vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Started at XXXX XXXX in XX/XX/XXXX. This school has now been declared fraudulent. They signed me up in financial aid for a couple government loans but then said that those ran out and told me they have a new government funding. I was under the impression it was Sallie Mae. They said because it was different requirements that I would have to have co signer. I asked my dad, he signed thinking it was a federal loan as well. They had me sign these 5 times over my time at XXXX. There was them 5 loans. When I graduated ( XX/XX/XXXX ) and began getting my bills I realized they were private loans. Originally they told me I owed {$65000.00}. Then it went to {$55000.00}. I kept putting them in forbearance at Sallie Maes request because I could not afford the $ XXXX/mth payments. This went on for a couple years. In that time they changed to Navient, they appeared to be working with us. They were receiving payments for $ XXXX/mth for interest only payments. Overall balanced still went up as well. When that agreement ended they wanted {$1000.00} a month. Again, we could not afford that so they threatened us with lawsuits, liens on my parents house, garnished wages. They called my company, family members I have no contact with. Twice over the next 3 years they agreed if we could give them lump some they would discharge the loan. First time was for {$4000.00}. My father paid. They said we misunderstood the agreement, continued to report us to credit agency, call company/family members. The last time was in XXXX of XXXX. They said if we paid {$7000.00} the account would be settled. This was after threats of liens, garnishments. By this time we contacted the attorney general of our state Massachusetts ( XXXX XXXX ). They advised us to get this agreement and writing and said because this was a private loan they were limited, but received many similar complaints. Advised us to join class action suits. We took out a loan of {$7000.00} from our XXXX that we are still making payments on. After they received that, we didnt really hear anything. They continued to negatively report us to credit bureau and even sold the debt to multiple debt collectors. We are still being threatened by those companies. We tell them about agreement and they said they have valid claim to debt. This has destroyed our credit, which made it hard to get anything including mortgages/ car loans. When we did received any credit it was at a ridiculous interest rate. These loans ruined our plans at life as far as building a life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NY

Complaint narrative:
I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by TransUnion, XXXX XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, TransUnion XXXX XXXX ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands.

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.

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 2021-09-08 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: NY

Complaint narrative:
I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, Experian XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, XXXX XXXX Experian ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.

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 2021-09-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. block and remove them. 

1. XXXX XXXX  XXXX XXXX 2. XXXX XX/XX/2021 3. XXXX XXXX XXXX  XX/XX/2021 5. XXXX XXXX XXXX 6. XXXX XX/XX/2021 7. XXXX XXXX. XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1400.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NC

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA STATE EMPLOYEE # XXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX XXXX # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXX # XXXX {$350.00}, XXXX # XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
Cold call from Central Portfolio Control stating I owed a debut for a rental apartment from 5 years ago asked for proof of debut never received, company continues to call weekly for last 2 months with out ever sending proof of debut. I have asked them to stop calling until proof of debut can be provided as this debut was already discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I got my Barclays ' XXXX XXXX  XXXX Credit Card application from XXXX XXXX Stewardess on my return trip from XXXX XXXX to XXXX XXXX XXXX XXXX. I filled and sent my application in around XXXX XXXX, 2021 and got no replied answer. Later, Barclays sent me a letter to ask me to certify my citizenship in their supplied return envelop. I didn't find any return envelop but replied with my personal envelope, On XX/XX/2021, Barclay sent me another mail to ask me to call XXXX in 30 days to verify information listed on my application. If I didn't call in 30 days they will be unable to consider my application. I called on XX/XX/2021 around XXXX ET to that number. It put me on hold for more than one hour without any answer. I called again on XX/XX/2021 XXXX ET and left with my phone number. Someone answered and asked my SSN and DOB and then put me on hold for 45 minutes, then another agent answered and asked my SSN and DOB again and told me that he couldn't open my application and put me on hold for more than one hour. I guessed that Barclay didn't like to approve my application of credit card but couldn't find any problem with my application. I got excellent credit score about XXXX. Barclay just tried to discourage my effort to get the credit card. My phone number is XXXX. My email is XXXX. FYI my application No : XXXX and my name is XXXX XXXX XXXX. Please 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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NC

Complaint narrative:
In the beginning of XX/XX/2021 I contacted XXXX about my rising phone bill. It was discovered that they enrolled me in digital protection without my knowledge. This added XXXX a moth for over 12 months. I asked for a refund of the fraudulent charges. I decided to change carriers because of my negative experience with XXXX. At the end of XXXX my bill was paid in full and I changed carriers. My XXXX bill was not due until XXXX 2021.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX I had new windows installed in my home. The financing was done through Wells Fargo, who approved me for XXXX worth of credit. I have always paid my bill through my banks " Bill Pay '' option. I have been late minimally, even through a pandemic and a six month period of unemployment last year. 
In XXXX of XXXX my payment was admittedly late. I called and spoke with a Wells Fargo representative named XXXX on XX/XX/XXXX, who said that this fee would be reversed. ( {$29.00} ) She told me said fee would be reversed by XX/XX/XXXX. I called, again, in late XXXX as the fee wasn't reversed from my statement. This time I spoke with XXXX. She assured me that this would be reversed. It was reversed on XX/XX/XXXX. 
However, my payments made electronically through my bank, are taken from my account immediately and sent to Wells Fargo within 24-48 hours. This information was provided to me directly through XXXX XXXX XXXX  this morning, during a conversation with XXXX. XXXX attempted to do a conference call with a representative of Wells Fargo, this morning ( XXXX XXXX, XXXX ) and the representative said that she was unable to do so, as it was a recorded line. (?! ) I spoke with her, and her explanation made no sense so I requested to speak with a supervisor. 
Storm came on the line. I have no idea why this young man is in customer service. He was rude and condenscending. He told me that the original {$29.00} late fee was credited to my balance but because the payment amount that I have been paying monthly ( since the inception of the loan ) didn't match the statement that my late fees, with interest are now {$110.00}. 
This still makes no sense to me, as after my conversation with my bank I think that it's crazy that Wells Fargo is not crediting these funds to my account in a timely manner. Once I hit the submit payment button, the funds are no longer available to me, in my account. 
I took the time to make copies of all of my statements and bill pay receipts as well as the statement from my bank and mailed this all to Wells Fargo on XX/XX/XXXX. I have not yet received a response. 
I am not sure that you will be able to help me but I am so clost to paying off this account in full and I am terrified at what additional fees they will slap on the account before I am able to do so. 
Thanking you in advance for any assistance that you may be able to provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Home ( XXXX ) XXXX Mobile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I received a debit card in the mail from Square. The card is issued by XXXX XXXX. I never created a business account with Square or XXXX XXXX  and neither company has telephone support to handle issues relating to fraud or identity theft. I've tried multiple times to access their support and am told that, because I'm not an account holder and don't have a " customer number '', I'm unable to get assistance. This is the third " XXXX XXXX  '' where an account has been opened in my name without my permission, probably using stolen information from the dark web. Every other bank or company has had live customer service people to talk to that have dealt with the issue quickly, but Square and XXXX XXXX  make this virtually impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: GA

Complaint narrative:
Unable to furnish XXXX consumer report online at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unable to furnish EXPERIAN consumer report online at 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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
A {$4000.00} repair allowance was promised during the sale/closing process, but never paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Step 1 : What is this complaint about? 
I summited serval request to Comenity Bank to dispute the charges but was denied any resolve or remediation. 
Dispute return payment and purchase for {$10000.00} ( {$5400.00} return payment and purchase {$5000.00} ) account # XXXX. 
The purchase occurred on XXXX XXXX 2021 Step 2 : What type of problem are you having? 
Fraudulent charges to my Credit Card for {$10000.00} Step 3 : What happened? 
This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/2021 for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by XXXX XXXX XXXX. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under CAD/CASE No. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with XXXX XXXX XXXX  because these charges are a result of criminal act of fraud. 

See attached police report. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Step 5 : Who are you submitting this complaint for? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Time Line XX/XX/2021 Deposit, PAYMENT - made in account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Withdrawal, RETURNED PAYMENT, taken from Comenity Bank Account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim, purchase and mailed equipment ( XXXX XXXX ) XX/XX/2021 Victim contacted State police to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim contacted Comenity Capital Bank to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and dispute all transactions and charges related to the crime. 



See attachments : XXXX ) XXXX Comenity Bank Credit Card XXXX XXXX ) Dispute Documents - Comenity Bank Credit Card Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
My issue is with XXXX XXXX XXXX XXXX XXXX reporting inaccurate late payments to my credit report & not correcting the information. My auto loan was paid in full & was never late & my report should reflect that!

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 2021-09-08 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: AR

Complaint narrative:
On XX/XX/2021 I spoke with Agent XXXX ( exgXXXX ) in regards to fraudulent accounts XXXX, XXXX Funding, and XXXX asset Management who confirmed Equifax would be removing or deleting those account items from credit report within 24 to 48 hours. On XX/XX/2021 I spoke with XXXX agent ( XXXX  ) confirmation number XXXX and on XX/XX/2021 case number XXXX in regards to the these accounts that were initally deleted or removed and were placed back on my Equifax credit report after several disputes including a police report along with a notarized affidavit. As of today these accounts have re-aged or re-appeared back on my credit report after being blocked which has caused an unforturnated financial hardship in my applying for mortgage recently in which these accounts never should have been reporting on my credit file under sections 605b, 609, and 611 of the Fair Credit Reporting Act. I find these actions to be in clear violation of my consumer rights and is totally uncaccepatable. Also certified correspondence was received by Equifax on XXXX at XXXX tracking ( XXXX ) in regards to the fraud related accounts.

Company response to consumer: Closed with explanation