vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/2020 A dispute regarding a charged off credit card account was received by way of certified mail by the company claiming the alleged debt yet LVNV Funding LLC fail to validate the debt which is a violation of my rights under the FCRA Section 611 Part ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I attempted to open a checking account based on advertisement. The online application was completed in full and all procedures adhered to. The bank displayed a message stating that " additional verification was necessary ''. While this is understandable, the bank did the following : 1 - Dialed the fax number I provided in the application process repeatedly but did not transmit anything.

2 - Sent text messages to one mobile number I have, unrelated to the account, without any authorization - this number was not provided to the bank in the application. 

The bank has engaged in questionable activity - dialing my fax repeatedly without sending anything and sending out multiple text messages to an unauthorized number without purpose or ability to reply to. Then, I received a letter by mail stating that they are " unable to verify applicants identity '' and thus to open an account. I sent a fax to the Operations Center detailing the activities and demanding an explanation, but received no reply.

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 2020-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
First I took out loans in the early 90s through XXXX of XXXX XXXX. At that time as a student we received no loan education or financial counseling. The school allowed us to take out loans, drop, receive the money back and register again and do the same thing. I can not even tell you for how long this happened. 
Then I graduated in XXXX from the University of XXXX XXXX in XXXX XXXX. I was put in forbearance right away. I have asked repeatedly about the public service repayment program but was told over and over that as a nurse I did not qualify when in fact I have qualified since XXXX when I first became a nurse. My interest has been accruing since the early 90s and I do not believe that this is right nor do I think its right that I continue to be charged when all my loans would be almost if not already payed off. Navient should have told me many years ago that I qualified for this program. This has totally affected my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 my accout with TD Bank was credited with a {$700.00} from SSI ( social security ). I found out sunday XX/XX/2020 that my debit card was missing out of my wallet and I called TD Bank but found out that my account was blocked for some reason. I reported my card lost or stolen. They told me that {$900.00} had been charged to my account fradulently. I put in a claim on monday XX/XX/2020. They denied my claim because they said the person who-ever it was used the ID number perfectly and they got it right the first time. And also they said that the culprit did not attempt to abuse the card. In other words they are saying that it was too perfectly done. The money stolen from my account was the money that SSI pays me monthly to live on. Iam a XXXX American. I have been robbed. They won't help me. SSI gave TD Bank my money for me to live on for the month of XXXX but I have been robbed and they wont help me, they said that they are not responsible but I know better than that. TD Bank is not a good bank to be with. They are not a safe bank to bank with. They are robbing me. I wonder how many other people have they did this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
at XXXX. on XX/XX/XXXX I had a major concern about my student loan through MyFedLoan. What raised an issue was when I checked my credit score and there was a HUGE drop and explained to me that my student loan was the cause of it due to a possible pass payment. So that's when I looked online on MyFedLoan and seen where I had a message about my IDR plan that I had already submitted when they sent out a notification stating I needed to resubmit the application. The letter I had received from them stated " We recalculated your monthly payment for your Income-Contingent Repayment ( ICR ) plan. We used your income documentation and family size to  determine your monthly payment of {$300.00} which is first due on XX/XX/XXXX. '' Now I assumed since I didn't receive anything about my IDR plan that nothing changed so I continued to pay my payment like I been doing. So to get things cleared up I called the toll free number. A lady that was super unhelpful basically told me the reason for the balance I had to pay for the {$300.00} was because I basically never resubmitted my IDR plan ( which I did I even have proof ) So she said that I needed to pay that for my IDR plan to basically get it back ( like a downpayment ) Then she as well stated that I didn't have to pay on my loans until XX/XX/XXXX XXXX possible graduation date ) due to the fact that I am back in school and my loans when into deferment ; however! I've been back in school since XXXX! I have no clue why it took them so long to process that and as well said when my loans go into deferment that they will have a huge impact on my credit score. So I still have questions about my IDR plan that I've summited before the due date, and she just keeps on telling me that I don't have to worry about any payments sine I am in deferment and KEPT on trying to explain to me what deferment meant, which already knew but she just wasn't answering anything I had an issue for. So I told her well I would like to still pay for my loans even though I am in school still that's when she sent me an email for the IDR plan to apply for which I ALREADY DID! The payment they wanted me to pay was not in my budget and I am honestly still confused and lost over the letter they had sent me about the repayment plan, plus I don't understand if my load was already in deferment then why did they send that out to me? I just have so many unanswered questions I felt like we were just going in circles with asking her things. Student loans already can be tricky and they don't make it any better

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX had closed there doors in XX/XX/XXXX which myself ( XXXX XXXX and my Daughter ( XXXX XXXX ) never new. XXXX XXXX wanted to go back and finish her degree but she couldnt do to the school was closed. XXXX took time off of collage in XX/XX/XXXX do to her having XXXX XXXX and she lost her nana and a good friend. I tried to talk to Navient about this collage closing and trying to get this parent loan of a XXXX dollars a forgiveness loan do to my daughter not getting her degree. Navient told me I couldnt get this forgiven end less I pay XXXX. Dollars for 6months en then it might be forgiven and I said there is no way I can pay this do to I lost my job do to XXXX lost there big XXXX account which they had to let everyone from US and XXXX go. I did get another job ( XXXX  ) but I only put in 20-30 hrs a month. I feel Navient is a big scam. How r u aloud to give a big loan and not check ur credit and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my XXXX  credit report on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear Card Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 ) Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, Amex is now reporting it as {$0.00}. 

Enough already ... the account was Closed by Amex on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX account was charged off in 2017. It was settled and my credit report should no longer be reflecting a balance. As of today, it still reflects a balance, and it should not. Additionally, my report shows that charge offs have been occurring every month since 2017. There was one charge off in 2017. It seems that every time something changes on my credit report, it is reflected incorrectly by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I took the updated XX/XX/XXXX Amendment naming me as Trustee to a Trust Account at Wells Fargo ( XXXX Branch ) in XXXX FL. I went to the bank on Thursday XX/XX/XXXX with a question about a bill pay check for {$17.00}, XXXX that had not been received. 

The Bank Manager, XXXX XXXX____, would not provide me with any information on the Trust Account, including the bill pay problem, because the account had not been " properly maintained '' BY WELLS FARGO. She said I had done everything right -- that WF had the Trust Amendment naming me as Trustee and had it since XX/XX/XXXX. But it had not been entered into the system so she couldn't talk to me about the account ... ..No explanation. She was working on it. 

I went into the bank on Friday. She was still working on it. 

In the meantime, NO INFORMATION ON THE ACCOUNT, INCLUDING A MISSING {$17000.00} CHECK, would be provided by Wells Fargo. 

I checked the account online today and it appears that the WF has not corrected its error. And {$17000.00} is still missing.

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 2020-02-17 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: GA

Complaint narrative:
XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: GA

Complaint narrative:
XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX/XXXX  is incorrectly reporting to Experian that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-17 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: FL

Complaint narrative:
PLEASE HAVE THE FOLLOWING ACCOUNTS PURGED OFF MY CREDIT REPORT, FOR THEY HAVE BEEN REPORTING INACCURATELY ON MY 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 2020-02-17 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: FL

Complaint narrative:
PLEASE HAVE THE FOLLOWING ACCOUNTS PURGED OFF MY CREDIT REPORT, FOR THEY HAVE BEEN REPORTING INACCURATELY ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: AR

Complaint narrative:
I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from JPMCB XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an Amazon prime account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates has Reported 3 different dates of last activity on this debt in an attempt to re-age this account XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX There is also no date of last payment listed on this account and the original creditor does not state that this account has been sold or transferred. 

Portfolio Recovery Associates also has this debt listed under 2 different names/ Account numbers on my credit report. 
Portfolio Recovery Associates has pulled my credit report on numerous occasions in an attempt to further lower my credit score. 

There are also late payments on on this Collection account and Portfolio Recovery Associates has made it seem like Ive made payments towards this debt when I havent, the original balance was {$3200.00} now the balance is {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I purchased a NETSPEND card about 2 months ago at the XXXX XXXX store in XXXX, NY and i do not know who but someone took my money off my card and i was left with owing XXXX dollars.My privacy as already been invaded in that store by people who have been committing a HATE CRIME against me.I have nothing to do with any of these people.Here is the reference ID : XXXX that netspend has given me regarding this fraud.It is very unlawful to invade in my privacy because people said they could and i am legally responsible for me and no one has anything to do with my adult life.

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 2020-02-17 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CT

Complaint narrative:
XXXX ( XXXX XXXX XXXX XXXX made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX XXXX, also made soft pull requests on XXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank

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 2020-02-17 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: CT

Complaint narrative:
Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank

Company response to consumer: Closed with explanation