vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: OH

Complaint narrative:
I have reported a fraudulent charge on my credit reports from XXXX, Experien, and XXXX. These companies have refused to look at the documentation that shows this was a fraudulent charge by a XXXX XXXX employee. That charge continues to show on my credit report reducing my credit score. What is going on here that people will not acknowledge the evidence?

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 2021-02-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I attempted to obtain an electronic copy of my free annual credit report from Equifax. Without explanation, I was instructed that I must fill out a paper form and mail it to Equifax in order to get a copy of my credit report, and that I would be unable to receive a digital copy. I logged on to " myEquifax '' XXXX tm ) to see if perhaps my security freeze might be preventing me from getting the digital copy. I clicked the " freeze '' button and was told, " We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. '' Clicking the button instructs me to " Please give us a call We can't complete your request at this time. Please call the Customer Care team XXXX ''. 

I called, and the agent I finally was connected to could not answer the simple question, " Does a security freeze prevent me from downloading my free annual credit report from XXXX? '' And the agent could not help me obtain the digital copy today as as I needed. 

This is now the second year in a row I have attempted unsuccessfully to obtain my free credit report electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt was the result of identity theft while out on duty.

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 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
The company is ACSI. They are continuing to robo-call my cell phone after I've asked them to remove my number from their autodialer. I am willing to receive a call from a human being there if they wish to discuss whatever debt they're calling about, but the TCPA is rather clear on robo-calls to cellphones. I called them back and recorded it with their knowledge, in which I informed them of the law in this case and asked for my number to be removed from their autodialer. Then, I posted a redacted version of the call ( excluding my number and their company name with brownian noise ) on my XXXX profile here : https : XXXX I also have a non-redacted mp3 of this call, if there is a place where you would like it sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Good afternoon, I have made several attempts to get validity of the accounts from Wakefield & Associates. They have 3 accounts listed on my credit and when I disputed this on several occasions they would never provide me proof of the debt. As I stated to them I have never signed an agreement with them and to please provide me proof of an agreement. I have issues because they were initially charging me interest on a debt that they would not validate. Finally the other week they decreased the interest off of the debt, but to no avail they have not sent me anything to validate this agreement I supposed to have with them. I am asking that they send me copies of agreements signed by me or delete this off my credit. They are causing my credit score to decrease everytime they add interest on this debt in which can not be verified. Please help me with having this company send me contracts in which I signed otherwise I want this removed from my credit and to cease from adding interest on a charge that has not been validated. How can you charge interest on an account that you can't validate and then send a message back saying you are reporting according to the FCRA guidelines. I have rights as a consumer and I am asking for documented proof of this debt and a signed agreement in which Wakefield & Associates and I have ever had an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: SC

Complaint narrative:
I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries were added to my credit report and I do not know who they are to even be checking my credit reports. I have called previously and nothing haven't been removed. I was told they were having a inquiry issue. 

XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX date : XX/XX/2020 Inquiry date : XX/XX/2020 XXXX  Inquiry date : XX/XX/2020 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 2021-02-17 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: GA

Complaint narrative:
This XXXX XXXX XXXX account is a fraud account and should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: NY

Complaint narrative:
I attempted to get equifax to remove incorrect debt on my report in 2020 and never heard anything back. Shortly after, my account was locked for security purposes by equifax and they now will not release any information without obtaining copies of my drivers license or social security card. Even after I confirmed my identity with them through confirmation questions, texts to verify my phone number and my email address. They then put me through to a supervisor who was on a supervisor call but I was told it was going to be 1, 2 or 5 minutes. Ive now been on hold for over 15 while I write this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a call early in the a.m., I never answer, I let them go to voice mail, then if they leave a message of importance, I call back. The message said they were investigating a possible fraudulent charge on my Amazon Card, saying to reach my account I could input the last 4 of my SS number, I did so, half asleep. The call sounded legit. The electronic voice, then said, as I recall, I could input my SS number to reach my account, I think I may have inputted the entire number before I awoke and got suspicious. I then called Amazon, or the bank that is on the card. They said I was all paid up and no new charges ... .so folks I'm concerned I was unfortunately had by scammers, but fortunately I didn't send money or pay out on some fraudulent claim. 

Thanks for your help ...

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I got a hold of my credit report and noticed there were numerous inquiries on my credit report. These were not authorized and need to be removed.

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 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Mortgage was used to satisfy Chase {$13.00} XXXX Settlement with Federal Government including $ XXXX for consumers since my loan is a XXXX XXXX originated in XX/XX/XXXX and all the papers were signed by the Mortgage Broker. Also Chase has another settlement with US Justice Department in XX/XX/XXXX for {$55.00} XXXX and I am minority and is part of the settlement. 

Chase send us Satisfaction of Mortgage recorded in XXXX County on XX/XX/XXXX at XXXX XXXX. Since the letter came with my wife name XXXX XXXX first she filed it. 
I am seeing the document in XX/XX/XXXX. 

Chase still continued to send bills after XX/XX/XXXX and collect monthly mortgage payments even though the mortgage was satisfied in XX/XX/XXXX. They should have closed the mortgage and stopped sending me bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have escort account with the company to pay my property tax. The company didnt pay my XXXX XXXX property tax. I called them early XX/XX/XXXX to fix the problem. After this call, I called them three more times in XX/XX/XXXX and try to prevent them missing my XXXX XXXX property tax. Again, they still dont pay my property tax and we already owed property tax for two quarter. Until today, they still cant resolve the problem and they continue collecting my money for escort. If we dont resolve the problem now, I am afraid town might do legal action to my property.

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 2021-02-17 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2020, I sent Citi Bank a dispute letter ( see attachment ), attached is the tracking status showing that they received it on XX/XX/2020. Which they never responded back to that letter within 30 days. Which is a violation of Federal Law. Attached is a copy of my XXXX  and XXXX credit report dated XX/XX/2020, which shows that Citi Bank is reporting the account as charge off account and balance of {$910.00}. The address I sent the disputed letter to is the address on the XXXX  credit report for that account. Citi Bank received my disputed letter on XX/XX/2020 ( see attachment ). They violated the Federal Law because they were required by law to notify the credit bureaus within 30 days and add a statement to my credit report within 30 days that says I have disputed the above item in question, attached you will find a copy of my XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX credit reports dated XX/XX/2020 ( 31 days after Citi received my disputed letter ). Which shows that Citi Bank violated the law when they didnt put the statement on my credit report that I disputed the account with Citi Bank on my credit report within 30 days. I am requesting the help of CFPB to hold Citi Bank accountable for violating Federal Law and have them delete the item in question from all three of my credit report because they failed to follow the Federal Law or I will proceed with a lawsuit in Federal court.

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 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
The debt is not mine and the company has not provided me with any proof or verification that I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I changed banks to Wells Fargo. The bank was closed XX/XX/21 due to a holiday. My payroll check was submitted through mobile banking. I spoke with a bank representative which advised the funds would be available today. I called as I later received an email which stated there was a hold placed on my payroll check. They will not return my check, stop the processing or release the hold. I had to cancel my online mortgage payments. Now I am looking at additional fees and late charges. I understand placing a hold but a payroll check can be verified and verification does not take that long. I have now spoken to 3 representatives which just reads the same script to me.

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 2021-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I usually pay Navient a monthly payment of {$650.00}. I have not had a check returned for insufficient funds or been late with a payment. 
My payment is due by the XX/XX/XXXX of every month. 
I mailed my XXXX payment of {$650.00} on or about XX/XX/2021. 
Upon checking my bank account around XX/XX/XXXX, I noticed a DOUBLE withdrawal of {$650.00} ( an admitted error by Navient ). 
I called the bank and placed a stop payment on that check # XXXX ONLY Arc # XXXX. 

I thought check # XXXX would clear as payment, but it never did. 
Therefore, my account was considered delinquent. 

Ok. On or about XX/XX/2021, I began receiving phone calls at XXXX requesting the XXXX payment. I said I would mail it the next day. The rep said she would " note it '' on my account. 
It ( a check for {$1300.00} XXXX was maled on XX/XX/2021, which would cover the XXXX " delinquent '' payment and the next due XXXX payment. 

The following week, I received at least two evening calls and a call on XX/XX/XXXX and XX/XX/XXXX from Navient again demanding payment! 
I explained again that I had already mailed the payment ... it was implied I had not! 

On Tuesday, XX/XX/XXXX, I received another call. Since I had received my check back, I went ahead and paid {$1300.00} from my debit card as a ONE TIME payment. The confirmation # is XXXX. 

Using a debit card is NOT a payment practice I choose to continue. I have always paid by check and wish to continue, and I should have every right to. 

On Saturday, XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX telling me my account was INVALID that I must go to the bank and obtain a letter stating my account was not invalid. 
The account was and is not invalid. My check for {$1300.00} was also enclosed with the letter to me stamped VOID with no explanation as to why. 

The XX/XX/XXXX date PROVES my check had been received, prior to the harassing calls I received thereafter, but the payment had been rejected, and I was harassed instead of being informed. 

I went to the bank this morning, and was told the bank does NOT call or write letters as proof of account validity. My account IS VALID. 

When I returned home, I called Navient. I spoke to rep " XXXX '' and her supervisor, " XXXX '', who were both rude. 

PROBLEM : I was not given a reason for the declaration of INVALIDITY on my checking account. I deserve an explanation. XXXX refused to correct the situation. My checking account is NOT invalid!!!!! XXXX said the declaration by Navient IS the reason and I deserve no further explanation. 

The double charge was originally a Navient mistake. Now it seems I am being continually punished for protecting my interest and not wanting or needing to pay double in XXXX. 

The account is up-to-date. My account should be reinstated and my check accepted for future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
Hello, I worked with XXXX XXXX in XXXX MA to trade in my XXXX XXXX XXXX XXXX lease and sign a new one. I was verbally confirmed that the old jeep would roll into my new lease and would be taken care of. This never happened. I called XXXX XXXX  many times and the manager told me " its your fault and the sales agent no longer works there ''. Ally financial is the bank that supplied the lease and I now have this major outstanding balance and a mark on my credit that is hindering me from getting a mortgage. I have worked with many repair companies and have tried to compromise with Ally and XXXX and have had no success. XXXX  is the worst car dealership I have ever dealt with and they seem to not care when they take advantage of their customers, especially when their customers come in alone. I need help with 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 2021-02-17 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: OR

Complaint narrative:
Last year I had an income based forbearance in effect due to expire XX/XX/XXXX. When the Trump administration delayed payments for everyone, only the interest accrual was affected & Navient sent a letter explaining how the interest would work and that was it. 

Since XX/XX/XXXX I've been getting harassing phone calls and emails from Navient demanding I either pay {$430.00} by XX/XX/XXXX or I reply " YES '' to an automatic economic hardship forbearance that will accrue interest to be added to my principal balance after the forbearance period is over ... which, according to them, will be in one month. 

According to the announcements made by the Biden admin and on Navient 's own website, I'm required to do nothing. The interest is supposed to be set at {$0.00} and payments voluntary, yet I'm being harassed daily to either pay or circumvent the 0 % interest guaranteed by Biden until XX/XX/XXXX by applying for this specific forbearance. 

I'm afraid to contact Navient at this point because I simply don't trust them. They are also trying to get me to pay " late fees '' that were forgiven by Sallie Mae in years prior, that suddenly popped up in XXXX. I've repeatedly asked for help with getting XXXX forgiveness only to be given " income driven '' deferment/forbearance instead. All of my loans are Government issued. I've never applied for private or school-sponsored lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: WA

Complaint narrative:
Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account XXXX an email to contact Optimum Outcomes to correct the error.

Company response to consumer: Closed with explanation