vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 at approximately XXXX XXXX. I opened an E-mail from the XXXX XXXX that monitors my credit score through Trans Union and XXXX. The report showed that my credit score had dropped 4 points. It states " Between XX/XX/2020 and XX/XX/2020, your XXXX XXXX XXXX credit card balance decreased by {$12.00} from {$12.00} to {$0.00}. '' I contacted the XXXX Credit card company on XX/XX/2020 at approximately XXXX XXXXand I was told that my card is in good standing, and that there were no errors in reporting on their end and that my balance has been paid in full and it currently is at {$0.00}. 

Basically Trans Union is showing that my balance of {$12.00} was paid on time and now the balance is {$0.00}. I have a {$3000.00} limit on my card. {$12.00} was charged to my card and the balance was paid on time and in full and as a result my credit score dropped 4 points. This is XXXX.! 

An on-time payment according to these XXXX is a negative factor. 

This is an ongoing issue with trans Union. They are constantly reporting false information. I am tired of disputing these issues with this company only to have them not fix their mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/ 2020, Citibank posted a fee to my account for {$34.00} because they could not process a payment to a vendor due to insufficient funds. The vendor have stated they were not supposed to process the payment due to govt new law for student loan. Instead, Citibank, who did not even pay-out the fund has refused to refund the fee. 
I have called multiple time to CitiBank about this, after holding for over 2 hours the rep will tell me their " automatic '' system is not allowing them to refund the fee to me. It is illegal and unethical that banks like CitiBank are charging fees and monthly maintenance fees during an economic crisis.

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 monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both XXXX XXXX  and Synchrony bank which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.

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 monetary relief
Consumer complaint received 2020-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IL

Complaint narrative:
I have XXXX Student Loans with Sallie Mar ( SM ) for which I am on monthly payment plans. Only 2 loans are currently due for payment and the 3rd loan was not yet due. Without notice, SM put the 3rd loan into automatic repayment status. When I called them about it they did not have any explanation, other than they I owed $ $ $ to bring it current. I told them that the 3rd loan had been in deferred status and was not due till month later. They did not care but keep transferring me from 1 customer rep to another.

I them made some arranges to bring up the payments of the 3rd loan. However, a few weeks ago, i got notification from my credit report that an account is reported as delinquent. When I looked it up, it was one of the SM accounts that I have been paying on. Not only is this information incorrect. It is unethical ( and should be illegal ) that companies like SM are reporting negative to student Credit Reports during an economic crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I reached out to Navient to tell them about a student loan for which I last made a payment in XX/XX/XXXX. I always never understood why I was making payment on this loan as I had only federal loans and no private loans. When I lost my job in XXXX, I stopped making payments and Navient/Sallie Mae ruined my credit and hounded me with abusive calls. I have over {$70000.00} in student loans for which I'm struggling to make on-time payments. I have lost 2 out of my 3 jobs and can't afford to make any payments on this loan. 

Navient responded saying that I signed for this loan and provided an electronic signed document. This loan has a cosigner and the cosigner hasn't even signed this loan. The document is not even valid. Navient also said that they have taken this out from the credit report but still I'm unable to get my own place because this always shows as a bad debt and I'm expected to pay the full amount with 22 % The loan has passed its statute of limitations and should be completely removed from my credit report. 

Attached is the proof of a denial request from XX/XX/XXXX 2020 where I couldn't get a housing loan approved because of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I do not have any knowledge about the debt that is claimed to be owed. I have never had credit with the company in the letter that I received last week for the first time. I mailed a letter for request of validation on XX/XX/20 with no response. Company did not respond to my request but instead it was put on my credit report to tarnish my credit. I have not ever received a phone call from this company and Ive only received one letter for the debt that I tried asking for proof as to where this debt came from and who is the company. I would like this removed from all credit bureaus. This company should have followed proper procedure. And contacted me more than once about this debt. One correspondence and then its on my credit report with absolutely no details about the debt. Respond to my mailing on XXXX first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: OH

Complaint narrative:
I've contacted lexis nexus multiple times about an accident on my consumer report that did not happen to me. I am a male and this accident happened to a female with the same name but different spelling. The person the accident happened to has a different birthday, XXXX, spelling of their first name and the accident happened in a state i have never resided or visited. They have denied my despite 3 times and this whole ordeal has cost me over {$500.00} with my new insurance company in fees. I've never owned a car untill XX/XX/XXXX of this 2020 and have never had a drivers license or driven in my life. If lexis nexis does not fix the issue at hand then I will have to use legal acton due to the hundreds of dollars I am being charge monthly from an accident that did not happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I signed a debt management plan on XX/XX/2020. I was told by XXXX XXXX XXXX that I would have to postpone any payments due, or notify the creditors that I was entering into a DMP. That by law, as long as they agreed to my payment amount they could not report me as late or charge any late fees to my account. 

I spoke with someone at each creditor or moved my payment date. Every agreed upon payment has been faithfully made. Not a day late. 

However, certain creditors have reported me late. I have filed disputes with the bureaus which are all well past the 30 day time frame. I spoke with both Commenity bank and XXXX XXXX which both told me they do not see anything past due in their system. 

I am trying to take out a loan to provide for my XXXX kids during this time. This is killing me and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX is currently charging me for two rings that 1. I never received. 2. I called and cancelled immediately after the order. 3. I have called customer service MULTIPLE times and they always transfer me to Comenity, Comenity says that they can't handle it, so I keep explaining to them and they still have it charged on my account. I believe the company is doing this to people on purpose and they are breaking the law. The merchandise was cancelled almost immediately after I ordered it. They assured me it would be cancelled and I didn't have to worry about it. Now I'm being charged for two engagement rings that I do not have. They have made their process unreasonable and cumbersome. They surely have record of my cancelling these items. Every time I call to discuss it a no one can help me. I want them to remove these charges so I can pay off what I actually owe and close the card. They are breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10 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: TN

Complaint narrative:
For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
I am trying clean up my credit history. In XXXX, I called XXXX XXXX to enter into a payment plan to resume payments on a {$14000.00} debt. XXXX XXXX said they wrote the account off in XXXX or XXXX. I can no longer access my XXXX account online or by their automated phone system. In am no longer able to pay {$500.00} per month since I have been unemployed since XX/XX/XXXX. My financial situation is further complicated by the coronavirus outbreak. I had attempted to make payments from my unemployment benefits. XXXX XXXX XXXX, XXXX is attempting to attach my bank account. 
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a civil complaint against me for judgment in XXXX XXXX favor for {$8700.00}. XXXX XXXX XXXX, XXXX states that they are attorneys for XXXX XXXX. Correspondence from XXXX XXXX XXXX, XXXX discloses that they are debt XXXX. XXXX XXXX will neither confirm nor deny XXXX XXXX XXXX, XXXX claims. XXXX XXXX, XXXX has entered a Praecipe for Substitution of Counsel on XX/XX/XXXX. 
On XX/XX/XXXX, I wrote a letter to XXXX XXXX requesting confirmation the XXXX XXXX XXXX is representing them in this suit. I have paid to date {$2300.00} on a settlement amount of {$6000.00} to XXXX XXXX XXXX. Although requested, XXXX XXXX XXXX, XXXX never validated the debt. I have not received a statement of account. I have not received a payment history from XXXX XXXX XXXX, XXXX. The documentation submitted with the complaint contains incomplete and misleading documents. 
In this day of debt collection scams and in the abundance of caution, I am trying to determine who I should pay to resolve this debt. I have been contacted by numerous debt collectors and an attorney, who claim they are collecting the outstanding balance in XXXX XXXX named.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We will try to contact the company as well, but in dealing with credit company reps we seem to not always have good outcome, so hoping your agency will reach out as well please. This is for Lowes Store Credit Card. We went into the store and asked to make the final payoff on our card. We were told it was {$360.00} which we paid. This amount went toward a balance of {$320.00} plus what the store rep showed as payoff. 

We have since received another bill for {$1.00} which appears on the statement difference toward fees of {$39.00} and interest of {$1.00}. 

In dealing with these last interest bills on another store credit card we learned there is no way to ever provide the amount due without continuing to incur more interest. We ask that you please communicate with us asking the Lowes credit card provider to waive this last interest amount of {$1.00}. Our request is based on the fact we asked the store to please provide us on the day we gave them a check for " account balance payoff '', which we submitted as asked of us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I recently pulled my credit report and saw that Progressive Management placed a collection account on my credit report for $ XXXX {$10000.00}. I disputed and asked them to provide some type of proof that I owe this debt. I request copy of the original contract showing my signature, when the original account was opened, copy of any identification submitted when applying. None of that was provided, instead they asked me to send my social security card, copy of my identification and asked me to lrove that I don't owe it. I don't know who they are or what this is so I refuse to send my personal items to a company I don't know. They reported to my credit report fraudulently and the burden of proof is on the to show that I actually owe this. If not, they should delete which they didn't. Its now affecting me getting an apartment and may result in me being homeless during a pandemic. Please ask them to submit a full verification with contract and proof I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TN

Complaint narrative:
For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: TN

Complaint narrative:
For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 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: FL

Complaint narrative:
I have written numerous letters to XXXX within a 6 month time span advising 2 collection accounts ( XXXX XXXX and XXXX XXXX ) weren't mine. I have also written numerous letters to Equifax within a 6 month time span advising 2 collection accounts ( XXXX and XXXX XXXX ) weren't mine as well. Each response they sent back stated the accounts were verified. When asking for how they were able to verify the accounts, I would receive no response. After advising them, the companies as well couldn't verify nor confirm the accounts were mine, they continued to report the negative information on my credit reports. 
In addition, I advised both XXXX and Equifax that a collection account, XXXX was not mine. XXXX closed the account and Equifax still has the account open. There is no reason why this account should be on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
When I made a XXXX refrigerator purchase in XXXX ( XXXX ) of XXXX, the total purchase price was {$1200.00}. That day I made a down payment of {$65.00} which is what was determined as my monthly payment. Since XX/XX/XXXX Ive paid a monthly bank auto-drafted payment of {$65.00} which, as of now is a total of {$910.00} I got ill during COVID and did not notice anything change in my account during that time, then when I got well in XXXX I went back to the online account I had set up and noticed that I had barely sratched the surface on payments. The amount Conns HomePlus is saying I owe ( as of XX/XX/XXXX ) is {$930.00}. The increased my interest from 0 % to XXXX per day on XX/XX/XXXX. 

I contacted Conns HomePlus on XX/XX/XXXX via email and called and spoke to a said XXXX for an hour or so to try to sort this out. I asked for a manager and was not offered one, she refused and said none was available and that nothing would change. I offered to pay the amount in full of {$440.00} right then, the amount that was due by XX/XX/XXXX, via our agreement of 0 % interest ( again, XX/XX/XXXX ) to take care of it and my offer was refused. They said " we will accept your payment but can not relieve you of the remaining balance ''. I still paid the montly {$65.00} on XX/XX/XXXX, as scheduled, then cancelled auto-pay because of this fraudulent behavior. 

So in short -- beginning on XX/XX/XXXX they began charging me 29.99 % interest daily which means I owe the exact amount I owed when I made the purchase 14 months ago. I was never informed of this interest and I was under the impression they would pull the {$65.00} each month until completion of the payment which would technically be within less than two payments. I realize now that they planned to keep pulling that {$65.00} each month until it was paid off based on their overwhelming interest increase. In addition, I called custoner service many times while ill and dealing with the existing COVID circumstances, as we all are. No one was willing to help me or even re-deal with me, even after I explained the situation. 

I went back through all emails to find all of my auto-drafts and an occassional marketing message but nothing about my account changing OR an account contract of any kind that agreed to such fraudulence. 

I have nearly paid for the item in full and they would like me to pay double for the item I purchased.

Company response to consumer: Closed with explanation