vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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 2020-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unable to access my dispute results with Equifax. I received an email saying I could log into see well I tried to log input the dispute case number. I got the following message below It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX   until XXXX XXXX  EST, seven days a week so that we can help. 

I even tried to call today XXXX XXXX went through the prompts waited for a rep only to be deconnected several times .today

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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:
Recently reviewed a copy of my credit report and found fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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:
Hi On XX/XX/XXXX XXXX,,,, I called Navient ( XXXX ) XXXX Student loan ( formerly Sallie Mae ) and I informed them about my difficulty of making payment and please I need forbearance until the pandemic is over. 

Prior the pandemic of Covit-19 I been making my payment on time with out any delay and established a great history as always making my payment on time. 

Going back to my call i told Customer service since i can not make this payment because of my unemployment status and can you please pause my payments without any late fees or can you please extend my loan period until this pandemic is over and SHE TOLD ME IN UPPER CASE THAT I WILL SUBMIT YOUR REQUEST BUT YOU STILL NEED TO MAKE A PAYMENT of small percentage of loan payment, which the loan is {$310.00} and we agreed only {$100.00}. So based on that i had no choice and made a payment of XXXX dollars on XX/XX/XXXX, which took away my food allowance money for my family. 

Few days later i received nasty, disgusting calls for collectors representing Navient which i had no clue it was a collectors and representing Navient, but soon after speaking to them and their tone i found out that they were collecting agencies, and you know these people have no mercy and no passion even at time of Covit-19. 

Today XX/XX/XXXX i was checking my account on line and i saw late fee charge for the month of XX/XX/XXXX = XXXX XX/XX/XXXX = XXXX total amount due for XXXX ... ... 

On XX/XX/XXXX i received another email indicating you need to make payment and your account is past due. 

on XX/XX/XXXX as a consumer i post a payment of only {$210.00} ... .. which this is all i can afford. 

This company is horrible and they have no compassion the way they treated me at the time of COVIT-19 ... .. what it really frustrates me THEY ARE NOT WILLING TO WORK WITH YOU EVEN IF YOU MADE YOUR PAYMENT ON TIME IN PAST AND ESTABLISHED A GOOD HISTORY WITH THEM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
Recently reviewed a copy of my credit report and found fraudulent accounts 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 2020-05-02 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: GA

Complaint narrative:
I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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:
I have contacted TransUnion & explained that this account for XXXX & XXXX does not belong to me and is a FRAUD opened accounts. I have provided them with a police report & identity theft report with this information, yet they still continue to report this account. These accounts need to be blocked and deleted from my credit reports.

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 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/20 we refinanced our current mortgage with Rocket Mortgage. Our loan should have funded XX/XX/20 but to date, our current mortgage hasn't been paid and we've received none of the proceeds. We were told we had to sign new documents because our online documents didn't match the hard copy dates. We signed new documents XX/XX/20 with promise the loan fund XX/XX/20 which it has not. My wife and I are being held XXXX by Rocket Mortgage because of their mistake. We received no phone call at home, emails or texts alerting us to the problem until Tuesday XX/XX/20. The worst lending experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This letter shall sever as the formal and last notice of my intention to file suit against your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 Equifax Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

I have moved forward with filing a report with the FTC and the CFPB. In four business days I will be filing suit against your company. My lawyer has advised, if this information is not removed from my credit file within four business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. Equifax was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against Equifax, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX   XXXX XXXX has failed to provide me with proper debt validation for the following incorrect accounts that they have listed on my credit file. 

1. XXXX {$260.00} 2.XXXX XXXX XXXX XXXX 3.XXXX  ( XXXX ) {$300.00} 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
We received an email notification from XXXX XXXX notifying us that our USAA / XXXX XXXX account Was ypted on our credit report XXXX  and XXXX was noted Past Due! We immediately check the credit report and it was noted the the XX/XX/2020 was 30-59 days late for the amount of {$1300.00} .... we immediately called USAA/ XXXX and inquired as to why they reported the last payment received was on XX/XX/2020 ... We were told that we were never late ever and that I even reiterated a payment that was by their doing was incorrectly posted to reflect just a " principal payment! '' I was assured it would be handle quicker than the 30 day time, ( 12 days ) and that I would receive an email confirmation for my records of the error in posting within 15 minutes of speaking to customer service ... no email receive, it's been 24 hours ... The contact information is : USAA/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: NM

Complaint narrative:
I have literally been trying to get this bill corrected for months now. XXXX XXXX XXXX  used the wrong codes to bill me for STANDARD XXXX XXXX  that is always covered under insurance. They coded it as " experimental '' which resulted in me getting a bill for the full price of the test. I called XXXX, they passed the blame to my doctor, I called my doctor, they said it's on XXXX. I told them repeatedly that I'm willing to pay whatever small amount I owe after the insurance covers their part, that's why I have insurance, yet I couldn't get any help. After months of calling, expecting calls back, not getting any answers, they put this on my credit report without properly notifying me. I didn't get any calls or letters from XXXX about this balance getting transferred to a collection agency. They billed me wrong, refused to help me, didn't properly notify me, and now they're damaging my credit. For your reference, the account was opened on XX/XX/2019, in the amount of {$160.00}. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
last week XX/XX/XXXX I got in contact with Westlake Financial Services www.westlakefinancial.com, in order to negotiate the deferment of postponement of my 2 loan that I have with them 1 ) XXXX XXXX XXXX loan was approved for around XXXX in XXXX of XXXX. 
2 ) XXXX XXXX XXXX : Loan was approved from XXXX in XXXX of XXXX. 
I spoke with one of the agents and explained that due to the severe impact of Covid-19 in our family financials we were not in the position of paying the car loans, I asked for a postponement of deferments of the payments and he said he wasn't authorized to do such request, I asked to speak with a supervisor and he refuses to transfer the call saying that the supervisor was supposed to say the same thing because they don't have a program to help anybody with financial issues. I asked to have a supervisor to reach me out otherwise I will report this to the authorities. 
I called today XX/XX/XXXX to see if anybody was available to deal with my request and obtained pretty much the same answer, I hope someone can help me to defer those payments ( I'm not asking to forgive that money ) in this difficult situation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: IL

Complaint narrative:
I have notified Equifax several times that I am a victim of identity theft and several accounts were opened in my name. I have given them the documents that they requested, yet they are still reporting Dept of ED/XXXX {$950.00} and XXXX XXXX {$630.00}. These are FRAUD accounts. I have requested in the past & requesting again that these accounts be deleted and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
I have recently purchased a Netspend prepaid debit card from the local XXXX XXXX. Upon purchase, I deposited an amount of in the card and got a receipt with amount deposited and that is activated. The card clearly states on the back that it needs activation using SSN and some other unstated form of ID for non-resident customers. Since they did not mention that what alternative form of ID can be, I assumed my passport and US working Visa will do. When I came to activate it, I spent 2 whole days trying to solve the issue of activating the card since the online activation system wasnt accepting the form of ID that I have and wasnt giving me any alternative. Not the company itself, nor XXXX, nor VISA nor the bank linked to the card answered my calls or guided me to what I am supposed to do to either activate or get my money back which I deposited in a local XXXX. After all this, I have no other choice but to consider that I have been scammed by the company and all the responsible parties who received the payment and claim there is no way I can use the card nor get a refund. Please assist me on what I can do to report 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 explanation
Consumer complaint received 2020-05-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I informed Chase of several fraudulent charges on my credit card via phone. Shortly thereafter on XX/XX/XXXX, I received a notice in the mail saying I " benefited from these transactions, '' which is impossible. The below charges are fraudulent, as I have now reported once through the company. 

Post Date Description Category Type Amount XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX * XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale -XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Sale -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Home Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: GA

Complaint narrative:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. 
Please send me that information or remove these accounts from my credit, the law is very clear about this. 
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 2020-05-02 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: Total Card, Inc.
State: ME

Complaint narrative:
I submitted a request for verification to XXXX XXXX XXXX , XXXX 0n XX/XX/2020 in regards to a XXXX XXXX XXXX  account. I received a letter saying the debt was returned to the original creditor. Thus, I contacted Total Card, Inc. on XX/XX/2020 and received a letter stating that they sold the account to XXXX XXXX XXXX. There is no way to settle this debt and I would like it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I suffered from identity theft after the XXXX  credit breach. My capital one credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am charged for the amout of {$420.00}. On the charge card statement there is no explanation for this fee. On XXXX XXXX Capital One has me credited for {$400.00} but the credit card number is different. The description is XXXXt XXXXPA. On this same statement his bank has me owing XXXX  {$400.00}. The account number is different. This XXXX charge remains on the new credit card account number. I do not know nothing about this charge.

Company response to consumer: Closed with explanation