vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a 100 % XXXX veteran. 
Navient the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted Navient they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that Navient was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted Navient by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at Navient that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Please update this inaccurate information. 

Account # : XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX Code : CoXXXX Responsible in Case of Default Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$92000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
In XX/XX/2019 I closed my bank and credit card accounts I had with XXXX. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with XXXX. I submitted a dispute through experian and XXXX claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents XXXX provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XXXX of 2019. I can validate all of this information with documents that suntrust provided to my experian account.

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 2021-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: IN

Complaint narrative:
My son passed away in XXXX of 2021. He had an account with Direct Express for his social security XXXX. Im his mother and submitted all the legal paperwork to receive his balance. They reached out to me in XXXX and gave me a ticket number. Ive called several times and emailed with no resolution. I get a email that says someone will be assigned to me but they never follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I did agreement with the mortgage company to skip three months of mortgage with the amount of {$2700.00} Each total {$8300.00}. XX/XX/2020 XX/XX/2020 XX/XX/2020 the agreement is I will pay those three payments when I refinance my house or sell my house they put a Lean on my title Our agreement not to report me to the credit report as a delinquent they did I had to go through XXXX with them to remove the delinquent and they did fix it Im trying to refinance my home they violated the law with a written request to give me my payoff and timely matter then I find out the three payments Being five or six payments equals XXXX some change they deleted my refinance so I could stay with them and pay high interest rate they gave me a full speed off about that three payments I escaped and Im still battling with them they dont wan na listen

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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There was a {$350.00} transaction paid by my XXXX  XXXX XXXX credit card through Paypal on XX/XX/21 which went onto dispute. 

The dispute continued with XXXX  XXXX XXXX XXXX process and a full refund of {$350.00} was issued on XX/XX/21. 

Paypal issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 Paypal reversed the {$140.00} temporary credit from my Paypal account instead of the credit card account. XXXX  XXXX XXXX made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. XXXX XXXX XXXX says it's Paypal 's issue and Paypal says it's XXXXXXXX  XXXX XXXX XXXX issue. 

Someone needs to re-issue the {$140.00} credit back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I applied for refinancing with my current lender, Caliber Home Loans, on XX/XX/2021 and was approved on XX/XX/XXXX. XXXX XXXX was my broker and XXXX XXXX was my processor. All requested information ( credit check, pay stubs, etc. ) was submitted by me in a very timely manner. When any changes were updated, all closing disclosure documentation came back with additional fees that were not agreed upon originally. Throughout the following months, they kept asking for other updated information which was supplied. The rate lock and closing kept getting extended over the next 4 months. The last incorrect closing document that I received was on XXXX. Then they required yet another credit check. I stated several times during this process that I have been paying them each month on time for over 8 years with never a late payment and I would rather not go through the hassle of unfreezing my credit once again when it is excellent to start with due to their delays. XXXX XXXX refused to move forward, asked me if I am refusing to supply them with yet another credit check, attempted to coerce me into stating that since I am choosing not supply another credit report, that as a result I would be terminating our agreement. I find this is highly suspicious and abusive activity from my mortgage company. I can only speculate that the motive for this type of behavior was to receive higher interest rate payments from customers for as long a period of time as possible when they quite possibly had no intention on closing at all. 

I have since refinanced with XXXX within XXXX weeks with nearly no effort which should discredit Caliber 's so-called concerns over my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX XXXX and Transunion XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX XXXX Account XXXX, XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Transuninon and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.

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 2021-10-11 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:
I have been dealing with fraudulent charges on my Experian account for quite some time. I have mailed them my affidavit since XX/XX/2020. It's taken almost a year. They have not removed the 3 accounts.. They just left them on there even though they are not mine. I also told them that them and XXXX are reporting late payments on my mortgage and I have never been late. They continue to ignore these problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: NC

Complaint narrative:
Spoke to XXXX XXXX (? Inaudible gave me XXXX XXXX at end of call ) XX/XX/2021. Asked for paper copy of debt owed. XXXX stated they could only send it out within the state of Washington. Siggested we mail to third party in Washington and have it forwarded. It is my belief that a discharge amount of {$210.00} ( amount originally owed ) has had interest applied to it until it's amount of {$610.00} owed today. I have a fiduciary and this amount can not be paid unless appropriate paperwork is given to her or me. The original bill was paid by the XXXX XXXX people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On numerous occasions, I've asked a Wells Fargo " banker '' why I can't get a credit card? I get one or all of these answers : 1. My credit score is too low ( it's XXXX ) 2. You have too many inquiries ( most from Wells Fargo ) or applications for credit ( they look for how much credit I'm taking on ) but they NEVER ask if it's me! 
3. You have to prove you want one by increasing your credit score This absolutely infuriates me as I have ALWAYS had a credit card and have never before been denied one until I transferred my banking to Wells Fargo.

There are also several areas within their online banking process that requires the use of a cell phone! Since I can't as yet afford one, I asked how they accommodate those of us who do not have a cell phone. Their reply was : get a cell phone!

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 2021-10-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry Date of inquiry XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/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 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by Portfolio Recovery Associates , LLC ( a collection agency who purchased someone's debt from XXXX ) regarding a delinquent XXXX credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from XXXX credit from XX/XX/20 with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I lost my job in XXXX, and fell behind in the mortgage, until XXXX, when I became employed with ups. I am still with XXXX, making an awesome salary, and Wells Fargo lied to me, told me that I would qualify for so many programs for modifications, etc. My loan fell in the cracks, and they threatened foreclosure. We took them to court, we were put into a mediation program, and Wells will not work with us. My lawyer has fought and we won all 3 times in court. I had to file a Chapter XXXX in XXXX because I would've lost my home. I have had my home for 29 years, and I have never dealt with such a heartless company that did not want to help in any way, shape or form. They have cost me thousands of dollars with court fees, my well being, etc. We have won in court 3 times, and now, I can not refinance anywhere because they will not re-instate my mortgage unless I pay XXXX dollars.

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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Family Financial Care, Inc.
State: NV

Complaint narrative:
Every time I call them they say ask the last payee and she's not getting to me she told me about her house and I don't have no money my Social Security check is going there

Company response to consumer: Untimely response
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
RE Order # XXXX Order Date : XX/XX/2019 Washing machine and dryer purchased from Lowe 's via credit card application. 

Delivery was initiated on XX/XX/2019 Delivery was declined by the customer. 

Return successfully processed by Lowes, see receipt attached. 

Lowes continue to report falsely to my credit report, I investigated and discovered that the refund was processed to a different MASTERCARD THAT DOES NOT BELONG TO me. 

As far as I am concerned the refund was processed to the same card it was charged from, this problem has nothing to do with me, Lowes should carry out a detailed audit to get to the root cause of this discrepancy and stop reporting falsely on my credit report this is negligence and incompetence on Lowes path. 

My next action will be with the Court of Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief