vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The credit reports are showing i have a Bank of America credit card and i'm 30 days late paying. 
I do not have this credit card

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 2020-05-16 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:
XXXX FORMERLY XXXX Date opened/XX/XX/2020 Amount owed $ {$16000.00}

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 2020-05-16 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: TN

Complaint narrative:
XXXX FORMERLY XXXX Date openedXX/XX/2020 Amount owed $ {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company is reporting inaccurate information on 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 explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The company is reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
This company is listed on my credit report as a debt. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I've attended University XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was promised job placement before enrolling. I was advised once my XXXX XXXX XXXX was completed, I would be guaranteed to get an entry job in my field so I can gain experience. Because of what was being proposed to me, I believed the advisor and completed my associates and my bachelor 's with them. Since I've graduated, no job placement was provided to me. Due to no job placement and no experience, I am unable to get a job in the related field. Now, I am stuck with debt in the amount of {$59000.00} and no job in the field I've graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I have been lied to repeatedly by this company. Even the VP of customer service has lied!!! You get the run around. You get letters stating your loan modification is incomplete and letters stating its complete. Representatives are unable to confirm what is actually needed. They put my loan in forbearance then removed it with NO input from either borrower. They are dragging their feet. This has been going on for months. They dont deserve government backed loans

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 2020-05-16 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Well Fargo bank is showing i am 30 days late on payments.

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 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I have been significantly impacted by COVID-19 and requested for this creditor to assist us during our financial hardship. On XX/XX/XXXX, my husband and I spoke with XXXX, a Senior CSR and requested assistance. She was gracious and waived my minimum payment for XXXX however, little did I know that this would adversely affect my account and credit score. Furthermore, no where does the creditor 's website inform consumers that if they choose to have credit limit purchases approved, that once they go over their credit limit, it will be reported to the credit bureaus and decrease your credit score. I have recently disputed this with the credit bureaus as well. On XX/XX/XXXX, I paid {$50.00} hoping that it would cover the interest rate. On XXXX, the interest was applied which caused my account to go over the limit. On XXXX, I paid an additional {$40.00} to bring my account to a current status. Strangely enough, on my XXXX statement, my XXXX increased to 19.49 % and then dropped to 17.99 % on my XXXX statement. I previously requested to please have my interest rate reduced to assist me in paying off my balance but was refused. I have been a customer for over 4 years and have NEVER experienced any of these aforementioned issues like these before. My husband and I are disturbed that Capital One dropped the ball for so many customers that are still experiencing financial hardship. Needless to say, we both have opted out of allowing over the credit limit purchases to avoid further inconvenience to both our accounts. Moving forward, we will definitely continue to pay all of our accounts with Capital One but unfortunately, this matter has left a poor impression on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I had a car loan with Santander and traded in my car for a new lease with XXXX XXXX in XXXX, XXXX My new car lease went into effect on XX/XX/2020. XXXX neglected to pay off the balance in a timely manner. For some reason they paid all but {$15.00}. I tried to call Santander to pay it myself since I couldnt get anyone from XXXX to get back to me quickly. Santander said the remainder had to paid by XXXX at this point because the account was now their responsibility. They would not take a payment of {$15.00} from me. After several attempts XXXX finally paid off the balance and the account was listed as paid in full. However Santander reported a 30 day delinquency to my credit report for a late XXXX payment. I no longer owned the car after XX/XX/XXXX. I have tried to dispute it with Santander. They just tell me to contact the credit dispute center, and the dispute center tells me to contact Santander. I cant get anyone to help me. My credit took a huge hit that was not my fault. Over {$15.00}? PLEASE help me fix this. I am trying to buy a home and this has set me back. Why would anyone intentionally go 30 days delinquent over {$15.00}? I didnt even have the car after XX/XX/XXXX. Please help or help me find someone who will. XXXX has apologized for paying it late but Santander says they can not override the credit reporting even though it is inaccurate. They refuse to let me speak to a supervisor or offer any other solution other than to contact credit dispute. Please help me figure this out. I paid every single payment on tine with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: FL

Complaint narrative:
Hello, I have repeatedly sent the documentation requested to CoreLogic Teletrack to get my report and place a freeze yet they continue to sent me letters requesting documentation. I have also requested to be opt-out.

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 2020-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX I requested assistance from Discover Student Loans because of the Coronavirus and I was granted the disaster relief. However, as the situation hasn't changed much and XXXX XXXX residents are relatively still in lockdown at least until the end of XXXX as recently announced, I called Discover to extend the disaster relief on my account to find out that even though Discover has signed an agreement with Governor of California pledging to help private student loans borrowers with an extended disaster relief, now Discover is changing the terms of the original Disaster Relief and it will be charging interest during this time even though payments are not required. Not having to make the payment does help but charging interest during this time just creates a snowball that will only make the overall situation worse by the time repayment begins. On top of that, Discover is charging the variable rate wrong. Accordingly to the Discover Student Loan agreement, the variable rate is updated every quarter to reflect the new Prime Rate index so the rate is updated every XXXX, XXXX, XXXX and XXXX. However, Discover current rate which should have been updated on XX/XX/XXXX, is showing a Prime Rate Index of 4.25 % even though such index was officially reduced to 3.25 % since XXXX XXXX. Therefore, not only Discover is charging interest to all borrowers during a complete global crisis, they are also charging such interest at a higher rate than it should be. It is pretty unfortunate to see how such an institution ( Discover Financial Services ) which received taxpayer money as BAIL OUT back in the 2008 crisis for the amount of {>= $1,000,000} is now taking advantage of the same taxpayers that helped them when they were in crisis. I really hope the U.S. government can see and take measures against such a despicable show of greediness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Bayview Loan Servicing is the mortgage company. They have put " forced '' homeowner 's insurance on the loan. Despite the fact that I have provided proof of homeowner 's insurance through XXXX XXXX XXXX XXXX proof was faxed in XXXX to both their insurance and customer service departments ), made a follow up phone call in XXXX XXXX they stated they were " still reviewing '' ), the forced insurance was still on the XXXX invoice, and now I am in receipt of the invoice for the XXXX payment and the forced insurance is still present. This is over {$200.00} in forced insurance fees that should not have to be paid. I sent a letter on XX/XX/XXXX both electronically and via regular mail advising that if the forced insurance was still present on the statement for the XXXX payment a complaint would be filed. The letter also contained, yet again, a copy of the declarations page for the XXXX XXXX policy. Bayview has made no attempt to rectify this or reach out and discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have a dispute in place with XXXX XXXX. It has been ongoing ever since they charged me more for my per kwh than I agreed to. I have been trying to settle this with XXXX ; however, I have been unsuccessful. They sent this issue to IC Systems Collections while it was still in dispute. I am requesting that IC Systems remove this collection from all three bureaus as it is being unlawfully reported. I also contacted IC Systems and they hung up on me. IC Systems has no right to show this on my bureaus since it has been in dispute.

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 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MS

Complaint narrative:
I filed a claim with Paypal Prepaid at the end of XXXX. I cancelled that claim on XX/XX/XXXX because I was working with the business to get the issue resolved. The business XXXX has agreed to issue me my remaining refund on XX/XX/XXXX. However, Paypal Prepaid refuses to deposit the money into my account. I don't even have access to the other funds in my account either. Prepaid Paypal told me the claim that I requested to be closed numerous times wouldn't be resolved until XX/XX/XXXX. I refuse to wait that long and have more money deducted from my account. The issue with XXXX will be resolved as soon as Paypal Prepaid deposits their refund into my account. I filed multiple claims at the end of XXXX also. The other claims ( same issue ) were cancelled. 
Paypal Prepaid sent me multiple fake " permanent '' cards that I couldn't activate also. Paypal Prepaid told me that the cards were not in their system. Therefore, I couldn't activate them. My temporary card expired for this reason. Paypal Prepaid takes a monthly fee out of my account and I don't even have access to my money now. It has been a nightmare dealing with Paypal Prepaid. They send me the same generic responses most of the time.

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 2020-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received letters with barcodes that lead me to paintings for sale

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 2020-05-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Veripro Solutions Inc.
State: CA

Complaint narrative:
I received a letter from Veripro Solutions and while they did lower my amount owed it is not lowered enough to pay. I am requesting them to lower the amount so that I can resolve this debt they say I owe. While I do appreciate them lowering the amount they say I owe, they have given me less than a month to find a lender to refinance my house, which I am finding impossible to do because of the time and the lien they have on my home. I don't understand how a debt collector can only give you less than a month to resolve this issue. Currently my wife is unemployed because of Covid pandemic and finding a loan without her salary is tough. I feel that veripro is out of touch with reality and is not in the business of helping consumers to resolve these financial issues. If they really wanted to help they would be more sympathetic to us consumers and give us a fair settlement during these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Report Number : XXXX XXXX XXXX   XXXX DATE OPEN XX/XX/2017 My personal information was exposed in the XXXX  Data Breach in 2017 '' i've contacted Experian informing them of this matter after reviewing my credit file with them MYSELF my name is XXXX XXXX also went and file a police report and Demanded a investigation also i've file a FTC report myself about this identity theft problem that i've been battling with for years now!!! i also filed a consumer complaint with CFPB and recently Experian wrote me back saying that my CFPB complaint regarding my investigation does not appear to have been sent directly by me or to be authorized by me!! this makes no sense i called Experian myself in the past and also file disputes on they websites nothing was solve!!! and recently ive log into my Experian and try to re submit a dispute as told by them and i was locked out i called Experian XXXX number and i waited a 2 hours and still no one to speak to!! this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft! my next step if this problem continue ill be contacting a attorney because this is very time consuming and complicated i've did everything i can possibly do!! being that i dont have a history in credit or finance i will be contacting an attorney who specializes in predatory loans and breach victim compensation

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have repeatedly told them ( XXXX ) that they ( XXXX ) didn't run it through the insurance company ( XXXX XXXX XXXX  ) that I have, if they would have ran it through the insurance company it would have been paid. MY INSURANCE NUMBERS ARE AS FOLLOWS : ID # XXXX XXXX XXXX XXXX for 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 explanation
Consumer complaint received 2020-05-16 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: OH

Complaint narrative:
This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation