vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a travel nurse. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a old Navy credit card through synchrony bank I made a purchase of {$700.00} and payment for {$300.00} and had my account closed the next day. I called old navy and they said sorry your account closed theirs nothing we can do synchrony closed it without warning or no reason, account is in good standing and payments always on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My Quicksilver credit card account was charged {$26.00} in interest charges when it should not have been. I paid my balance in full for several months in a row, and despite this, I was still assessed interest on the card. 

My statement was produced on XX/XX/2021 with a statement balance of {$380.00}. I subsequently made a payment of {$400.00} on XX/XX/2021, i.e. the statement balance was paid in full. My next statement was produced on XX/XX/2021, and included the above mentioned interest charge, despite satisfying the full statement balance. I called Capital One to inquire about the charge, to which they responded that it was due to a payment being returned unpaid. 

While I understand that my payment was returned, it was returned on XX/XX/2021, again, this was after the date the statement was produced. And again, I paid the statement balance in full so that I would not have an interest charge, and will pay my next statement balance in full as to not have any interest charges. 

When I called Capital One I explained why I disagreed with the interest charge assessed to my Account and asked if it could be refunded. The Agent said that it could not be, as it was a valid charge. She offered to allow me to speak with a supervisor, and I accepted. I explained a second time with the Supervisor why I disagreed with the interest charge, who then said that it could not be, as it was a valid charge. 

I stated several times that if they would not waive/refund the interest charge, then I would like my communication to be escalated and handled as a formal complaint. I asked several times who I could speak with that handles escalated complaints, such as their department who would typically receive and respond to a CFPB complaints The Supervisor didn't have any contact information for that department and could not transfer my call to that department. The only thing she offered me was a suggestion to write a letter to the corporate office, which she could not even give me an address for. I cant even say with any confidence that my call was logged as a complaint. 

To summarize, I have two complaints : 1 ) I was charged interest when I believe I should not have been, and 2 ) I believe Capital One 's formal complaint management program is not adequate, specifically because a Consumer is not able to escalate concerns of Unfair practices to a Compliance officer or similar role ( not a call center supervisor ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion I have called Transunion numerous times about unauthorized inquiries on my report due to identity theft. Every time I call they tell me they are unable to assist however will not tell me why. Then proceed to send me to the department that can help me but I only get an option to leave a voicemail and never receive a call back. 

Because of this I am unable to efficiently dispute over the phone and my Mail disputes have gone unnoticed taking away my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX XXXX, and Experian ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUXXXX and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my 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 non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am in a loan application process. My have excellent credit score ( over 800 ) from XXXX  and XXXX  but my mortgage lender can not get anything from Equifax. So my loan application was blocked. I called Equifax and my lenders of credit accounts. I let my lenders of credit cards to send credit files to Equifax but it did not work. 

Basically what happened is Equifax removed all my credit accounts for unknown reasons since 2017. When the lenders sent my credit files to Equifax, Equifax can not add these accounts back because the accounts had been removed for a long time and it has passed a time limit. 

I did not authorize Equifax to remove my credit accounts and now Equifax won't add my credit accounts back. As a result, I lost all my credit files in Equifax. My loan application was blocked because of this. I have done all the means to let Equifax fix their error but it did not work. Can you please help me to solve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
On XX/XX/2020 I was referred to provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX for XXXX by XXXX XXXXXXXX XXXX XXXX through the law firm XXXX XXXX XXXX XXXX due to a third party liability, at fault, rear end collision. I was invoiced by XXXX  XXXX XX/XX/2020. I am a XXXX XXXX by profession and had left the XXXX XXXX area and had took a job in XXXX, XXXX. I received the XXXX  XXXX invoice there from my taxable home in XXXX On numerous occasions I had tried to contact the billing department and was unable to speak with anyone. I assumed that the pandemic had created this communication difficulty and the XXXX ( XXXX XXXX XXXX XXXX ) was willing to pay the invoice, all they needed was for the firm to submit the bill on a XXXX XXXX XXXX XXXX XXXX Due to the inability to reach XXXX XXXX billing department to discuss this arraignment, the billing department at XXXX XXXX, sent the invoice into collections to Fidelity Creditor Service XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2020. I tried to explain the situation to the collection agency and they did not seem interested in helping XXXX  XXXX to get paid. Now I am dealing with a negative collection mark on my credit report and am at my wits end. I've put the collections in dispute to XXXX XXXX, but am unable to get help from them. The bill is {$600.00} now plus {$50.00} for collections and rising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LA

Complaint narrative:
XXXX is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from 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 2021-06-23 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: LA

Complaint narrative:
XXXX is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Nelnet, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2021-06-23 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: RSH & Associates, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me XXXX XXXX  card closed out my account back on XXXX XXXX and equifax closed my account and my score dropped like 60 points .... Equifax closed the account again on XX/XX/2021 causing my score to drop again 85 more points.. These closed the premier bank card again.. This is unfair and has dropped my credit score 85 more points. I am trying so hard to rebuild my credit so that we can refinance our home and equifax is being unfair in their investigation into this matter.. Please help me remove this error from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: The Bureaus, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NC

Complaint narrative:
Please remove all fraudulent credit inquiries as I have no knowledge of any of these inquires due to the Equifax data breach/identity theft all is being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
Thank you for the opportunity to submit this information. 

I applied for a loan refinance on Monday, XX/XX/XXXX. I applied with the following company XXXX XXXX. On the next day, since I hadnt heard back from them ( phone call or email ) I applied with XXXX  XXXX XXXX. 

1. XXXX  XXXX XXXX locked in a rate for me and subsequently asked for supporting documentation ; one of which was Provide detailed explanation of credit report inquiries, including documentation of the terms for any new debt incurred for the following inquiries : FACTUAL DATA, XXXX, XXXX. FACTUAL DATA, XXXX, XXXX. FCTUALDATA, XXXX, XXXX. Well I didnt know what this FACTUAL company was my credit report listed their information ( pasted below ) so I called at approx. XXXX on XX/XX/XXXX ; the representative immediately asked for my Social Security number so she could pull my information around a mortgage I applied to ; I stated that I would like her to provide a listing of the mortgage companies they are affiliated with ( who they pull information for I asked this so I could determine if it was XXXX XXXX that made the inquiry on my credit report ). 

The representative said she could use my name and last 4 of my social. I gave her my name but not my social and I told her that I would be submitting a complaint to CFPB and that I would get the information I needed from you all. She went on asking if I wanted to speak to management, I replied no I went on to say that her company ( which I didnt even know if it was real I never heard of it ) made an inquiry on my credit report and that she couldnt tell my why unless I provide my confidential sensitive information something is wrong ; they should have enclosed on the credit report that they ( Factual data ) were making the inquiry on behalf of XXX ( mortgage lender ) She then said she could get to the data if I gave her the exact date of inquiry, I told her one Credit Bureau had XX/XX/XXXX and the other had XX/XX/XXXX as the inquiry dates. She said OK she sees XX/XX/XXXX but she would need my full address I provided my city and state and when she wouldnt tell me who hired them to inquire ( pull my credit report ) I told her that I would be submitting a complaint. 

This seems so strange and unfounded and something should be done to prevent citizens from knowing who is inquiring on their credit report without divulging personal confidential information especially in this age of identity theft. 

Thankyou so much for your assistance. I look to hear back shortly.

Company response to consumer: Closed with explanation