vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I dispute this information with Navient and they keep parroting back that the information is accurate when it is not. 
In 2017 I called my student loan Federal loan to get IDR. I was approve for IDR and and Navient contact me that they got the IDR. But now Navient keep reporting me as late in from XXXX to XX/XX/2017 and then XX/XX/2017. What is strange about it is that I was current in on XX/XX/2017 and mysteriously Navient report my account 90 days late in XXXX. I disputes this and Navient refuse to correct the wrong reporting. 
Also Navient is reporting XXXX XXXX account that is inaccurate.There is another account XXXX/ Navient which is a duplicates and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2021, XXXX XXXX from XXXX XXXX XXXX XXXX sent me a link to an invoice ( see email correspondence attached ). The link she sent was the wrong invoice, and was in fact a link to an unpaid invoice for a different customer. Not seeing the error, I paid the invoice on XX/XX/XXXX using the link she provided. 

I immediately contacted her via email and let her know about the error ( see email correspondence ). 

I immediately contacted Citizens Bank via phone and let them know about the error. Citizens bank told me via phone that there was nothing I could do until the payment cleared, then I could dispute the charge. I waiting until the payment cleared, then immediately contacted Citizens Bank and filed a dispute for the charge. Citizens Bank did not provide me a claim number.

After not hearing anything from Citizens Bank or XXXX for a couple weeks, I contacted Citizens Bank to check on the status of my claim. I was told that they could not find any record of my claim, but I could enter a new claim now, which I did. The claim number for this second claim is XXXX. 

Today ( XX/XX/XXXX ) I received a letter from Citizens Bank telling me my claim was denied because I waited too long to dispute the charge, even though I first contacted Citizens Bank before the charge even cleared, and again immediately after the charge cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.

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 2021-07-14 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
the following accounts that appear on my credit report are not mine, check them out Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was listed as co-signer for a business lease. During the lease all payments were made on time. At the end of the lease, the business asked Toyota Financial to extend the least another 6 months and remove me ( cosigner ) from the lease. Toyota extended the lease, but did not notify me of the lease extension nor did they remove me as the co-signer. Lease payments were not made by company on time during this period, but it was during COVID, so they were not performing any collections activity during this time. Per the lease contract, section 42, Toyota was supposed to send me notices of delinquency so I could correct the delinquency and make payments. They failed to contact me or send any delinquency notices to my address that they had on file. The only notice they sent during the past due period was a general COVID-19 notice about the resuming of general collections activity. There was no notice that the account was delinquent or active. The other notice I received was on XX/XX/XXXX and I immediately called and was told that the account was current and there was no late reporting. The lease ended in XXXX of XXXX but they did not report the account late until XXXX of XXXX, 9 months after the last payment. I have disputed with Toyota, but they do not have someone that I can speak with directly. Their team can only take my request and then send it to their credit reporting team. They have only come back as " payments were late '' but not acknowledging that I was never given the chance to correct the delinquencies as the co-signer and they do not acknowledge that they did not abide by the contract terms by failing to send me ( co-signer ) deliquency notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
I have several emails saying theyre attorneys and they need to collect a debt to be paid with green dot money card. When I called the businesses to see if I had the debt the businesses said I do not. The attorneys names are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington is https : //www.consumerfinance.gov/still harassing me not to give me my money to fix the rest of my house. The loss department is going against the bankruptcy department, that they do sign insurance checks even though the home owner is under bankruptcy. They still let the home owner have the money back to repair their house. It took 4 months for my insurance to give me this money. My health is also being documented by my doctor 's office. My XXXX XXXX is XXXX and my XXXX is getting worse with the mold smell. They want to keep making up lies that the bankruptcy department told me wrong information. I am not signing the check for them to keep and not send it back to me. Now their new excuse is I'm under bankruptcy why won't sign it back to me. It's just pure harassment sexism, discrimination gender discrimination because I'm a female. I have experienced gender harassment my whole life from mortgage companies. Carrington is being downright cruel and inhumane to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Aargon Agency, Inc.
State: PA

Complaint narrative:
Its being reported by a collection agency that I've been 30 days late on payments. I have not agreed to any form of payment plan with the agency or original debtor.

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 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have repeatedly disputed this inaccurate account with the bureaus and creditor. I am a victim of identity theft and have proven so with all requested documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had an account with this company. My account with XXXX XXXX XXXX what is a credit card account that I opened in XX/XX/XXXX. The account was in good standing for a long time and had a minimal balance. Then in XX/XX/XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to XXXX XXXX XXXX and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to portfolio recovery Associates and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to portfolio recovery associates they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. XXXX  XXXX XXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer 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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since the early XXXX 's, members of my family have been loyal customers of Wells Fargo Bank / XXXX, CA branch and continue to hold a Wells Fargo checking account. Since the COVID-19 pandemic came to California in early XXXX, we have struggled with serious health problems while diligently obeying all California ' '' stay-at-home / social distancing '' orders. Obeying Governor XXXX COVID-19 orders, in turn, forced loss of family employment income that caused unprecedented family financial setbacks. We are not alone since many others also have experienced for the first time in their lives the same COVID-caused nightmares now only further aggravated by the alarming new spread of the Delta variant. 

From the standpoint of XXXX, family members, including me, are considered XXXX XXXX to the virus being diagnosed with XXXX XXXX ( XXXX XXXX XXXX-XXXX  XXXX ) and XXXX  XXXX. One family member, with no previous history of XXXX  XXXX, suffered two different XXXX XXXX last year shortly after COVID came to California. This year just last month, this same family member was hospitalized yet again with a XXXX and no longer has a phone. 
Wells Fargo used to telephone harass this now XXXX senior family member but, since this member no longer has a phone, Wells Fargo now repeatedly telephone harasses me. 
Attached are examples of only seven ( 7 ) of the most recent harassing calls from Wells Fargo. These seven calls date only from Wednesday, XX/XX/XXXX through Tuesday, XX/XX/XXXX, and document that Wells Fargo calls from different telephone numbers and, further, that Wells Fargo never leaves voice messages. ( Thus, I do not know Wells Fargo reason for its harassing calls. ) Recently, I too was hospitalized but with a serious XXXX XXXX XXXX and now am XXXX, unable to XXXX  or XXXX. The overwhelming stress caused by Wells Fargo non-stop phone harassment is causing me not to sleep and prescription antibiotic medicines less effective in healing my foot wound. 

National news reports that Wells Fargo continues to be a struggling bank but this does not excuse Wells Fargo from illegal telephone harassment of loyal customers who themselves are struggling with COVID-caused financial hardships complicated by COVID-caused health setbacks that force hospitalization.

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 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Be advised, validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide original contract and not a copy of it which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Do you have the right to collect on the debt The balance claimed as being due is calculated properly The loan has not been rendered unenforceable due to the expiration of the statute of limitations Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
I am buying a house. I am a loyal customer of XXXX XXXX XXXX for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XX/XX/XXXXsick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. 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 2021-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX  of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am buying a house. I am a loyal customer of XXXX financial services for many years since XXXX. I have leased XXXX each time for XXXX years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XXXX sick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. XXXX of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. 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