vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED 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 2020-07-08 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY 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 2020-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient provided an incoherent response. Navient did not respond to any of the issues raised and only admitted to not properly handling the servicing requirements provided by the Department of Education. Navient also admits it fails to follow Federal law with proper payment allocation. 

Navient is failing to take the correct accounting of the payments. Navient stole the payments made for the next month and misapplied them to what they term as " Unpaid Interest, then to Unpaid Principal. '' THIS IS INCORRECT as all interest payments and principal are current. 

The total due for XXXX is {$280.00} the total paid was {$500.00}. 
The total due for XXXX should have been {$100.00} the total paid was {$320.00}. 
Therefore, total due for XXXX should be {$100.00} AND WITH NO UNPAID INTEREST AND UNPAID PRINCIPAL AS EVERYTHING HAS BEEN AND WILL ALWAYS BE CURRENT. 

Proper allocation of payment to account and thus an amount due for XXXX for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CO

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$12000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XX/XX/XXXX These accounts need to immediately be removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.

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 2020-07-08 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:
Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.

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 2020-07-08 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:
Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CA

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I've been complaining about National Credit Adjusters for nearly 4 months. They have not even attempted to resolve this issue. The collections just sits on my credit profiles. They refuse to remove it. They don't have an interest in really verifying the debt. They're only interested in making a profit from the debt that they purchased. Horrible and unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I requested for a removal of interest fees when I wasn't able to pay my balance in full. My history of payment will prove that I was paying my balance in full until this shelter in happened that caused me to lose income and could not afford to make payments in full. Though I made some partial payments during those months and finally settled it last XX/XX/XXXX. The only balance I have now is the {$12.00} which is the amount of 2 interest charges for 2 months. That is the only amount I am requesting to be removed. I called TJX REwards / Synchrony Bank but did not give me any consideration.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was very pro-active while current on my account and called Capital one in XXXX during he pandamic. They defered my payment, but wasn't clear about calling everymonth again to do this. I didn't call the following month due to the health crisis and was charged late fees and they reported the missed payment to the credit reporting agency. I called them almost a month ago to ask why they would charge me late fees and be so unsupportive unlike other banks. They said a senior manager would call me, she finally called me today on XXXX, and said sorry we will not waive the late fee or contact the credit agencies. I kept explaning that i didn't miss my payment on purpose and thought it was deferred, so i should get the fee waived and fix my credit, she refused. They are very uncooperative and have charged many innocent victims late fees like this during covid times and take advantage of people loosing their jobs. This is a very serious incident that should be followed up more with capital one. I have included their fake website that shows a link for covid, but when you click on it, it opens a general customer service page, nothing related to covid, where customers can't respond quickly on a form to email a specific address to email. All other companies have a form to fill and send online, they make it very hard to do this and charge you fees very fast.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC will not allow me to connect to my XXXX XXXX account. I called they said t was fine but XXXX XXXX site says pnc wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Was in the hospital for a XXXX XXXX for 5 days I have XXXX and XXXX secondary insurance I did not know I would have to pay out of pocket for the 5 day stay in the hospital.I got a bill for {$810.00} I am a senior citizen on a fixed income and started to pay {$20.00} a month to XXXX XXXX XXXX in Florida got the bill down to {$690.00} and they sent a remaining account balance due statement that I should pay a total of {$120.00} total amount due. I paid the {$120.00} in full to XXXX hospital. I have all paper work and a copy of the cancelled check I sent.. 

In XXXX or XXXX a get a notice of debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX that I owe {$780.00} for my XXXX Hospital bill what should I do about it??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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: CA

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my 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 2020-07-08 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: CA

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my 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 2020-07-08 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I was the XXXX  XXXX  for my mother, who had become very ill. I took care of her for approximately 2 months. My bills have fallen behind and I reached out to my creditors, who have worked with me, offering payment deferments, waiving of late fees, interest fees, and not reporting negatively to all credit bureaus with the exception of Fortiva. I reached out again on today, XX/XX/2020 to Fortiva and advised them that I am continuing to experience a financial hardship and if they can please work with me. I advised Fortiva that my XXXX, XXXX XXXX, in XXXX, GA whom the card was used for, is closed until further notice and they are not sure when they will reopen and my XXXX   isn't seeing patients at any other locations, until further notice. I have had to go 4 months without having my XXXX  XXXX, understandably due to the pandemic yet. I inquired of Fortiva if my late fees could be waived and payments deferred under the Cares Act of 2020. The representative advised that they can not waive my late fees. They will extend my next due date to XX/XX/2020 but until I bring my account current, the late fees will remain and I will continue to get charged such fees, including interest. Once I am able to pay this card off, I will never use Fortiva again. Be aware other consumers, if you experience an unexpected financial hardship, this company has no sympathy. I am also a XXXX  and XXXX Veteran of the United States XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
My first payment was due on XX/XX/XXXX in which I mailed the check, however their practices are that once they receive the check they dont post received on account until it clears the customer bank account which made my first payment be in default. This is now XXXX and the sent a request to the dealer to buy back the loan. After several calls to finance company and dealer they were not being truthful on recorded lines except XXXX the manager of XXXX who was on vacation. This is not the way this should work for the customer. I have recorded calls as well and email communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX  XXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
TRANSUNION fail to verfiy items on my credit report. i sent 2 dispute to them

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 90-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.

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 2020-07-08 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Received several phone calls today from two different numbers. Informed them the matter was in bankruptcy over a decade ago, that Ohio statute of limitations for the debt was 6 years and to please remove me from their list. She became became abusive, told me not to open any more credit cards and called me a 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 2020-07-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} DTEDXXXX XXXX {$820.00}

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 2020-07-08 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} DTEDXXXX XXXX {$820.00}

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 2020-07-08 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: NC

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TX

Complaint narrative:
I have disputed this account with XXXX XXXX DBA XXXX XXXX DBA XXXX XXXX  with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.

Company response to consumer: Closed with explanation