paying out of a new account. The card is black and I mistook the 3 's for 8s and made the payment. The payment came from my account tied to my name and address. The payment never posted so I called them. They saw that the payment was made but said that they would have to do an investigation to see where the money went. He mentioned something about it had paid someone else 's account and told me that I should fix it with my bank. I told him I couldn't because the bank already paid them. He said the investigation could take as long as 2 months and my money would not be returned until they finished the investigation. I have tried several times since to reach someone through thier website but am only able to contact bots.

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 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
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. 

I see multiple 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried multiple times to demand that they send me documents or bank statements proving the information belongs to me or that it is reporting correctly. The verification process demanding proof or evidence has been ignored consistently and repeatedly thus violating my consumer rights and the FCRA and FDCPA when requesting validation of debt. This has been affecting my ability to obtain credit when I most need it which is my current situation.

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 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems refuses to provide information regarding the debt they claim I owe. Beyond that the debt they are attempting to collect is beyond the statues of limitation and is being reported illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: OH

Complaint narrative:
The CARES act allows borrowers not to pay fed student loans until XXXX. For those on PSLF, this period still counts as a qualified payment under the legislation. Despite this, fed loans continues to send emails about hardship forbearance indicating that taking a forbearance makes a person ineligible for PSLF during this period. This is deceptive and contrary to the law just passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card says its invalid when I typed in the card numbers. This card is for my unemployment benefits from the covid19 virus. I need a new card I think. The card may have been compromised as I received an alert through my email.

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 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank advertised their Chase Sapphire Reserved Credit Card would offer up to {$100.00} credit per year in charges related to Global Entry or TSA PreCheck as part of the benefits of the {$450.00} annual fee. 

They honored the {$100.00} credit in year 1 ( XX/XX/XXXX ),  however, didnt give me the credit in second year of card ( XX/XX/XXXX ) even though repaid annual fee. Told me the policy was now only once for lifetime of card. I never received any formal notice of this change and wouldnt have renewed card and paid another {$450.00} ( now {$900.00} in card fees ) for this credit card had I known this. 

After contacting company they will not refund charge and only state current terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX 2017 Hurricane Irma hit Florida. This resulted in a federal disaster area being declared. We had uninsured losses on our property and saw in the media that people could get a forbearance on their mortgage. We decided to look in to this to help us cover our losses. We called Nationstar/Mr. Cooper and they put us on a forbearance program for our XXXX, XXXX and XXXX payment in 2017 and were told this would NOT adversely affect our credit. We were lied to and told the payments would be added on to the end of the mortgage. We found out subsequently this is was not true when we began receiving collection notices and foreclosure threats. They then told us we could apply for a modification. However, at the end of the 3 months we brought our account current. However, Nationstar/Mr. Cooper reported our loan as late payments for those 3 months to the major credit bureaus. It should also be noted that during this " forbearance '' we continued to make the escrow payments on our mortgage so as not let those cause an escrow shortage. Their own website says that " if you do not bring the account current at the end of the forbearance or enter a workout plan to bring the account current, you will be reported as delinquent. '' This implies that as long as you bring the account current, which we did there would be no adverse reports to the credit bureaus. I have tried disputing this with the lender and the credit bureaus and every time the lender says the info is accurate thus continuing to show late payments on our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: IL

Complaint narrative:
Equifax is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with Equifax still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried multiple times to dispute my bankruptcy report being remove from XXXX TransUnion and XXXX  due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.

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 2020-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
Hello currently it states that I owe {$58000.00} on my student loan. However at the time of my student loan the maximum amount that I was allowed to borrow was up to {$18000.00}. Somewhere along the lines I have been scammed & fraud. When I try to contact My Fed Loan.org they transfer me to / give me a disconnected phone number. They said that I need to talk to their consolidation department ( which I have tirelessly tried to find and most likely doesn't exist. ) I don't know what to do from here. I looked at my loan disbursements and the majority of them are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: NJ

Complaint narrative:
In XXXX, I called Navient regarding a forbearance ending because I was told for the {$50.00} per loan fee, I could have a year long forbearance which wound up ending 3 months later. When I called again, I was told that representative misspoke and forbearance can be a total of 12 months over the life of the loan and I had used 9 months before that. I was able to go on a 6 month payment plan with a payment withdrawal date on the last business day of each month which was to end the last day of XX/XX/XXXX. I kept getting late notices and was told it's because the last day for payments is the XXXX of the month even though I was never made aware of this prior to the late notices. Then, XX/XX/XXXX I get multiple messages from Navient one of which claims I am 100 days delinquent which is not true based on the 6 month payment plan I was on and the fact that they debited the agreed upon amount every month as scheduled. This has now been reported to the credit bureaus which is ruining my credit when it is not possible that I'm 100 days delinquent. They refuse to help and don't even give consistent answers and refuse to even look into it simply stating my account is delinquent and has now been brought current with a new payment plan, one that I never authorized, and I asked the borrower on the account, but she did not authorize it either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with XXXX still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.

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 2020-03-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS

Company response to consumer: Closed with explanation