vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXXand I've yet to get any feedback on my investigation.

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 2020-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-06-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I applied for a refinance loan from NewRez ( who services my existing mortgage ). I was conditionally approved from underwriting XX/XX/2020. Since then the process stopped. I have had 2 loan processors, neither of which has EVER returned a phone call or voicemail. My loan officer was helpful in the beginning, but recently quit responding as well. I have called and emailed the loan officers supervisor, and have not received a response. 

I received the following XX/XX/XXXX : XXXX, XXXX Tue, XXXX XXXX, XXXX XXXX Good Morning Mr. XXXX, Congratulations!!! Your loan has been conditionally approved by our underwriters!!! 

She went on to say they hoped to close the week of XX/XX/XXXX. 

I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
During Covid federal loans payments are supposed to be suspended with 0 percent interest. When I didn't make the payment, they said my loans didn't qualify and I should do forbearance. I signed up for that. 

My credit report and StudentAide.gov both state that I have 0 interest. I received a letter in the mail this week that said I was being changed interest. 
I called and was told I didn't qualify for the no interest. 

We are in a national pandemic and the federal law says no interest. I made these loans with the department of education and now they are saying they are private loans. I did not take out a private loan so I should not be changed. They would do nothing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: MI

Complaint narrative:
Update to XXXX # XXXX Received this letter by XXXX from XXXX XXXX on XXXX, also received a call from the representative that this may take up to 90 days for " Forbearance '' to be removed from my credit report. 

My mortgage is paid in full, including the two month " grace period '' XXXX XXXX offered. 

The XXXX XXXX # XXXX submited XX/XX/2020 I hold a home mortgage with XXXX XXXX, and they have been on autopay up until XX/XX/2020. XXXX XXXX offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or lending institutions did this.

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 2020-06-10 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: TN

Complaint narrative:
I have 2 inquiries on my XXXX and Equifax reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I attempted to purchase nail polish from XXXX XXXX XXXX and I paid XXXX on XX/XX/XXXX. When I hadn't received my purchase, my first email went to Pay Pal, dated XX/XX/XXXX. PayPal responded on XX/XX/XXXX to say that I should still wait for the product but I could escalate the issue with them by XX/XX/XXXX. On XX/XX/XXXX, still not receiving the product I emailed PayPal again to receive assistance with the matter and they again mentioned the escalation that had to occur by XX/XX/XXXX. On XX/XX/XXXX, I again contacted PayPal and asked what else do I need to do to escalate the issue since after 3 emails, all I was getting was the standard email regarding escalation. I stayed on the site there and emailed on another part of the site asking for " escalation '' process or link and noting my previous emails. On XX/XX/XXXX, PayPal emailed me to say that my case was closed and could not be reopened since I did not escalate the matter. Angry that day, I again emailed and left my phone number for some resolution and to this day, have not received any assistance or response and have not received my product. 

I'm writing to you for assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am at wits end with USAA, and as a 19 year member I have been treated unfairly. These people do not care about their members. Well the XXXX Americans members, I say that because from my experience and the neglect that Ive had to endure. There has been multiple situations where USAA could have come through to mitigate to lessen my damages but gave me the XXXX kiss and I strongly feel that if I were not XXXX-American I would not be going thru this XX/XX/XXXX, XXXX A traumatic injury on the job, my management falsified my records, to maliciously get my Workers Comp. denied. The denial costed me seven months with zero income. Finally got it approved XX/XX/2019 I did everything I could to communicate with USAA to work something out but not one person considered any thing and it was a straight up no and I was giving their XXXX to kiss. USAA would have lessened my damages to prevent service lapsing and out of all the calls out of all the emails, No one did anything and did not try to do anything gave me the XXXX to kiss. 

When the COVID-19 issue got to Georgia and my doctor gave me instructions and because of my chronic illness I am at high risk and if I contract the con virus I am at high risk for serious severe complications. I have given detailed emails I have spoken with people all way from the top to bottom These people still could careless and I get their XXXX kiss Still. 

My situation has nothing to do anything that Ive done but has everything to do with the process that I have to go through because others try to manipulate the system and misrepresent facts to unlawfully bring harm to me. 

USAA does not care about the members at least we are black XXXX-American. And I believe that due to my experiences. I could have been out of date long time ago into a better situation but if your bank that youve been with for 19 years and your father has been with this particular institution since he was XXXX years old cant give you anything something is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF THE WEST
State: KY

Complaint narrative:
This account is a checking account overdraft protection line of credit account. The checking account was opened years ago, not XX/XX/2020. When I closed out my Bank of the West mortgage and then closed the checking account, I was given a dollar amount to fully cover any outstanding balance. 

Obviously this amount I was given was wrong!!! So Bank of the West puts a charged off account on my credit for this? And stops me from qualifying for a new mortgage at the highly qualified interest rate I have earned. 

How can an account open XX/XX/2020, close XX/XX/2020 and be reported as a charge off? And XXXX reports the Date of First Delinquency is  XX/XX/2020. That is 17 days before the account was opened, according to FCRA 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 2020-06-10 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: CA

Complaint narrative:
Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.

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 2020-06-10 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: CA

Complaint narrative:
Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response.

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.

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 2020-06-10 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$240.00}

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my card to any third-party platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance. I used their online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported so I called a week or 2 ago. I was automatically sent to the Fraud Dept. I  was told that they needed the Signed SS Cards and the Front and Back of each Authorized User ' Drivers License. I provided them in 3-7 days ; I was told that I had 14 days. I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and then perhaps to get the cards reopened because of a possible mistake. Only one of their many representatives that I spoke to could give me a reason. Today, she said that my accounts were closed due to returned pmts on this or other related accounts. That is in fact NOT TRUE. I have NEVER had a delinquency with this company, nor do I have delinquencies with any other account, related or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Beginning the week of XX/XX/20, my son realized that we still owed on his student tuition. We had automatic payments coming out monthly to pay this. We then contacted Nelnet, who services tuition payments for the College and was told that our credit card on file had expired, unbeknownst to us. They said they sent several emails to our son but he didn't see them or realize who Nelnet was because he is not responsible for paying his tuition, we are as his parents. We set up the payment plan with our credit card because he has no job or credit card. We had his emails on file with Nelnet as well as our contact phone numbers. Nelnet said that they only communicate via email. We find this to be strange and very limiting considering that email notices can go to junk or spam and go unread. Seeing as Nelnet services almost {$400.00} billion in student loan payments, they should have several means of communication. Or at the least, contact the person who's credit card they are charging. Our complaint is that they took out 5 of the 6 payments and charged a {$20.00} service fee for doing this. The last payment was rejected by our bank since the expiration date was expired so Nelnet closed our account. We offered to give them the updated card information but they said since the account is closed, they can't accept it. So at that point we asked for a pro-rated refund of {$3.00} since they failed to complete the contract of which they charged us for. They refused, so now we are seeking your assistance. Our concern is that they should handle ALL payments the same and not close the account until ALL payments have been received or at least when there was no response to their emails, they could have called the numbers on file, contacted the college or sent a letter. There needs to be more than one line of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter stating that the following accounts are incorrect/inaccurate. According to the Fair Credit Reporting Act ( FCRA ), if there is an error, if it can not be proven of verified, or if a grace or pardon is extended by the creditor the negative item must be removed. However, you responded that it was verified as accurate. You stated that you verified the following accounts with the source of information. XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account # XXXX. 

I have highlighted everything on the attached credit report from TransUnion that is incorrect/inaccurate data. Please do not use E-Oscar as I request that you physically investigate these items on my credit file with a physical person. I request that you provide the name and number of the person you spoke with from agency.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
A company by the name of Fortiva calls my place of employment, everyday, several times a day. My supervisor became VERY upset with me b/c I was receiving the calls at work. She told them herself to please stop calling b/c it was disruptive to the school 's daily routine. She even called them back on a day I wasn't working to tell them to stop calling the school ( the school is the XXXX XXXX College and the XXXX XXXX XXXX ). I have been suspended from my job and was asked to please correct the problem before returning as well. I was informed that they called again after being told not to, just now, XX/XX/10 at XXXX XXXX. My supervisor just informed me of the call and the time. She asked them to please note AGAIN that they were not to call the number but I am not sure what else to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation