vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: CA

Complaint narrative:
I am under the PSLF loan program. I have been since the programs inception in XXXX. I went back to school on XXXX, so under the old program I was told I would have to start over with payments which I did in XXXX. 

Every year, I am expected to fill out a certification form verifying that I work for a public non-profit agency. I do this every year as I have worked for different public school districts over the years. 

Recently, XXXX XXXX passed a law that previous payments before you went back to school count. But even before this, Fed loan is missing many years of payments even though I faxed in the forms multiple times. There are at least XXXX payments missing even before my XXXX payments would even be considered. 

I have tried calling and having been on hold for over XXXX hours I am told my payments are in process. Then I get an email showing what payments have counted, only to find several school districts missing that I have faxed them forms for. 

As an educator, I don't have time to call and be on hold. I have now faxrd some of these forms XXXX or XXXX times to no response. 

I can send the forms to you that are missing if you request it. It was XXXX districts over a span of 9 years. 

I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Creditor has reported my loan account charged off for {$2000.00} and {$1400.00} past due as of XXXX XXXX with a status date of XX/XX/XXXX. 

All payments were made and the balance shown represents late charges PLUS INTEREST on those late charges. The attached loan disclosure reveals the late charge is {$29.00} BUT the disclosure does not give an interest amount on late charges. Thus, the creditor is in violation of the Truth in Lending Act. Potential lenders viewing my credit report will assume that I did not make the monthly payments and the charge off is due to this failure rather than a dispute as to interest charged. 

Additionally, the creditor has ignored my numerous requests to differentiate between the late charges which I am was willing to pay and the interest amount included with the late charge balance. According to the Fair Credit Billing Act, I was not required to pay the disputed amount and can not be penalized for withholding payment for amounts in dispute. Creditor 's report to the credit bureau that my loan account was charged off violates the Fair Credit Billing law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by equifax ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: WI

Complaint narrative:
On XX/XX/21 I sent ExperianXXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX  XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian/XXXX on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The response from Wells Fargo failed to address, nor in anyway acknowledge, my questions. This company 's response, it appears, is a general form letter with bits of my information plugged in. I in no feel my concerns were " looked into '' at all.

The response referenced the dates of three emails they state notified me of the credits they issued to my account. To my point, they did not reference my responses or acknowledgments to the emails. There are none. In XXXX, and now XXXX, who uses personal email? It is scarcely checked and generally only when one is expecting a specific email which the receiver must scroll through copious amounts of spam looking only for the sender to find it. 
My concerns were first, how a bank can credit my account like this and they cant argue this would not be expected by any general person with a bank account. I have had checking and savings accounts since XXXX, the last 6 years with this company and all of that 36 years, I have never received bank credit like this. This should have been a customer option I agreed to or, at the very least, I should have been notified in a form in which an acknowledgment of the credit and the 60 day reversal was required. 
My second issue was a request, that under the circumstances, this reversal be made due over a period time, just as they were credited, rather than reverse all three at the same time. 
The financial hardship this has caused is irreparable.

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 2022-01-28 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: TX

Complaint narrative:
Equifax has refused to properly investigate errors on my credit. I sent Equifax disputes regarding three different alleged collection accounts from XXXX XXXX on XX/XX/2022. Ive also sent in disputes outlining XXXX XXXX XXXX violations as well. In my disputes from XX/XX/2022, I listed an FCRA violation and demanded Equifax remove the account as I have the right to do under the FCRA. The alleged collection accounts are reporting i have a past-due balance with them. How can I have a past-due balance with a company I have no relationship with? Under the Fair Credit Reporting Act, I have a right to a fair and 100 % accurate report and if my credit report isnt accurate, I have a right to demand it be deleted from my credit file. Equifax has deliberately ignored all proof and evidence that Ive sent in regarding these erroneous accounts. I even sent in dispute results from XXXX showing that XXXX removed these accounts because it could not verify these erroneous, alleged collection accounts. Upon checking the disputes results, Equifax not only kept these erroneous accounts on my credit report, it also kept the past-due status on the accounts. Equifax is merely parroting information and not conducting a reasonable investigation. I also have a phone recording of an Equifax representative admitting that the company is using stall tactics to intentionally not investigate my disputes. Again, Equifax has ignored my requests and evidence that these are erroneous accounts. Equifax is guilty of enabling Identity Fraud by keeping these erroneous accounts on my credit file. To further support my statement, Equifax added a new address to my credit report ending XXXX XXXX XXXX I have NEVER resided at that address. Equifax is most certainly guilty of Enabling Identify Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: RMA Credit Association
State: TX

Complaint narrative:
They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my private medical records.

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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
This matter is pursuant to CFPB Complaint ID # XXXX submitted on XX/XX/2021. XXXXXXXX XXXX has not answered my question of the line item ( other Fee 's ). Again, these are not legal fee 's or foreclosure fee 's as per XXXXXXXX XXXX Attorneys. The sent several documents and narrative of what they report are the conversations and statements in reference to the account. However, most of their accounts are inaccurate and incorrect. When I asked repeatedly, after CFPB complaint Inquiry, they refuse to give me an explanation of what " other fee 's '' are. My matter is not resolved. The document that were sent are internal documents which are cryptic and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.

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 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The debt is under a fraudulent name I provided proof of identity the bureaus refuse to update my 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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Conduent Incorporated
State: OK

Complaint narrative:
Ever since XXXX of 2020 I have had numerous of unauthorized inquiries and adjustments made to my account. Ilegal ACH transfers, transactions, and overcharging from some merchants. I have tried to discuss this with the fraud department and with customer service. Unfortunately ; the investigation report was stolen from USPS postal system. And I have been disconnected almost every time I call customer service. If I get through to them they lock me out of my online banking database so that I can not view my files while receiving help from their company. Since 2020 I have lost up to XXXX from this scam. Just recently I had another {$1000.00} dollars take from my initial XXXX disbursement and several unthinkable transactions/ACH transfers withdrawn from my account. Im interested in seeking legal counsel if the financial state isn't resolved by their providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company Mercedes-Benz about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. Mercedes-Benz is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: IL

Complaint narrative:
I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them XXXX times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX XXXX based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE

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 2022-01-28 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: IL

Complaint narrative:
I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a XXXX XXXX through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE

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 2022-01-28 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: FL

Complaint narrative:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The bureaus requested me to verify my identity I provided verification and they have not updated my 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 2022-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the pandemic I was late on tow payments on my car loan XX/XX/XXXX andXXXX XXXX due to lack of work and income. It is affecting my credit score and my ability to borrow money. I talked many time to Capital one Auto loan people who would understand my situation and refused to help me

Company response to consumer: Closed with explanation