vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Student Loan < Repay Assistance date Tuesday XX/XX/2021 XXXX XXXX  : As the cosigner for XXXX XXXX student loan you are responsible for making payment on the loan I XXXX XXXX XXXX address XXXX XXXX XXXX XXXX New York XXXX has not or never has signed for a student loan from Discover Bank : As suggested I have called, placed a credit block on my credit and sent them a cease and decease letter I personally have request from discover bank to send me record of my signature how much is owed : I never received any copies of the loan stating the interest rate repayment plan nor have an understanding of when the loan or what type loan was taken out until I received an e-mail claiming I owe them money I am being ask to repay a loan without a loan number : P : s For tax purpose Ein # would be used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
Please note I established an account with Gemini XXXX XXXX ( https : //www.gemini.com/ ) on XX/XX/XXXX of this year. 
Once the account was setup I have not received any confirmation emails and after further checking I realized I must have misspelled my email address at the time of registration. 
The first time I contacted Gemini was one day after registration on XX/XX/XXXX asking how the issue could be resolved. 
Since XX/XX/XXXX it has been back and forth with Gemini requesting I send a message from the email I registered with, which I obviously can not due since I misspelled the email initially. 
I have offered to confirm my identity in numerous other ways and at this point all I'm requesting is for Gemini to delete all my personal information ( substantial amount including my social security number ) I had to provide at registration from their system. 

Please note I have all email exchanges between me and Gemini customer service which I could provide if needed. 

Thank you! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae approve me as a co signer@12.5 interest on both variable and fix rate for $ XXXX for 1 year with monthly payments over {$540.00} for 144 month. My son may need this loan for 4 years meaning $ XXXX with payments over {$2200.00} monthly after he graduates. I called them and they said thats a system approval and nothing they can do. My credit is over XXXX and their advertisements shows rates from 1.5 percent. How my son will pay this amount after graduation. This is not right. We are setting my son to have stress to make this payments. This is predatory XXXX XXXX  when you set up an individual for failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: FL

Complaint narrative:
In XXXX I sent an letter into Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. On XX/XX/2021 they removed 1 account & removed another on XX/XX/2021from my consumer report. Today on XX/XX/2021 they have placed both of those accounts back onto my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. XXXX  already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX  - a.k.a XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, has report me to Experian as being late on payments greatly effecting my credit score. I do not now or have ever owned any financial obligation to this company. 
I disputed this account through Experian and the company, XXXX XXXX XXXX XXXX replied by certifying the account and then changed the account name to XXXX XXXX XXXX XXXX and account type from " Maintance Fees '' to " Loan Payments '' which dropped my XXXX  score even lower. 
Not only am I not financially obligated to this companyXXXX, they are not allowed to drop my credit score in response to a 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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I noticed that I have an available balance of {$100.00}. Therefore, I purchased a delivery of XXXX  from XXXX in the amount of {$22.00}. 

However, due to the quality of my order, I requested a refund, which XXXX reimbursed back to my card ending in XXXX ( please see attached ). I noticed that the bank has failed to process the {$22.00} credit back to my account, which now shows that I have a low available balance of {$76.00}. Instead, it should show the previously available balance of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MD

Complaint narrative:
Greetings, I am sending this email in regards to the unfair acts from the credit bureaus ( all three ). I have made several complaints with each bureau, the consumer financial department and FTC. FTC was actually the organization that directed me to put in a complaint here. This is all new to me so please bare with me.

I analyzed and repaired my own credit and was successful enough to get the results I wanted but not fortunate enough to get the score that's earned. I have been working delegently on my credit report for about 3 years now. I understand what was needed to repair my credit and I did so, even if it required me to pay off the debt ; I did what was necessary. 

I was very excited about the process and the possible outcome until I realize that my score hasn't moved much since I started ; That's when the disappointment came. Within 3 years, my score would go up and then drop again. I know you probably believe I am a person that has alot of collections, because I apply for credit and never pay the creditors back. Nope! I can't even get a department store credit card, because I am set back by the credit bureaus. I will need cash for everything and how easy is that to come by living in poverty. And even still, I don't make irrational decisions like that. I've noticed in the past 3 years, the credit bureaus will for example : take my score from 617 to 598 then take it back to 617. It will never move beyond those numbers even with good standing accounts.

Something doesn't seems right. I've open up two secured credit accounts with my bank about 8 monthd ago. Accounts are paid on time and when reported to the credit bureaus, they will not raise my score. I've even opened up an additional secured loan to help me and nothing. My score remains the same which is unfair. I have no delinquents or collections and my credit score looks bad. 

My report doesn't reflect my score and this is holding me back tremendously. All I am asking is that my case can please be heard and reviewed. I did all I can do on my end to better my credit report and I feel stuck in a limbo. I believe there is an error or some type of bias going on, because I can't seem to understand this process and how consumer 's aren't being treated fairly by the credit bureaus. 

This is probably happening to alot of consumers, but noone isn't noticing, so they can't complain. I always observe my report, especially because I'm working on it and I have noticed an unfair pattern that I am very disappointed about. Can someone please assist or point me into the right direction? Thanks in advance. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NV

Complaint narrative:
Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: FL

Complaint narrative:
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 XXXX 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 listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden one has still not addressed the issue properly as a business institution should. There have been claims that my story has changed which again is falsified information. My story never changed. It has been stated that I was given multiple reasons why my claim was denied which again is incorrect. My claim was only denied based off of speculation on where the card had been used. So I need documentation and proof of evidence stating exactly why my case was denied and the evidential factors as to why my case was denied. I have filed a police report in this matter and need sufficient reasoning as to why my case has been denied. Extensive research was supposedly conductive but during this research XXXX stated I used my credit card at an ATM which again was false information. She was adamant about this and stated I had been using my credit card at the ATM which let me state again never happened. So I have been targeted by XXXX which what seems to be a personal vendetta during this claim investigation rather than any help what so ever and shes suppose to be a manager. Very disappointed in Golden 1 and how this claim has been handled. Golden 1 even makes false claims on their website stating members have zero liability for fraud. So yes I need a letter and documentation of the evident golden 1 claims they have on this claim which should be no problem for them since they conducted extensive research. Type it in a letter in depth and with great detail. Thank 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 2021-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
On Today XXXX XXXX I noticed on my credit file that Vance & Huffman placed a collection on my Credit file .Vance & Huffman has violated my consumer right Pursuant to 15 usc 1692 a ) '' Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium in this specific case you Vance & Huffman used ( XXXX  credit reporting Agency ) to communicate to me indirectly with me a consumer who is defined under Pursuant to 15 usc 1692a ( 3 ) as any natural person allegedly obligated to pay any debt. You Vance & Huffman are also in violation of USC 15 1692b ( 2 ) which states you may not state that I a consumer owes any debt. You are also in violation 15 USC 1692e ( 2 ) ( A ) by giving false representation of the amount owed to you or deceptive means to attempt to collect any debt Pursuant to USC 15 1692e ( 10 ) Vance & Huffman has also violated my consumer right Pursuant to USC 15 1692 e ( 9 ) articulates that the use of any written communication which you creat false impression as to its source, authorization, or approval as Vance and Huffman is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to USC 15 1692a ( 4 ) Vance and Huffman pursuant to USC15 1692 a ( b ) are in violation as I never gave my Personal information directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

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 2021-07-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I was notified by the XXXX  of Equifax response to my complaint regarding their FCRA violation regarding refusing to remove Bankruptcy that is unable to be properly verified. They continue to state they verify through third party. However, I have uploaded and sent them letters from the Courthouse and Pacer stating that neither report to third parties or to the credit bureaus. Each entity also stated they do not verify the information. 
Therefore, if neither entity verified the supposed bankruptcy and neither report supposed bankruptcy to third parties or to credit bureaus Equifax is in direct violation of FCRA and my consumer rights. I have subsequently filed an FTC report against Equifax regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Wise Recovery Solution LLC
State: SC

Complaint narrative:
I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I owe credit card debt to Chase. I have asked the company to quit calling me more then one time to the same number. I contacted them again on XX/XX/2021 and spoked to a XXXX ( Supervisor ). Chase is calling me from XXXX. They called my wifes 's number twice to the same number within 30. They called her at XXXX and again at XXXX. They have been doing this for several months. This is clearly a violation of FDCPA. I have told them on a number of occasion not to call me or my wife I even sent a letter in. They are charging me absurd fees and late charges of {$160.00} a month. I have had an XXXX XXXX and currently have the XXXX XXXX. I tried to resolve this debt for {$7000.00}. I owe {$13000.00}. However my brother passed away and I had to pay for funeral expenses. They keep on calling me twice a day to my wife 's number ( XXXX ) XXXX and my number XXXX. This is stressing me out and causing XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well.

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 2021-07-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief