vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 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: TN

Complaint narrative:
HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/20 Capital one restricted my Walmart Credit card. 
I was sleep but before I slept I was advised to submit my, social security number, bank statement. 
I asked my wife to do so. 
She submitted everything correctly except my old ID before I got my XXXX tanker I'd updated. 
Which was a three.minth old ID. 
So after calling Capital ine 100 times to explain the mistake they said they were not going to lift the restrictions and they were going to pla lce a negative on my credit report for fraud. 
That is wrong for them to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC 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 2020-03-28 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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
Consumer complaint received 2020-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A 30-day late fee was place on my credit report with Capital One. They stated that they did not receive sufficient funds from my bank XXXX XXXX XXXX XXXX XX/XX/2019. My bank has sent a letter to them disputing this and informing them that sufficient funds were available during the time they attempt to collect the payment. Capital one will not resolve this and remove the negative mark on my credit or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: KS

Complaint narrative:
Said theyd implement 0 % interest on loans backdated to XX/XX/XXXX. It is XX/XX/XXXX and my loans are still accruing interest. I emailed them this week, havent heard anything. Many people have asked on their XXXX page about it but I still havent found information about when they will follow through on applying the 0 % interest. 

Both my former servicer and my friends servicer have already implemented 0 % so I dont see why FEDLOAN has not. Please make them implement this. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SYNOUSBK/XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: MI

Complaint narrative:
US Bank 's XX/XX/XXXX letter supplied to the CFPB contained lies and US Bank should be held accountable for lying to me and your agency. I have definitive proof. US Bank claims the {$25.00} they claim is owed is for a late payment for XX/XX/2019 is a lie. Attached is my letter to US Bank of XX/XX/XXXX. Attached as well is a copies of my checking XXXX account statement that definitively proves that I paid US Bank {$310.00} in early XXXX for the payment that was due in XXXX. This {$310.00} represents the normal monthly payment of {$290.00} plus the {$25.00} late fee owed for XXXX 's late payment. Also attached is a second page of my XXXX checking stmt showing that XXXX 's payment was also posted later in the month. Attached is my letter and the overwhelming documentation proving, without question, that I don't owe US Bank {$25.00} for XXXX 's late payment ( because the late fee was promptly paid ). The original complaint was XXXX. CFPB should have NEVER closed the matter, because US Bank lied. CFPB shouldn't just close a file because a vendor responds, if you are going to really defend consumers, we need a chance to refute errant replies like the one US Bank sent in this case.

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 2020-03-28 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: NV

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Equifax for validation of unverified accounts on my credit report to request an investigation. My letter was signed by notary public acknowledging my driver 's license, and address which affixed to my letter as true and correct. I sent letter certified mail which was received by Equifax on XX/XX/2020. I received a letter back from Equifax who stated that I did not send the correct documents to verify my identity or address. I did send a copy of my Social Security Card along with my valid driver 's license with a copy utility bill with stated address into which they updated my address on my credit file. Equifax did not honor my dispute letter and requested that I send two documents to verify my identity and my address. I wrote a second letter to Equifax on XX/XX/XXXX attaching two documents that they requested to investigate my dispute. The two documents that were sent was a copy of my driver 's license, and a copy of my employer check-stub that had my address on it. I also sent the original notarized letter with my Social Security Card attached. My second letter was also sent certified mail as well which Equifax received on XX/XX/2020. On XX/XX/XXXX, I received yet another letter that Equifax states that they need two documents to continue with my dispute which was the same letter they sent before. At this point not only has it now surpass 30 investigating days. Equifax has violated my right to dispute accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I contacted Navient about my co-signed private student loan and asked for a 90 day disaster deferment which is listed on their website as available, due to coronavirus. My store XXXX where I work has reduced hours, Im at XXXX hrs now and could drop again in time. Additionally I am already at or below the income poverty line in the State of California struggling to get by as it is before the pandemic. I rent a room in my parents house, I must pay for food and gas still and I am taking a huge risk working at my store where I could contract the virus. I have no health insurance and I have XXXX  XXXX for years now so if I got sick I would not have enough money to pay for treatment. I expect a stimulus check for maybe $ 1000- {$1200.00} but that would not be enough if I was hospitalized. All I asked for was 90 days deferment and they refuse just because Im still employed and because my father is working from home. He has huge medical bills paying for my mom and she just had XXXX, plus debt of his own and hes been on 25 % reduced paycheck for over a year. He can not afford to pay it. Navient only offered to lower the payment from {$250.00} to {$120.00} per month for just a few months which I said I can not afford. 

Additionally, an XXXX XXXX I was applying for got put on hold so I cant even start that to gain experience to get a better paying job so that I can actually afford my bills and get out of debt. This pandemic just deleted my ability to save for an emergency and my future and heres Navient doing nothing to help me. 

Its unjustified and I humane to refuse 90 days deferment during a global pandemic and forcing people to choose from a bill or to taking care of oneself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have a {$26000.00} credit card balance with American Express. I was with them for 21 years as a customer. A couple of months ago, I had run into a few delays on a XXXX XXXX I'm working on. 

After 21 years, Amex decided to cancel my account, confiscate my points and demand payment in full of my account. 

Amex has a policy of giving its customers four months before it sends an account to collections. But now, just 6 weeks after I last made a payment, they have sent my account to collections, even though I told them I needed one more month. Coronavirus has tanked my income, but in the middle of all of these companies offering forbearance for people whose businesses are suffering from Coronavirus - Amex JUST SENT ME TO COLLECTIONS THIS WEEK. I JUST GOT THE LETTER. CAN SOMEONE TALK TO AMERICAN EXPRESS? I TOLD THEM I WOULD PAY THEM. I HAVE MULTIPLE XXXX FOR SALE. IF I SELL ONE, I CAN PAY THEM IN FULL, BUT NOW THEY ARE GOING AFTER MY CREDIT. 

AMERICAN EXPRESS DOES NOT CARE ABOUT XXXX XXXX, IT ONLY CARES ABOUT THE APPEARANCE OF CARING FOR XXXX XXXX. BY THE WAY UP UNTIL NOW, I HAD A XXXX CREDIT SCORE. AFTER THEY ARE DONE WITH ME, I'M SURE IT'LL BE MUCH LOWER. AMERICAN EXPRESS IS NOT FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian reporting agency is not reporting accurate credit history, that I have established credit, and inaccurately reporting that I have a collection/judgement on my report. This is based on information I received from an adverse credit decision that was not approved due to this report. I am current with all of my accounts, should not have any collections to be owed in my reports, or judgements.

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 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX/XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should  redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of  Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2020-03-28 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: Army and Air Force Exchange Service
State: LA

Complaint narrative:
XXXX XXXX XXXX has opened a charge account a credit card account at this place of business under my name using my social security number and my creditials with out my knowledge without my permission without my consent with out any authority from me he has charged multiple purchases on this account acquiring numerous debt under my credit under my social to where debt collectors are persuing methis criminal has a record has past charges of this type of action I have email documents from a previous court preceding showing his actions and how other court systems in Louisiana Georgia and Texas  has ruled against his actions this is not my account and I should not be held liable for it

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 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld system wants tonvolletc a debt owed to a medical.company in the amount of XXXX they discussed my medical procedure which I'm not sure how they knew about it because I dont owe transworld. I never had a medical procedure with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Around XXXX to XXXX, I obtained student loans in amounts totaling about 23000. in XXXX these loans were consolidated with a American Education Services ( AES ) which called me over the phone and offered to help me with my repayment. I was set up for a payment plan that i thought was manageable, between XXXX and XXXX, but I did not know that it wasn't actually paying off my loan. I was only paying interest for about 10 years without any actual change. In XXXX I decided to consolidate with Fedloan and attempt to enter the Student Loan Forgiveness Program. During the re-consolidation I entered into delinquent status for not making the  regular payment on my loan, but I wasn't getting any feedback from the new loan holder Fedloan. Little did I know that these two companies are one and the same, and they could have both easily seen the status of my account. Of course this affected my credit score. But the worst part was that somehow my loan was compounded from an original balance of XXXX to XXXX when Fedloan took it over, which is close to what I still owe today. I have paid {$10000.00} total to fedloan, but have only paid {$2500.00} on my principal since XXXX. When I look at my payment history i see several months of payments going straight to the interest but nothing to the principal, even when i know I'm ahead on my payments. Meaning it should be going to principal. I believe this company AES/Fedloan/PHEAA is engaging in predatory lending practices and abusing their ability to manage borrowers money. I do not believe they intend on actually assisting borrowers with paying down their loans, but instead keep them confused about what exactly their payments are covering. Also, the fact that they go by different company names and can transfer a loan from one to the other and add several thousands of dollars should also be considered a fraudulent business practice. If i can speak to an attorney and explain my situation i believe i would have a case against this company for their misleading behavior and abusive business practice. i don't believe my complaint will actually help me or anyone else because i have seen other complaints come here to die. It is obvious that the corrupted practices of this company and this " official '' complaint service are nothing more than another dead end/misleading business practice.

Company response to consumer: Closed with explanation