vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020, I filed a complaint with CFPB against Transunion Consumer Reporting Agency and XXXX XXXX XXXX XXXX for reporting fraudulent and incorrect information after multiple dispute whereby Transunion did not correct and XXXX was aware that they did not own the account for which they were reporting. 

The response from both XXXX and Transunion was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with Transunion when no new negative activity had transpired. I reviewed my report tonight and noticed that XXXX still shows on the Transunion Report. When you show the three bureau report, you can see that XXXX does not exist on XXXX or XXXX but it is showing on Transunion with balances. In addition, Transunion is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that Transunion is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because Transunion will not correct the program and XXXX is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH TRANSUNION AND XXXX 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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This company put incomplete information on my credit report -XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, XXXX score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under XXXX but have not make good on it, and my information is being hacked but they have not done one thing about it.

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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MI

Complaint narrative:
EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.

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 2020-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: IL

Complaint narrative:
I am a federally protected consumer and XXXX XXXX has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Dear Sir/Maam Subject : To look seriously into the harm caused to my life, by this huge student loan, which supposedly meant to help, not harm! 
When I graduated from XXXX college of XXXX, I didnt know life will become such a mess, even after working exceptionally hard for years, without vacations .My Navient student loan has only increased ( {$140000.00} ), not decreased! the interest keeps adding up. 
I have worked on Saturdays, even Sundays in my first yr, treated patients sent away by other drs, was paid much lesser than a male colleague, drove in snow storms, tolerated discrimination at workplacebut never stopped working since I graduated, just because I always had the huge burden of student loan. 
i also accept Medicaid patients all the time, which very few drs accept.i have worked in rural area for yrs now, so poor patients dont have to drive far to nearby cities. 
I am also head of household, which has made life even harder.Everytime I went to apply for house loan, or business loan, my application was rejected due to this student loan. 
so, I kept wasting money towards house rent for yrs.and everytime, I had to move, it was expensive, & I had to startover again & again. 
i also kept working at much much lesser salary, than what I could have made, as a business owner. 
Since, I could not get a business loan, to startup business in a good location, I invested whatever personal savings I had, into a very small business venture in XXXX. Which didnt workout, due to wrong location of business. Finally, I ended up doing bankruptcy in XXXX, which did include the Navient student loan.but this loan was never discharged? and I am still struggling because of this. this student loan totally ruined me from growing financially, for years now! 
I dont have any late payments in my credit history, but it was the this huge Navient student loan, that stopped me from progressing towards a better life for myself, and my family.its been very depressing and frustrating journey.it has left me unprepared for retirement, or without any significant savings at this age. 
So, this loan didnt help me at all.infact, it only ruined me financially, emotionally, and socially. Because, I didnt even own a house till XXXX.This loan is still at {$140000.00}, the interest keeps adding up. 
I have already struggled my entire golden years, trying to pay it back. I dont know what else to say.what more can I do, or how much more can I suffer? what else Navient wants from me? to me, it a mean organisation, ruining lives of young professionals, who could have achieved much more, and given back so much more. 
I humbly request you help me get this loan forgiven /writtenoff.i have no other choice. I tried very hard. 

Thanks XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I keep have hard and soft inquiries on my credit report and I'm not authorizing them. I am in the process of trying to fix my credit in this is not help with all these inquiries

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 2020-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
Bay Country has been calling me using abusive and threatening language.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX inquiry shows on my personal credit report dated XX/XX/2020. This inquiry was not authorized. Information is incorrect possibly belonging to someone else. Also show 's I have account opened with this company. Wish to dispute that as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud.

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 2020-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have Chase account for more than 7 years and I use my debit card with a pin in my purchases, I order a vitamin and pay XXXX with my card and pin that is the only authorized payment. to my surprise this company charges me again XXXX on XX/XX/XXXX and I went to the bank in person and cancel the card, they told me that I am not responsible for the unauthorized transaction, they cancel the card and send me a new one in the mail. 
With the new card, I never order anything else. Chase give me the money back to my account and to my surprise again on XX/XX/XXXX Chase charge me the total amount of the unauthorized transaction of XXXX and they put my account in negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX account shows on my personal credit report. Wish to dispute this item as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud as I am a previous victim of identity theft.

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 2020-11-29 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: KS

Complaint narrative:
I keep trying to dispute a account which has been paid with experian and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well

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 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I keep trying to dispute a account which has been paid with XXXX  and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well

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 2020-11-29 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: KS

Complaint narrative:
I keep trying to dispute a account which has been paid with XX/XX/XXXX and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
In XX/XX/2020 I noticed hundreds of small purchases on my Discover card amounting to approximately {$1300.00} made to XXXX. These charges vary in cost from {$1.00} to {$50.00} at a time and were made between XX/XX/XXXX and XX/XX/2020. I did not make any of those charges and no one else has access to my credit card. I alerted Discover customer protection services, who initially refunded the purchases. I also contacted XXXX who stated that there were no charges on my XXXX ID or the current form of payment attached to my account, however my card ending in XXXX ( which had been previously closed for fraud in XXXX of 2020 ) had been compromised and was in use by 7 different accounts. Those accounts were closed for fraud and my credit card ending in XXXX was barred from ever being used on XXXX again. They would only be able to provide a merchant refund for approximately {$190.00} of the purchases and the financial institution would have to refund the rest. The next month credit card statement showed they had reversed the refund and returned the charges to my account. I have since provided information from my XXXX account showing no purchases adding to that amount as well as the case notes and phone recording ( which was too large to attach to this complaint ) from my initial discussion with the XXXX representative yet Discover will still not accept my fraud claim. Discover wanted a list of what charges XXXX is considering fraud however I have also provided written documentation that XXXX can not provide that to me since none of the charges were associated with my account and that would violate their privacy policy. I was a Discover card customer for 10 years with an excellent credit history so I have no motivation to try to defraud Discover out of {$1000.00} yet they keep denying me whenever I provide proof. It has been an extremely frustrating situation because the determination process is completely non-transparent and Discover refuses to show me written documentation of how and why they determined these charges to belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2020, JP Morgan Chase Credit Card reported my account balance as 30 days late with the due date of XX/XX/2020. The information was incorrectly reported on my credit report in which my balance of {$140.00} is not due until the XXXX of each month and was submitted and posted to the account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The Equifax breach and my info may have been tampered with and used by an unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
In regards to the account from bbva/ compass. I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not updating my credit report and score on there site. I can't go on annual credit report and order from all 3 bureaus because of Experian. The 2 tickets numbers I receive ticket code is XXXX is from XX/XX/2020. The second ticket number is when they finish there investigation is Reference number : XXXX Please use this ticket number in any correspondence with us Subject : Ticket XXXX on XX/XX/2020. The issue was not resolve. I called Experian and the customer service rep hangs up on me when they can't resolve the issue. I feel I'm being taken advantage of because they are a big company. They feel this is not a problem to fix or not important enough just to help one person. When this problem can stop me from getting a new job or new home for my family. l will file a complaint with the Attorney General and file a civil lawsuit against Experian if this issue is not resolved.

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 2020-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The XXXX breach and my info may have been tampered with and used by an unknown person.

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 2020-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The actions I had no choice than to take was back in XXXX because this loan was from back about XXXX maybe XXXX I dont exactly remember how far back I ended up having to file bankruptcy because it had done on my credit report and damaged my credit report I had tried to work things out but they werent really working with me I made phone calls the last phone call I had made to them before I had filed bankruptcy they told me they wanted the full amount in the full amount of the student loan was {$35000.00} roughly so I had no other choice than to file bankruptcy It was paid out through them bankruptcy so it is paid for but that was the only way I can get it taken care of because its ruined my credit and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had called them on XX/XX/XXXX when the flood of illegal charges began. It started with over {$1000.00} and {$200.00} worth of XXXX and doordash was illgeallly ordered since I saved my credit card on their site. XXXX has a saved conversation of the thief talking with the seller and doordash has the home address of the thief. I contact baked if america and told them everything onXX/XX/XXXX was not my pitches and it had over max my credit card. Please help I am desperate of help I need this card to be fix of credit fraud charges. Bank of America told me to wait 2 days for report and have yet to receive and report for a while. Please help as it looks like they think I order all of this but I definitely did not ... .I dont know what to do anymore

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