vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: DE

Complaint narrative:
I received a copy of my credit report and saw that an account was wrong. I previously sent a letter requesting they update me with a copy of my account statements and I received my Certified letter back in the mail last week that I sent on XX/XX/XXXX. I spoke with a rep and he said they can't provide the statements without me asking in writing. I explained what happened and he gave me an updated address. I have written letters to the company and the credit bureau since XX/XX/XXXX with no response on this account. 

I need a copy of my statement because I'm sure I paid on this account. I had XXXX children while working on my credit and that is why I fell behind but I know I put down a deposit to get the card and I paid more afterward. When I look at my report the information is different. The high balances and don't add up to the current balance when you consider the deposit. They are different for all the bureaus. They range from {$0.00}, {$140.00} and {$220.00}. There has to be something missing. 


I also called the collection agency that the rep told me to reach out to, to request the same info and they said that it is a prepaid debit card when it is a secured credit account. A prepaid debit card is different from a secured card. 

I feel like they are passing me around and I need help so I can buy my house. 

I would pay if it is shown I owe the account but they refuse to provide me with the statements and a letter with a balance isn't enough. The balance on the credit report doesn't add up and the balance that is on my credit report is different from the balance that the collection agency told me on the phone. The report says {$140.00} and the collection agency has {$140.00}. 

Can you all make them send me the statements for the time I had an account with them or is there anything that I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TN

Complaint narrative:
THESE ACCOUNTS ARE NOT MY ACCOUNTS

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 2020-04-09 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: MN

Complaint narrative:
A thief stole my social security number and used it to hack into my Experian account and run several soft inquiries and two hard inquiries ( XXXX and XXXX  ). I was able to stop the XXXX card in the application process. I was able to close two credit cards opened with BOA, via their Fraud department. Experian is showing both were legit inquiries even though they were not run by me. Again, the thief was able to access my Experian account and change the email address to XXXX ( not my email and I have since corrected this ). I learned of the identity theft when the thief set up an account with USPS and placed my mail on hold. USPS has been notified and I was able to retrieve my mail before the thief did. A police report has also been created. I'm not sure what the call to action is here. More than anything, I'm wanting to alert you to how easy it was for someone to gain access to my SSN and subsequently 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 non-monetary relief
Consumer complaint received 2020-04-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello I submitted a complaint to equifax XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX regarding the INVESTIGATION and Debt validation XXXX. According to the FCRA an investigation should not take longer than 30 days and debt validation should not take longer than 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Dear President Trump. As a follow up to my complaint against Navy Federal Credit Union, they sent me a note telling me that under the circumstances the only thing they are willing to do is to extend the credit card note two extra months but also warned me that I would pay increased interest and fees. 

I am asking that as a direct result, you permanently deny Navy Federal Credit Union any relief under the stimulus package because they are taking money under false pretenses. They are not providing equal relief to the customers and in many cases, like mine, are increasing the amount due significantly based on the 27 % interest they are charging. 

I do not think this was your intent. 

It has been my experience that the Navy Federal Credit Union and their leadership are corrupt exploitive and have no truth in them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WV

Complaint narrative:
Ive been trying to figure out my escrow account with my mortgage compnay an i called them today XX/XX/2020. I was informed that its empty, actually XXXX  negative. An that they would get back with answers on XXXX of XX/XX/2020. I went through this with them before an cfpb had to get involved. This is why i am not waiting till the XXXX of thia month. I paid XXXX all of last year for a total. XXXX. Plus ive paid four months at XXXX of this year for total of XXXX. I pay XXXX a year tax, XXXX home insurance and XXXX flood. I spoke to my mortgage company around XXXX first about switching my flood bc they hadn't recieved the information where i switched to the cheaper XXXX a year from the more expensive XXXX a year. I asked them if id get it back, the difference and they said yes. An when i called today on XX/XX/2020 they said it was negative XXXX and they would look into it. I know what i pay in and what payments go out. Can not be empty.

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 2020-04-09 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: CA

Complaint narrative:
My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both Transunion and XXXX  agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and XXXX  agencies can report an account of this type again after its first initial seven years of reporting.

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 2020-04-09 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: TX

Complaint narrative:
I contacted XXXX, Transuion, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.

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 2020-04-09 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: TX

Complaint narrative:
I contacted Experian, XXXX, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.

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 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
NCA IS THE COMPANY AMOUNT XXXX XXXX 2019 IM DISPUTE IT KNOW AND I ALREADY WENT THRU IDENTITY THEFT AND ALSO MADE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 22 years as a XXXX XXXX XXXX  XXXX  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 2020-04-09 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: CA

Complaint narrative:
My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.

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 2020-04-09 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: CA

Complaint narrative:
My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.

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 2020-04-09 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: AL

Complaint narrative:
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, XXXX, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell Equifax it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a truck driver and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AES/PHEAA
State: PA

Complaint narrative:
I thought I was on a deferred payment plan for these accounts. I have been working very hard to fix my credit, and all of a sudden I get reported as 60 days late and 90 days late. My primary issue is that I have been, as has most of America, affected by the COVID 19 pandemic. I thought all student loans were in an automatic deferment. I am in disbelief that AES would do this to me, especially now. I have called and begged them to help, but they have told me that they can not help me. They are reporting the data, what do they mean they can't help me? Please help me, they are destroying my credit, during a crisis, this can not be fair! 

Sixty days late in XX/XX/2020 and 90 days late in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
On XX/XX/2020, I was opening a bank account at XXXX  XXXX XXXX XXXX in XXXX XXXX, MI, I was told a background check on me through Early Warning Services LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, XXXX ) stated that my social security number was issued prior to my date of birth. This is not correct as my father applied for my social security number after I was born. I provided a copy of the original social security card to the bank and they accepted it as valid. I contacted Early Warning Services to have this inaccurate information removed from my file and they denied my request. The person I spoke with, XXXX, kept telling me that they provide bank history to banks and denied that Early Warning Service had provided this information to XXXX XXXXf XXXX XXXX. XXXX would not allow me to speak with anyone else at Early Warning Services to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Schreiber Law LLC
State: CT

Complaint narrative:
I have sent a letter to the Schrieber Law, LLC requesting that they cease and desist in contacting me regarding any and all matters pertaining to the alleged XXXX debt. They are not my original creditor and I have no desire to work with them. I am dealing with more than my fair share of financial strife right now due to COVID 19 and do not need the added stress from Schreiber Law, LLC as well. I am letting the CFPB know what is going on because I want a record of this issue on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
we are in the midst 0f the most horriffic times, COVID19, I have lost my job indefinate. I have asked for deferrment or forebearence, they are not receptive Aand seeem as if it is my fault for no Job, seems as if I recall an order being signed STAY HOME SOCIAL DISTANCING. I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers especially the high risk and elderly do not and have said Not to enter our home, when you subcontract off a contractor, you dont have a choice.

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 2020-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Dear Sir or Madam, First of, I would like to thank you in advance for paying attention to my case. 

I end up with private from Salliemae back in XXXX as XXXX UniversityXXXX students for a Bachelor program. It was explained to me then that the only loan, I was qualified for was private loan due to a lack of credit history and co-signer. 
So I signed up for the loan with variable interest at 9,99 % ... since college was key to become a free thinker, a productive member of Society ... at least that was the dream. 
After my graduation, I was unemployed and asked for forbearance, quickly reality sinked in ; as I was slammed with {$300.00} fees. So since XXXX, I have been paying for my loan without missing a beat.I tried multiple times to consolidate with no luck. No one will even listen. This is a predatory behavior. 
Even with FED interest rate at 0, I still pay 3.50 % .Now with COVID 19 they still want me to pay with interest at 3.12 %. I paid per year an average of XXXX in interest.Another point is Salliemae have sold my loan multiple time without even consulting with me Now my loan is within Navient. 
Please can you help so I can have 0 interest for six months as humanity is dying. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC
State: CO

Complaint narrative:
Contacted XXXX XXXX to remove the items from my collections report. Escalated to 3 supervisors and they told me Delivery Financial services are the only ones who cant remove the items. Items were paid in full and they shouldve never been charged. I paid for everything upfront and had 4 items placed in collections for the same procedure. XXXX is putting all the blame on delivery financial. I have contacted delivery and they keep telling me to contact XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX

Company response to consumer: Closed with explanation