vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I've been trying to deal with Navient since before the recent settlement. I was talking to an attorney several months ago and they encouraged me to contact Navient to get a listing of my loans from the first lender up until the current lender. This would include the history of the loans including what organizations and when the loans were sold to subsequent lenders and for how much and then finally to Navient. I also wanted to find out how much each lender along the way received from me and how much I was subsequently charged along the way. 
I tried contacting Navient a number of times but the person on the other end didn't know who I should talk to or how. I finally was able to reach someone on XX/XX/XXXX at the " Department of Education '' who said he could get me this list/letter and this would go out to me within 30 days. This gentleman is named " XXXX '' -- employee number XXXX. When I didn't receive this letter as promised, I tried to get back in touch and was unable to reach him, or anyone for that matter. On XX/XX/XXXX I was able to reach someone named " XXXX '' who informed me that I needed to make the request again through the " Washington Department '' which I did on XX/XX/XXXX. I finally reached a woman who didn't seem to know what I was talking about and was referred to the National Student Loan Database and was then referred to the Student Loan Support Center. There I filed a complaint that was reviewed within the 15 day window and they referred me to CFPB. 
In addition, recently after my Income Based Repayment Plan was due for renewal, I was quoted a monthly amount that was disproportionately higher than what I had been paying last year. From XX/XX/XXXX to XX/XX/XXXX I was quoted various amounts from the young people on the other end of the call, seemingly depending on who I reached. In fact, this seemed to be the case throughout the history of my loans. Depending who I would reach on the other end of the line, the amounts due could be different. " XXXX '' ( mentioned above ) was able to readjust my amount after my wife and I sent in proof of income documents. Throughout the course of my loan repayments, I was also regularly and cursorily offered loan forbearences with a short one sentence, rote request for my confirmation. Apparently I didn't understand the actual terms of these forbearences and was basically trying to survive financially. 
I currently owe over {$270000.00} in student loan debt, despite paying since the 2000 's. Without the information I requested, I have no idea if this is a legitimate amount or not, especially given Navient 's history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I have attempted multiple times to try and resolve an issue with US Bank Credit Card services since XX/XX/XXXX. 

After making several phone calls, being hung up on multiple times with no call back, I feel my issue is nothing of importance to US Bank. I have had nothing but problems with US Bank card services over the past XXXX years. 

I have a charge on my statement for {$350.00} that posted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I never authorized or signed for a charge for this amount. I did authorize a charge for {$180.00}. I have attached my receipt with this complaint. 

I want my credit card credited back for {$170.00} for the unauthorized charge back immediately. I don't have any other choice after this but get an attorney if the charge is not credited back. 

US Bank needs to severe work on providing any sort of satisfactory customer service. They do not follow up with customers regarding matters of urgency. 

-XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2022-02-03 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: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Dear CFPB, My loan with SLS is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to Divorce settlement, and I even presented that stipulation.

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One Quick Silver Credit card on XX/XX/2022 through XXXX XXXX. On XX/XX/2022, I received an email that said Congratulations and welcome to the family. I was asked to upload my photo id and Social security card. I did so. On XX/XX/2022 I received an email that my credit card was approved and being shipped by XX/XX/2022. I them click on the Create an Online Profile to setup my payment options and was unsuccessful. I them call Customer Support and I was then transferred to the fraud department. While speaking with the representative she stated that my account was being closed due to potential fraud. My last 3 of my Social security number did not match. Also my credit report should not been affect because the social security number belongs to someone else. I called numerous times to resolve this matter and was unsuccessful. I also called XXXX who will not dispute anything on my behalf. My score was dropped by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never made a late payment on these accounts , please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I started receiving phone calls from a collection agency, Portfolio Recovery Associates, LLC. regarding a credit card that according to them was opened about 5 years ago. I informed the collection agency that the debt was not mine and I had no knowledge of the debt they were referring to. I informed them I have no idea who they are and that I never had an account with them. I advised them to send me documentation of what they were referring to. I received info from them that they bought an account in my name from XXXX XXXX. I have never had an account from XXXX XXXX and again they were told that this is not my account and I am disputing this bill. I asked them to provide any kind of information ( check payments, my signature etc. ) to prove this is my account. The only thing they sent were bills in my name. I have repeatedly asked for more proof but have not gotten any. I keep telling them I do not owe this debt and I have no knowledge of this debt -- -- -it is not mine!!!!! I am constantly being harassed by this company after I asked them to stop. I believe based on the FDCPA laws they are breaking federal rules. I am receiving harassing phone calls practically every day. They have put the collection on my credit reports. I have repeatedly disputed this bill to no avail. I need this to be removed from my credit reports as this is reporting negatively against me. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-02-03 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: GA

Complaint narrative:
I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the XXXX XXXX XXXX are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$120.00} XXXX XXXX XXXX XXXX {$0.00} I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) / XXXX / {$470.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
BMW Financial Services has refused to accept a payoff on my lease account from a third party car dealership. The lease contract does not specifically prohibit this ( signed XX/XX/XXXX ) and BMW FS implemented this policy in XXXX of XXXX, in order to force the lease holder to turn their vehicle in to BMW, so that BMW may benefit and profit from equity in the vehicle due to the tight auto market. This is a deceptive practice as this was not expressly discussed at lease signing, did not exist at that time, does not specify in the contract, and harms the lease holder by denying equity they have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX XXXX I applied for a capital one secured XXXX with a credit limit of 200.00 when i make my security deposit of 99.00 before XX/XX/2022 in which I made that one payment came out on the XXXX of XX/XX/2022 the other one came out XX/XX/2022 one was for 50.00 the other one for 49.00. today XX/XX/2022 I get an email saying that I have been denied so I call them up to ask why and they told me I would have to wait to get my answers in the mail. I asked them for my money back and for them to fix my credit score they told me they would not fix my credit score and they did not say anything about my money. 

PS I JUST WANT MY MONEY BACK AND MY CREDIT SCORE FIXED PLEASE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
i called banking to close XXXX accounts with XXXX balance and was told i have to wait on the phone for over an hour to speak with the fraud department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to NAVY FEDERAL CREDIT UNION. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
A fraudulent transaction was induced in my account and I informed the company of this ; they said they would terminate the balance and send out a new card in the mail, which still has not happened ; instead the balance has been let to grow with interest and now they expect me to pay it, without any proof that I did it. No communication from them has been taking place, rather evasion via mail letters I sent and phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. 



XXXX XXXX. XXXX, XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. ACCEPTANCE NOW XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX XXXX sections XXXX ( XXXX ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-03 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: CT

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 



XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear XXXX, My loan with XXXX is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to XXXX settlement, and I even presented that stipulation.

Company response to consumer: Closed with explanation