vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XXXX filed bankruptcy which has made my degree not valid. I have been denied jobs because of this. I have filed a compliant with the Department of Education Borrows XXXX but the case is still pending. I am trying to get assistance with having these loans forgiven based on Case No. XXXX XXXX XXXX. XXXX. ). These loans are also reflecting on my credit report which has a negative impact on my score. Please let me know what can be done about this matter. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Reports are showing accounts being update on XXXX and XX/XX/XXXX when accounts were closed and discharged on XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi. I'm trying to get a home loan processed. There is a freeze on my Experian credit report ( done by me previously as a response to an online data breach ). This freeze is preventing me from getting a mortgage. Experian is un-responsive both online and by phone to help me remove the freeze. On the phone I get hung-up on before being able to talk to a human being, and online I am unable to login to my account do to a website error. 

I'm looking for a lawyer which can help me remove the freeze, but thought it prudent to also file a consumer complaint. Unfortunately Experian doesn't let you talk to a human being as an individual, this is my last resort.

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 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: NH

Complaint narrative:
The XXXX XXXX XXXX XXXX NH has posted a debt collection of {$710.00} dollars to me regarding a health club membership since XX/XX/XXXX. 2020. Me XXXX XXXX had called them to say I had lost my debit card and to stop charging my account and to freeze my membership while I was out of state.. and they said that they would and when I had returned home I had called and they said I owed XXXX I tried to work this problem out with them multiple times saying I told them to freeze my membership and they were attempting to charge a card that was deactivated. I had many staff workers tell me they were not charging my account and that there was nothing they could do very rudely and not professional so I am submitting this because I had stated to them multiple times over phone to freeze my act because I was out of state and lost my debit card and they did not comply and were charging me for services I asked to stop receiving for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: WA

Complaint narrative:
XXXX account XXXX This company wrecked and destroyed our lives to pay off an organized crime scheme involving XXXX XXXX  and fraud at the US/MEX border in XXXX. 

They have ruined our finances. They have stolen what we worked for. They have treated XXXX XXXX  as a joke.

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 2021-08-18 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: IL

Complaint narrative:
XXXX5 U.S. Code 1666b.Timing of payments U.S. Code Notes ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-08-18 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:
15 U.S. Code 1666b.Timing of payments U.S. Code Notes ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, Bank of America notified me via text of 4 charges to my credit card ending in XXXX and asked if I had made them. I responded immediately to let them know I had NOT made these charges to protect myself from being a victim of this fraudulent activity of which I had no knowledge. As a result, Bank of America closed this account and reopened it with a different number ( ending in XXXX ). I thought the problem had been nipped in the bud and resolved by Bank of America 's fraud department. 

Unfortunately, on XX/XX/XXXX, Bank of America notified me on their website and via letter, dated XX/XX/XXXX, my dispute of this fraud claim had been denied based on my " account history '' and " information from the merchant. '' Although I have NO knowledge of these charges, including who the merchant is and what was ordered, I do know there have been NO SIMILAR CHARGES, totaling more than {$700.00}, to my account with Bank of America or ANY other credit card issuer. Likewise, I did NOT receive ANY merchandise at my home which could have been linked to these significant charges. 

The only information provided by Bank of America about the charges indicates they were placed on XXXX. I have ordered hundreds of items on XXXX in the over 20 years I've had an account with them. For obvious reasons, EVERY one of those orders has been placed through my XXXX account and I am unaware of any other way to order something from them. A review of my XXXX account history shows my last purchase was made XX/XX/XXXX, more than 2 weeks before the fraudulent charges Bank of America is trying to attribute to me. 

I have attached copies of the original texts from Bank of America notifying me of the fraudulent charges and my response to them verifying I did not make them. I have also included copies of my online Bank of America account showing the initial pending charges XXXX on XXXX ) and their reinstatement ( replacement XXXX ), along with the letter from them denying my claim. Finally, I have included a copy of my XXXX  account showing ALL of my purchases for XXXX ( with some personal information redacted ).

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 2021-08-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Reports are showing accounts being update on XXXX and XX/XX/XXXX when accounts were closed and discharged on XX/XX/XXXX 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: GA

Complaint narrative:
On XX/XX/2021 Equifax mailed me a document stating that the fraudulent inquiries were removed however instead of removing them, the duplicated the inquiries. This against the law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My checking account at u.s. bank was closed on XX/XX/2021 causing a payment I made previously to bounce leaving me with a penalty for the bounced payment. In the days leading up, my checking account was blocked from making transactions without prior notice and I found out when I was at the store making a purchase with people waiting behind me and my card kept getting declined even though there was enough money in my account. When I went to a branch office I was told to submit my social security card to unblock my card and I did so and they faxed it over to another department, but my account was never unblocked causing me to not be able to make purchases or withdraw money for an extended period of time. Then my checking account was closed. 

My credit card account was also later closed on XX/XX/2021 and they are not allowing me to go pick up the secured payment I used to open the credit card account. I believe my account was closed for discriminating reasons. Ive tried contacting the bank multiple times to get a reason and they are unhelpful and rude and they transfer me to multiple departments without ever giving me an answer. U.s. bank in my experience is not a good bank and they discriminate and are XXXX towards XXXX American people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I had an account with XXXX XXXX and after the account was cancelled they sent it over to I.C Systems. Which I then made payment directly to XXXX for the past due amount of {$240.00} on XX/XX/2021 to keep the bill from reflecting on my credit report. Which XXXX did not send that over once I paid. The collection company told me it was my responsibility to make sure they were notified that the bill was paid. But they sent an electronic request to XXXX for this matter. When they reached out to XXXX they contacted the wrong department for this account information. 
So when I received a letter stating that the bill still had not been paid, I reached out and they informed me that if was job to make sure they got information again. Which I called XXXX and after getting to the right department they said no I paid this account back on XX/XX/2021 and sent it over. But XXXX did not send the court date, and I C Systems are still telling me it's not their jobs to verify the correct information, and that I will need to wait for it to be removed my credit report or trying disputes with the credit bureaus. Which I do not feel that it is my job to go through all these hurdles when the company could make a few phone calls to resolve this issue.

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 2021-08-18 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:
Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with Trans Union and XXXX  and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.

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 2021-08-18 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: LA

Complaint narrative:
Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with XXXX XXXX and Equifax and both companies have ignored my complaints & is continuing to report this fraud activity on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: GA

Complaint narrative:
I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX- {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} XXXX  XXXX- {$44.00} XXXX XXXX  XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXXXXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Thank you for taking the time to help out with this matter. I have been a NAVY FEDERAL CREDIT UNION member for more than 5 years and It saddens me that I may need to close this account due to my human rights and as a consumer, infringed on. I have asked NAVY FEDERAL to provide me with my ORIGINAL negotiable instrument, yet I was sent copies. I have sent a NAVY FEDERAL number certified letter, with return green slips. All have come back ; still no response. The goal was to find, verify and validate my current agreement, making sure I am paying for something that is not a tax or interest incurred, or my contract being sold days after my purchase. My negotiable instrument has been destroyed confirming with a NAVY FEDERAL representative phone call in XX/XX/XXXX. I have waited longer than three months for a response. While I wait, I still am faced with damages considering fraudulent reporting to creditors, stopping any transaction that needs my credit report. NAVY FEDERAL continue willingly ignore me, FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, to not update inaccurate information on my act and to third party credit bureau 's, failed to respond to ALL of my letters, FCRA Section 611 Part ( A ) ( 1 ), and continue to misrepresent themselves and power. FDCPA Section 809 ( b ), FTC opinion letter XXXX  from XXXX. Under 15 USC 1692A, B, C, D, E, F, G, AND, J were broken. All in all, as a consumer my rights are still being infringed upon, my financial standing has taken a toll for now the worst due to this negligence.NAVY FEDERAL continues to claim they are the true lien holder, I have claims and evidence that I have no liens against my name. 
The solution I am demanding is back pay of lost finances, taxes, and interest incurred on my name from trades on my name, total closing of my account as well as my vehicle loan. on said account or totaling my loan out to XXXX $ as well as refund of all taxes, interest, incurred from trading on my name, IMMEDIATELY.

I thank you for your time. 
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 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
At the end of XXXX and beginning of XXXX, I loaded money onto my chime card to pay bills and go on a summer vacation. The same day as my flight and my last deposit I got an email saying my accounts where closed because I violated deposit policy. I had a spending, saving, and credit builder account. I was under the impression that the more I used my credit builder account the more my credit would improve. So I made many/ if not all transactions with this card. I got mixed messages from chime saying I would be refunded then I would not. Most recently they are saying they are only refunding a fraction of my total balances. Theyve asked me to verify the funds I deposited and I did. But Everytime they email me its a different agent who repeats themselves. I need help. I do not want or will never do business with chime again, I just want my ALL funds back!!!! I am a XXXX  parent XXXX XXXXXXXX  and they should be ashamed taking people money like this. Where is the justice in these big companies taking advantage of low income people?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: OH

Complaint narrative:
Respected Director Kindly dispute and remove this account immediately from my credit report as I tried multiple times to pull it off and I was a victim of identity theft as my car with multiple items and documents were stolen in California XXXX XXXX. Please I urge and request you I am a diligent XXXX  and in crisis to get an apartment before so Im unaware and please remove and dispute this immediately from my report and close it

Company response to consumer: Closed with explanation