vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: IN

Complaint narrative:
I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the Equifax data breach. Please fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the XXXX data breach. Please fix this immediately.

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 2020-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I originally contacted Santander on XX/XX/XXXX regarding a fraudulent collection account reporting on my credit report. I spoke to someone in the Fraud Risk Dept and notified them that the account was opened without my permission or knowledge. My identity was used by my father who shares the same name as me. I requested they investigate the account. I was told I would need to mail them a dispute in writing in order for them to start an investigation. On XX/XX/XXXX I mailed Santander a dispute letter. Santander never responded. XX/XX/XXXX I disputed the account with all three credit bureaus. Santander responded to the dispute stating the account belonged to me. I was told by all 3 bureaus I would need to dispute the account directly with Santander to proceed. I then contacted Santander 's Fraud Risk Dept and was told someone would investigate the account and I would receive a confirmation via mail. 

XX/XX/XXXX I received an identity theft claim form packet from Santander. XX/XX/XXXX I mailed it back to them. It is now XX/XX/XXXX and Santander Bank has still not investigated the fraudulent account. They continue to report the account as late and have not notified any of the credit bureaus that the account is under investigation. 

On XX/XX/XXXX I filed a XXXX XXXX Complaint. Case # XXXX. The complaint was in regards to Santander consumer failing to respond to my dispute. After filing the complaint, Santander responded by contacting XXXX, XXXX, and XXXX  and updating the disputed account 's information. They did not notify the three bureaus that the account was under investigation. Instead they changed the account close date from XX/XX/XXXX to XX/XX/XXXX. The date of removal was also changed from XX/XX/XXXX to XX/XX/XXXX. My credit scores have all dropped 100 plus points due to the change. I contacted all three bureaus and began disputes. The disputes all came back as verified. I was told that each credit bureau validates the information through the creditor and if I have proof that the dates were changed I would need to file a civil suit. 
I have copies of credit reports dating back to XXXX and as recent as XX/XX/XXXX which report the original close date. 

XX/XX/XXXX I mailed Santander Consumer USA another dispute letter and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
It has been almost 7 months since this happend to me and my business. I received a XXXX grant In XX/XX/2020, this year. The funds were in my account untouched for two months. There was no freeze or any kind of action against my account, at Navy Federal Credit Union. I went into the branch to make a withdrawal with proper identification, and I was treated the worst possible way, the staff and managers, not only embarassed me, but singled me out and had the fraud dept freeze my account. I then called the fraud dept of the bank, from the bank with the Small Business Association on the phone line as well, for a conference call. The purpose of that was to let the sudden flag for fraud alert that the teller/manager put on my account removed. After speaking with the fraud department in the conference call, they allowed me to make the withdrawal and removed the fraud block. At this time im almost 5 hrs into being at the branch on XXXX XXXX in XXXX sc. I handed phone back to the office manager to be certain the fraud specialist cleared up the issue. I then went back in line, waited about 30 minutes, I had in hand, my 2 forms of state issued IDs and filled out withdrawal slip. Then to my amazement, the teller is refusing again to let me make the withdrawal. I ask for the manager that was sitting with me during conference call. She came up and said they now need to verify my military background. Im just looking at these people wondering why they are completely against me making a withdrawal. I explained to them my account has been open around 6 months. Now suddenly uour questioning my military background. I almost called the police on these people workng at the bank. Im now in this bank for 7 hrs and 30 min. Not to mention, the hour drive to the bank. The manager at the bank confirmed my military status and again, i go to teller counter to make withdrawal and the lady tells me again to call the fraud department again to remove the flag the manager placed on account questioning my military background. Its now XXXX  and bank is closed. They refuse to let me make the withdrawal, I was very insulted, embarrased, and completly was singled out. The teller commented that I am the only white person that had been thru the bank all day. She just laughed and laughed with her other co workers. I asked what was that comment for. They just laughed. I left bank and returned the next day at XXXX. The lead teller told me I dont have funds available in my account. The sba can not redeposit my {$10000.00}. I have contacted Navy Federal Crefit union repeatedly. They wont return any calls or letter I sent in. They are responsible for my loss, and need to be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
My son fell ill, couldnt pay bills, so I consolidated them through freedom debt LLC, in XX/XX/2019. As a couple months went by I noticed they were not paying anything and my credit declined even more. I canceled thinking that I would get my money back thats in the program and they would not give it back. This is months later. I didnt realize that it was fraud until another credit repair company told me that what they did is fraud and Not ok in California. I lost a more then {$3800.00}. 

I want my money back. When talking to a lady the other day she gave me the consumers finance information and I literally wanted to cry because that company was supposed to help me ... not take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Purchased a bed from XXXX XXXX  They delivered the bed in damaged condition with stains all over it. While the delivery guys were still at my house I sent the salesman 17 photo 's of stains on the bed as well as damages the delivery guys did to my house. The delivery guys refused to take the bed back with them and left before I got off the phone with the salesman. XXXX XXXX submitted a FORGED Delivery Receipt with a signature that is supposed to be mine but isn't mine. In fact it just looks like a big " XXXX ''. It's absolutely ridiculous!!! So my credit card ( Barclays ) originally credited me for the purchase price of {$1300.00} but then they turned around and gave XXXX XXXX  back their money. I called XXXX XXXX XXXX  Corporate Office on the day this mattress was delivered and complained also. XXXX XXXX refused to come and pick up their mattress so I brought it back to their store myself. So at this point I am out {$1300.00} and have no bed!!!! THIS IS INSANE!!!! The NC Attorney General Is working on this also Case # XXXX XXXX XXXX. I'm filing this complaint in Delaware because my credit card 's HQ is in your state. Barclays XXXX XXXX XXXX XXXX XXXX, DE 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 2020-12-18 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: CA

Complaint narrative:
In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to Experian, XXXX and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : XXXX XXXX Experian- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from XXXX  on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did XXXX need to update? Experian results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : XXXX-XX/XX/XXXX Experian/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : XXXX- {$2900.00} Experian- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : XXXX- {$3000.00} Experian- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : XXXXXX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX investigated and believed this was accurate, XXXX  & Experian last update was in XXXX. 5 ) DATE LAST ACTIVE : XXXX-XX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : XXXX/ Experian:XX/XX/XXXX XXXX- XX/XX/XXXX As an XXXXonsumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.

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 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am short on funds this month and used Paypal 's Pay in 4 installment loan to pay for a large purchase that could not be delayed. My first payment of {$69.00} went through without issue on XX/XX/XXXX. The rest of my payments were scheduled 2 weeks apart. I like to control my finances as much as possible instead of letting my money being taken automatically whenever possible. My next payment was scheduled on XX/XX/XXXX. I got my paycheck direct deposit on XX/XX/XXXX and used part of it to manually submit {$69.00} for my second payment.I expected my loan status to show 2 of 4 payments complete but instead it showed 3 of 4 with one remaining. I was charged for an extra payment I did not authorize Paypal to make a seond payment on the XXXX. I spent the next day leaving messages to paypal 's customer service because Live chat was no available. I was repeatedly told it could not be reversed and nothing could be done even though I did nothing wrong. All I want is my {$69.00} back so that I can pay another bill this week. I would then pay the 3rd payment on XX/XX/XXXX as planned. Paypal is forcibly denying that normalcy due to their failure to properly charge me only once. Paypal does not even let me claim a problem with the transaction through thier own Resolution Center. It instead offers me a link to look at the User Agreement. I looked over the agreement but could not find any section that shows Paypal is in the right here, but to contact the Resolution Center if there an issue. The company is sending me in circles in order to fix thier own mistake to give back the moeny they stole from me. I have also disputed this with my bank but have not yet heard a final response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN JEFFERSON CAPITAL SYSTEMS ARE REPORTING A FRAUDULENT ACCOUNT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME TO ALL THREE CREDIT BUREAUS. I SENT A LETTER ASKING FOR VALIDITY OF THE ACCOUNT IN QUESTION TO PROVE THIS ACCOUNT IS ACCURATELY REPORTING ON THE RIGHT PERSONS FILE BACK ON XXXX XXXX AND I HAVE YET TO GET A RESPONSE. I CLEARLY STATED THAT I WAS NOT ASKING FOR VERIFICATION OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVED NAMED TITLE SECTION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec.809 ( b ). THAT THEIR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. AN BASED ON THE FTC SITE I KNOW THEY HAVE STRICT POLICIES IN REGARD TO YOU REPORTING CONSUMER DATA. I ASK THE TO SHOW ME PROOF THAT THEIR REPORTING IS 100 % ACCURATE. DO NOT SEND ME A GENERIC PRINT OUT OR A BILLING STATEMENT. PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX  ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to XXXX, Transunion and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : Transunion XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from Transunion on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did Transunion need to update? XXXX results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : Transunion-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : Transunion- {$2900.00} XXXX- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : Transunion- {$3000.00} XXXX- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX  investigated and believed this was accurate, Transunion & XXXX last update was in XX/XX/XXXX. 5 ) DATE LAST ACTIVE : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : Transunion/ XXXX:XX/XX/XXXX XXXX- XX/XX/XXXX As an consumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX  and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.

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 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
I took out the {$200.00} loan a few months ago. I mailed by last payment of {$260.00} priority mail on XXXX XXXX it was received into their post office box XXXX XXXX. I had a tracker. They say they cant find it and to wait 14 days. It has been 14 days abd no one will help to find my payment. I have a copy of my money order and priority mail receipt. Please please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I contact Comenity Capital Bank several times requesting financial assistance due to Covid19 unemployment. On XXXX XXXX, I requested payment assistance and a waiver of interest. Instead of assisting me during a financial crisis, the bank sent me a reply email stating the following : " Thank you for your recent inquiry. Attached you will find the documentation you have requested. Please review and if you have any questions you may respond directly to this email ''. This letter informed me that rather than offering me deferred payments, my my credit reports were checked and my credit limit of {$4500.00} was lowered to {$300.00}, which was the amount owed on the account. 

Also note, the website indicates to contact the bank for financial assistance due to Covid19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I requested a forbearance from Firstmark Services, the servicer for my XXXX private student loan, in XX/XX/XXXX because of financial hardship due to reduced work schedule and childcare needs during Covid 19. I was told I would receive communication from the company informing me whether I qualified for a forbearance. I received no such communication, by electronic or paper means. There is no forbearance or deferment application available on their website -- calling the company is the only way to receive an application. 

I made a payment of {$550.00} on XX/XX/XXXX, but was unable to continue payments for the following months for the reasons stated above. On XX/XX/XXXX, I called FirstMark to again request information about forbearance. I was told I qualified to apply for forbearance and would receive an application by email, which I would need to return by XX/XX/XXXX to avoid negative credit reporting. I received no application. On XX/XX/XXXX, I called FirstMark again to request a forbearance application and was told a rush request was placed and that I would receive a forbearance application in my email by XXXX central time on XX/XX/XXXX. I received no application or other communication from them. 

As a result of FirstMark 's delay, negative information will be added to my credit report. I understand the responsibility for paying my loans, did so when financially able, and intend to do so when I am again able, which will likely be XX/XX/XXXX. I am waiting to start a new job, information I shared with FirstMark. However, while I am waiting for this new opportunity to start, FirstMark is obstructing my ability to take reasonable temporary measures to protect my financial health, all in the midst of a pandemic. To add insult to injury, FirstMark has started calling my former employer in an attempt to collect this debt, completely ignoring the fact that I have been trying to resolve the issue with them through established channels and that the account remains delinquent in part as a result of their own inaction and borrower unfriendly processes. 

Please note that the only way to email FirstMark services from their website is to fill out a form that leaves no paper trail on the borrower 's end. Thus, I have no documentation to submit supporting this claim. Presumably FirstMark has records, which I can only hope will be accurate and which I can only hope they will be willing to share if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was in deferrance and on disability and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years

Company response to consumer: Closed with explanation