vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I stopped using XXXX prepaid wireless service on the XX/XX/XXXX. On XXXX/XXXX/XXXX I contacted XXXX to reconcile my account because they had deducted money for the month of XXXX even though the service was discontinued. They reviewed the account and told me the account is reconciled and i don't owe them anything. I took some snap shot of the conversation i had with the representative by name XXXX. Then last week i saw my credit score dropped by more that 100 points so I requested my credit report only to find out XXXX has reported that i owe them {$130.00} and its in collection and showing as an adverse report on my credit.I contacted XXXX to fix the error and they requested the snap shop of the conversation which I did but nothing have been done since. I never defaulted on any payment with them and i would gladly pay if I owed any XXXX to them I asked the representative to check the record on XX/XX/XXXX and she told she cant. Why would a company like XXXX not have a record of customer discussion on file? is it so they they can prey on poor people like me with claim of no evidence of any communication? Please look into these because i believe probably there are several people who have suffered this plight. I live paycheck to paycheck but i have tried so hard to ensure my credit is good only for XXXX to just ruin everything because of their greed and lack of documentation. This is not right and i hope I can get answers from you. 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 2020-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Was trying to link my account to XXXX XXXX and it will not connect. It keep saying that you will not verify my account to link with XXXX XXXX. I am losing out on thousands of dollars because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX 30 DAY LATE FOR XX/XX/2019. ASK THE COMPANY TO SHOW PROFF, THEY HAVE FAILED TO ACKNOWLEDGE AND SHOW PROFF IN VIOLATION OF CREDIT REPORTING ACT

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 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was due to have one overdraft fee on my account, the financial institution rearranged my transactions retroactively to apply additional NSF fees. Calling to have the issue resolved helped with the first fees mentioned, however, two additional fees of {$38.00} were applied to my account. All agents and representatives advised their policy allows for two fee reversals per year. I immediately opted out of overdraft, but still remain in the negative about 3.5 hours of my hard earned labor due to this financial institutions consumer harming business practices. The file below shows reasonably the fees were legitimate, however, after contacting ALL the merchants affected, I was advised that the charge they're showing was FULLY debited from my account two days prior to this, meaning that BBVA restructured the transactions to maximize the amount of fees on my account. I have spent 14 hours on the phone between my bank, merchants, and this seems to be the final option to resolve this issue caused by predatory banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed a new recent Total Checking Account and Credit Cards Account open under my information without my knowledge or consent. I did not acknowledge any of these accounts. Please verify authenticity of the account holder. I did NOT consent or acknowledge of these unknown account open under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I completed and mailed income repayment plan ( IBR ) documents and verification of Social Security and XXXX benefits to Navient on XX/XX/XXXX. I received a letter from Navient on XX/XX/XXXX. I called Navient to ask why they can not accept our verification of retirement income benefits. XXXX, a Navient IDR agent, informed me that our documents were not acceptable because they were not current. Although, my husbands Social Security verification letter was dated XX/XX/XXXX and my Social Security verification letter is dated XX/XX/XXXX both letters show our current benefit amounts and that these amounts have not changed. 
Documents I submitted clearly show that I have been receiving monthly Social Security Retirement benefits in the amount of {$1700.00} starting XX/XX/XXXX and that I will begin receiving {$1300.00} after taxes have been deducted on or about the third Wednesday of each month thereafter. I also attached verification of my federal ( OPM ) benefits and that amount is {$1800.00}. 
My husbands Social Security Retirement showed that starting XX/XX/XXXX, he would receive {$1800.00} on or about the second Wednesday of each month. My husbands XXXX verification form showed his federal pension amount is {$2800.00}. 

I am just not certain why Navient needs proof of my husband 's income as was in school from XXXX through XXXX and received student loans payments before I married my husband. 
I am just so frustrated with Navient. I was a federal employee for 25 years, from XXXX through XX/XX/XXXX. In XXXX when I inquired about loan forgiveness, Navient told me that they did not have a loan forgiveness program. I inquired again and applied for loan forgiveness in XXXX. At that time, I was told did not qualify for loan forgiveness as I would have to work an additional 10 years from the date I applied for the loan forgiveness program to qualify. I am XXXX years old. I have elderly parents. I needed to retire in XXXX to care for my ailing parents. There was no way possible that I would be able to work another 10 years. This is the second time I have applied for the IBR program. Last year when I applied, Navient gave me such a difficult time and now again, this year, they are putting me through a difficult time. I contacted Congresswoman XXXX XXXX 's XXXX in XX/XX/XXXX and of today, I have not heard from them. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2019 30 DAY LATE, I ASKED THEM TO VALIDATE THE 30 DAY LATE, THEY FAILED TO SHOW PROFF, THERE IN CLEAR VIOLATION OF 609

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 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I created a XXXX account and I am having trouble linking my PNC bank account to the XXXX XXXX ( on Mobile and on Desktop ). The message that keeps coming up is saying " PNC has made a change that prevents me from being able to link my accounts. ), but I called PNC bank and they said everything is good to go and that I should be able to link to XXXX XXXX. Also, I've been trying to link for over 10 days now. Please get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I dont recognized and Account from Toyota Financial Services that been reported to my credit report. 
Also I was informed that at the beginning of the contract Toyota Financial Services has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a Debt Verification letter to Toyota Financial Services and they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-06-06 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: NV

Complaint narrative:
I dont recognized and Account from XXXX XXXX XXXX that been reported to my credit report. 
Also I was informed that at the beginning of the contract XXXX XXXX XXXX has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a XXXX XXXX letter to XXXX XXXX XXXX and they failed to respond.

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 2020-06-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX -- -- XXXX  30 DAY LATE COMPANY FAILED TO VALIDATE DEBT, IGNORED IT. IN VIOLATION OF 609.

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 2020-06-06 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: CA

Complaint narrative:
Ive been a victim a of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: NC

Complaint narrative:
We are having a financial hardship and was behind on our Mortgage due to COVID-19. We reach out to our Mortgage Co XXXX XXXX several times asking if there were any programs that could help us and was told by our point of contact XXXX XXXX all they had to offer us was a forbearance. Which we denied because that would cause us a greater hardship. We managed to get together a couple of payments to try to avoid foreclosure. One in XXXX and two in XXXX. On XX/XX/2020 we received a trial modification from XXXX XXXX. We called XXXX several and emailed them because we had questions about the modification and asked that a supervisor give us a call. It wasnt until XX/XX/2020 we was able to speak to XXXX XXXX In lost mitigation she told my husband and I to sign the the contract for the trial modification and email it back to XXXX which we did on the same day. Also she said that XXXX was going to apply one of the payments we make in XXXX to the first trail modification that was due XXXX and that we wouldnt have to make a payment until XX/XX/XXXX. Today on XX/XX/XXXX I received a letter from XXXX stating that the borrower withdrew Modification Application which is breach of contract. The signed and a verbal agreement was made. XXXX and the borrower should have to honor it. This is causing me emotional distress. I would like to file a complaint against this Mortgage Co.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-06 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: FL

Complaint narrative:
Experian refuses to remove and correct incorrect information on my credit report. They are in violation of the FCRA.

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 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I was told that my loan interest through The XXXX XXXX was approved for 3.375 % using United Wholesale Mortgage and would close 3 to 4 days after signing. I signed the loan documents on XX/XX/2020. Several days later my loan was frozen and reworked with a higher interest rate of 3.875 %. The loan agent said she would make up the difference by sending me a cashiers check for {$1100.00} to make up the difference. 
I believe this was a bait and switch scheme

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email earlier this week from PayPal that my account was going to be closed and that funds that were available in my account were going to be held for 180 days before I was going to be given instructions on how to withdrawal. There was no reason given about why it was being cancelled only that I had violated the terms and conditions. If they want to cancel my account that is fine however I dont believe my account violated anything part of the terms. My money however should be returned to me promptly I cant wait 6 months for them to decide to release my money. I attempted to call PayPal but their customer service is not available I cant communicate with them any other way due to the restrictions placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-06-06 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: FL

Complaint narrative:
Experian continues to report negative information on my credit report that is fraudulent and does not belong to me. They are in violation of the FCRA.

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 2020-06-06 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: CA

Complaint narrative:
Ive been a victim a of identity theft.

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 2020-06-06 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: CA

Complaint narrative:
Ive been a victim a of identity theft.

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 2020-06-06 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: NV

Complaint narrative:
These are not my accounts, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.

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 2020-06-06 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: FL

Complaint narrative:
Experian continues to report fraudulent and erroneous information on my credit report that should be removed. They are in violation of the FCRA.

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 2020-06-06 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: NV

Complaint narrative:
These are not my accounts, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.

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 2020-06-06 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: NV

Complaint narrative:
These are not my accounts, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation