vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: CA

Complaint narrative:
Major identity theft issues here in XXXX XXXX California USA USofNA pertaining to my personal legal/lawful identity that has always been and always will be lawfully/legally owned by myself personally that was originally established and originally created for myself legally/lawfully in real life and in my real life uncut and unedited original Federal documented films photos and audio as a real life Federal FBI CIA Agent and in my movies I never gave any lawful/legal permission to remake/duplicate at all.

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 2022-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I lost my job due to the pandemic. I was forced to file for bankruptcy because schools closed, and I could not work. Navy Federal did not take the time to talk to me or look at the entire picture before denying my loan application. I applied for a mortgage loan with Navy Federal Credit Union. Per my bankruptcy, I had to file for my credit card. However, before the pandemic, I had outstanding credit, and I never missed a payment with Navy Credit Union. In their denial letter, Navy Federal states the principal reason for my denial is " poor credit performance with Navy federal. '' They never mentioned my bankruptcy or poor payment history with any other creditor. I had a 100 percent perfect payment history for over ten years. I believe I'm being discriminated against because of my material status, and my income derives from a federal assistance program. I believe I qualify because I have a full-time job, my bankruptcy will be two years old on XX/XX/XXXX, and I've been preapproved by other companies. Also, this is a VA-backed loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX of 2020. I purchased a airline ticket with Affirm. To fly to Virginia in XXXX of 2020. I started my payments to Affirm in XXXX XXXX, 2020. 

My state of New Jersey started to require to be 6 feet away from another human, which meant I could not seat on a plane next to another human. The enclosed space could cause me to contact Covid19. My state also started a self quarantine, and I did not want to break the rules. I had been coughing and I had not been able to be tested based on lack of test. 

I contacted Affirm for a refund for my airfare. They denied me a refund. Which wasn't fair based on what the country was going through. I never used the Ticket and never was offered another Ticket for a later date. 

My money was stolen from me and the information was put on my credit report which has destroyed my credit. I'm am reporting fraud on this company and want their information off my credit report. 

They had no empathy for the Pandemic at the time in early 2020, and did not care and only wanted their money, for a flight I never used. 

It was a state quarantine happening and Affirm did not care about that situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: ID

Complaint narrative:
I received XXXX separate notices from XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX {$83.00}, XXXX XXXX {$66.00}, XXXX XXXX {$70.00} I've had an XXXX account for over XXXX  years and have never owed them any debt and I called the to verify this fact which they did. I put in a dispute with XXXX XXXX XXXX and asked them to send me proof of the debt they say I owed since both XXXX and myself were unaware of it! 
I received a letter today dated XX/XX/2022 from a XXXX stating that they did not have enough information to investigate my dispute and want a copy of my drivers license and my SSN number and a copy of a vided check. I never paid my XXXX account with a check and I'm not giving them my personal information Reference # 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 2022-03-31 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: DISCOVER BANK
State: SC

Complaint narrative:
My Discover credit card, in good standing, was closed on XX/XX/2022 The bank claims that they were unable to verify my personal information within a set period of time, and can only open another card with them by applying for a new one. This has negatively impacted my credit by eliminating my oldest credit account. Since I still have a balance on this account, which has always been paid on time, my utilization is over 100 %. This was originally a secured card that had converted to an unsecured line along with a limit increase. I understand the importance of having accurate information for account holders, but the practice of random verification seems very strange considering the standing of my account and the fact that there had never been a report of fraudulant activity, or even a pattern that may be interpreted as fraudulant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : capital one auto fin XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I have no knowledge of this information, nor did I consent to any of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I have no knowledge of this information, nor did I consent to any of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: AZ

Complaint narrative:
On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my request.

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: TX

Complaint narrative:
I informed this collection company to stop contacting me because I did not owe them a debt. I have never authorized them to contact me or signed anything that I owed them a debt. What they did was contact me at home continuously and interrupt our business operations with repeated calls demanding that someone speak to them. At this point I have informed them to stop calling but the continue. Moreover, I have never given them my personal information of which they are in possession of. They are fully aware that they are violating Federal laws but they do not care!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My student loans have been serviced by a XXXX XXXX  of loan services, but all have been under PHEAA. I graduated school in XXXX and was in forbearance for most of the recession. When the Income Driven Repayment options were made available in XXXX, I contacted my loan servicer under PHEAA to transition into it. They refused to assist, citing their special status as an agency of the State of Pennsylvania. We went back and forth on this for several years, where they would try to collect and I would refer them back to the earlier conversation about the IDR and that no payments could be made unless they recalculate the then capitalizing interest. PHEAA never handled the paperwork correctly and I refused to comply, because I understood an offhanded assent on my part would result in being formally placed under an " agreement '' that would allow them to capitalize the erroneously charged interest. Their communication stopped in XXXX. 

Now, on XXXX XX/XX/XXXX, PHEAA has begun the default process for the account without making any effort to contact me in the past 8 years. None. They now have capitalized all the interest and the claimed amount has shot up to {$130000.00}!!! After all this time, now, with all the massive economic challenges Americans are facing, that's when this company is attempting to maximize its profits through deceptive accounting that is founded on more than a decade of fraudulent misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Back Will Call Numerous Times Per Day from various numbers within in second of each other back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Onemain financial is holding a loan against me that I did not apply for and provided no evidence or proof of it was me that got the loan. It was a result of identity theft and they provided signature proof stating that it was digital meanwhile it wasn't a wet signature XXXX with docusign it was an automated sign. Secondly, they showed a void check with my bank info which I don't understand or know how they got and they stated that I took and refinanced a loan for kid braces. Meanwhile, I have health insurance and my kid has Never even gotten braces. I never made payments from a XXXX XXXX XXXX account which they stated or refinanced. It was a fraudulent loan when I had my identity stolen and I paid the chargeoff once it hit my credit as I didn't know you could dispute debt. If I had known that you could dispute debt I would have never paid this as I didn't know what to do as I had never had my identity stolen before. But this is not my application. Please review the enclosed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
When terminating the lease with XXXX we spoke with multiple agents including office manager XXXX of multiple conduction along side fire hazard as well as molding within the unit. Due to XXXX XXXX we as tenants were forced to move out. With that being said a home was purchased and upon agreeable conditions we would provide 60 day notice and terminate the lease with zero penalties and no additional cost, Today XX/XX/22 a notice of collection was received in the amount of XXXX for breaking the lease and whey conduction information XXXX could not provide any further information as she was not aware to what charges were issued to us as tenants. All documentation of move out were conducted with XXXX and a fellow leasing agent who has been terminated based on this case. we as tenants or consumers were never notified of move out cost or a final bill. notification came directly from collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX Received collections letter for {$890.00} from Jefferson Capital Systems LLC from a XXXX account. I called the number on the statement and was asked to verify my name, last 4 of ssn, account number, and address. The only information they could provide was they acquired the acct in XXXX of XXXX and that it was from a XXXX incident in XXXX. 

The same day I called XXXX collections at XXXX. I verified that my account was in good standing with a XXXX balance. I never was sent to collections. 

This is a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
All charges on my account from XX/XX/22 thru XX/XX/22 - 13 charges were not made by me. Company sent me emails asking to verify charges, I was unable to respond to that email so I called them. For two days at 2 hours per call and 4 more times with them assuring me matter being handled. I was assured I am not liable for fraudulent charges. They only disputed one item for {$15.00} and sent me a bill for {$300.00}. 
What do I do, I received new cards but did not activate them and will not. 
I also need to cancel this credit card account without penalty. 
I am on phone with them going thru the same wait and run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I've been aggressively contacted by XXXX XXXXXXXX insisting that I make payments to them for my Student Loans. I have advised that my loans were all Federal. 
They explained that they are requesting payments for my XXXX XXXX and that the original Servicer was my school, XXXX University. I never applied for direct loans with XXXX. XXXX 's XXXX XXXX team advised that I only had XXXX XXXX as my loan servicer. 
Most recently, I received an alarming letter stating that XXXX has " Accelerated '' my account and that the full {$17000.00} is due. It also notes that they are planning to send my account to collections to garnish my wages. 
I have already applied for the Borrowers Defense case against them, I would assume they should be able to collect anything while pending investigation and with the current Act in place. My case number from the Borrowers Defense case is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: PA

Complaint narrative:
Experian and XXXX have both invalidated information due to identity theft that they have claimed to have verified on my report. For Experian it is XXXX and for XXXX it is XXXX XXXX XXXX for a XXXX XXXX  I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I don't know who this collection agency is or where did they acquire my information, hence I can not provide the last four digits of the account number. I never received notification of debt or a validation of debt per 15 U.S.C. 1692 ( G ). After I noticed the defamatory and derogatory mark on XXXX XXXX credit report I tried contacting them by phone to request an authenticated record per UCC 9-210, with no success. They have reported invalidated account information to the three main credit bureaus : XXXX, XXXX, and XXXX, without my written consent, per 15 U.S. Code 1611. This has been carried for over three years on the credit reports, hindering my right as a consumer and causing me distress on my day to day life. Its created a hostile martial environment as these diffamatory marks hurt my credit reputation. It is for this reason I am requesting AARON AGENCY off my credit report and I am seeking compensation per 15 U.S. Code 1611 ( 3 ) of {$5000.00}

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 2022-03-31 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: PA

Complaint narrative:
XXXX and Equifax have both invalidated information due to identity theft that they have claimed to have verified on my report. For XXXX it is XXXX and for Equifax it is XXXX XXXX XXXX for a XXXX XXXX I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX and XXXX. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Experian now claims that my demand was not specific enough despite specifically identifying the accounts Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, My name is XXXX XXXX and transunion has violated FCRA laws and held negative reporting information that doesn't belong to me against me. They have also locked me out of seeing my credit report on their website in which it states that my credit report can not be accessed online and that I have to contact transunion. Why can't I access my report online as the answer to that is that they are hiding my report to conceal their illegal activities that they are reporting. Please see the enclosed documentation.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses and now advises me : " that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, please contact the lender directly and follow their internal fraud procedures '', which is contrary to FEDERAL LAWS!!! EQUIFAX IS BREAKING THE LAW!!! I have included proper identification in my correspondence to Equifax. Yet, Equifax remains in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation