vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I was hoping to be included in the recent Navient lawsuit because of predatory loans pushed on me while I attended art school. Unfortunately it seems as though they are only including certain art schools in the particular lawsuit. For many years I was in default or forbearance and couldn't afford Sallie Mae 's outrageous monthly payments but I was told my only options were different forbearance programs instead of income based. Due to that, even with me struggling to make the full monthly payments for years now, my owed amount is still greater than what I originally borrowed. I am 15 years into a 30 year loan and my payments haven't even paid any principle balance off. I fall into every category for the settlement except the exact school on the list of art academies. I was bullied into making the full payment amount on the premise that I could remove a co-signer from my loans but the after the 1XXXX consistent full payments were made and I tried proceeding with a co-signer release they told me I didn't qualify because I never completed my course of study. They took me off of my reduced payment plan knowing my intentions of trying to release my co-signer and never mentioned that requirement until I tried to process it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
This complaint is about LVNV funding. They sent letters to a place I was living in three months ago in the males forwarded to my mothers house. On XX/XX/2021 I received a letter saying after reviewing the dispute they have a reason to believe that it was submitted by a credit repair organization. They continuously misrepresented their self but from the same company I received the first letter on XX/XX/XXXX of 2021 I have that latter.. I received another letter on XX/XX/XXXX of 2021. I received another letter for garnishing my wages after they actually garnish my wages. And the price That was supposed to be old was {$900.00} they sent me a or order for {$1300.00} Today I received a court order which is XX/XX/XXXX I received another letter with {$1400.00}. This is for another court order I dont understand why this is happening. If there was already a court order where the air they sent me another court order. They misrepresented their self to my job and I dont think its fair that they could do this to people. How is it that theyre already taken wages from my check but now they want more is that even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made a payment ( ACH ) last Thursday XX/XX/XXXX XXXX {$4000.00} ( entire balance ). My statement due date for payment is XX/XX/XXXX. Today I attempted to use my card for {$270.00} at the doctor office and was declined due to over spend limit. My credit limit is {$5000.00} but only have {$130.00} available. 

When I inquired why my payment hadnt posted I was told there is a hold placed on my payment until XX/XX/XXXX. Ive been a cardholder for over a year and no issues or late payments- there was an issue at XXXX last month when I payed my statement balance in full on XX/XX/XXXX but I corrected issue and paid in full on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, XXXX and Transunion. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.

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 2022-01-19 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: NY

Complaint narrative:
I reached out to XXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across 3 bureaus XXXX, Equifax and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit grantor 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
I reached out to XXXXXXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across XXXX bureaus Experian, XXXX and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit XXXX 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.

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 2022-01-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is a paid charge off under the name SYNCB/AMER EAGLE under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at American Eagle! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs 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 non-monetary relief
Consumer complaint received 2022-01-19 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: OR

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan, I filled out, what looked like a normal application with XXXX. After submitting the application I received an email stating I was approved but needed a co-signer. I immediately responded stating I did not have a co-signer and to terminate my application. On XX/XX/XXXX I received a {$5.00} charge to my bank account from XXXX. I immediately contacted stating this charge was not approved as I did not have an account with them and had previously requested my application be terminated. I requested this charge be refunded, through all correspondence with XXXX I receive the same generic email with no outcome of a resolution. 

Today, XX/XX/XXXX XXXX shows up in my credit report with a balance of {$220.00}. Yet again I immediately contact XXXX, I call the phone number and it only allows you to leave a message and states no call backs will be done but an email will be sent instead. Yet again no matter what reply I send I am answered with the same generic email.

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 2022-01-19 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: NY

Complaint narrative:
There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs 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 non-monetary relief
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
There is a paid charge off under the name XXXX XXXX XXXX account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NY

Complaint narrative:
There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs 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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
On XXXX, 2020, I was told by XXXX XXXX and a XXXX XXXX XXXX that the bank was no longer taking my calls. I tried to explain that on a recent mobile banking call, the bank teller refused to use my secret password that was set up. Instead, she insisted on hampering me for my social security number. When I explained I had this password set up, she hung up the phone on me. I quickly called the branch= XXXX XXXX and XXXX XXXX XXXX XXXX report this. No assistance was offered. Instead, I was only greeted with the rudeness & punitive behavior. Please, assist as I'm sure there are others whom affirm that bank issues passwords to protect you they should thereby use them= not abuse them and punish the customer. As a result, the bank has not allowed me to call or enter the bank for assistance. Is this fair?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a new complaint and new subject. Has nothing to do with the prior complaint. 
Capital One received a cease and desist. Capital One continues to send statements in the mail to me after receiving a cease and desist from me. Capital One also has not reported the alleged debt as disputed to any of the 3 major credit reporting agencies. Capital One is in clear violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On the dates of XX/XX/XXXX and XX/XX/XXXX I, applied for your XXXX XXXX XXXX XXXX  which resulted in a denial of a consumer credit transaction. Pursuant to 15 U.S. Code 15 U.S. Code 1691 it is unlawful to discriminate against me as the applicant to any aspect of a credit transaction. I can not be denied my own credit that Bank of America is extending back to me, not the other way around. 
Pursuant to 12 U.S. Code 1431 ( a ) you are not legally allowed to extend any credit. You have denied the original creditor, ( myself ) my own credit. The fact that Bank of America is claiming to be the original creditor is considered fraud. As a natural person, I am able to open any amount of open-ended credit plans as I choose to per U.S. Code 15 U.S. Code 1602 ( g ).

You are currently in violation of FDCRA, for the use of my copyrighted property. Since the use of my credit card was used to endorse this consumer credit transaction, I am demanding the use of my open-ended credit plan.

You may also want to train your employees better when they are speaking to consumers about denials. 
I called the credit reconsideration line on XX/XX/XXXX and spoke to XXXX who addressed herself as a senior credit analyst. She stated that my application was denied as a result of a bankruptcy that is currently reported on my consumer report. I explained to XXXX that it was illegal to deny me my own credit based on the fairness and privacy that 3rd parties must exercise with respect to the consumers right to privacy U.S. Code 1681 ( a ) ( 4 ). The bankruptcy should not be reported on my consumer report, in the first place this is stated specifically in 11 U.S. Code 107 ( c ) ( 1 ) XXXX  stated that she was sorry I felt the way I did, but she could not approve a consumer credit contract.

Per 15 U.S. Code 1681 ( a ) ( 1 ), Congress found that inaccurate and unfair credit reporting from consumer reporting agencies has impaired the efficiency of the banking system. 15 U.S. Code 1681 ( 2 ) states the development for investigating and evaluating the creditworthiness, standing, capacity, character, and reputation of consumers is an elaborate mechanism. This is basically saying that the consumer reporting agencies that you all have used are not reliable for determining my creditworthiness.

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 2022-01-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-01-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years.

Here are just some of the errors being reported by all three bureaus : 1. Incorrect start date. 2. Incorrect last verified date. 3. Incorrect last payment date. 4. Incorrect closed date. 5. Incorrect account status. 6. Account number is not visible and complete. 7. The creditor name is abbreviated. 8. The supplier/creditor information is incorrect. 9. Late payment history is physically impossible. 10. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. Experian has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.

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 2022-01-19 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 — Their investigation did not fix an error on your report
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 involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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