vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Due to Covid, I took a short forbearance on my FFELP loans owned and serviced by Navient last XXXX. I did not qualify for the Ed loan forbearance or zero interest program under the Cares act. However, Navient offered their FFELP consumers the option to do a 90 day forbearance. Due to the date I requested the forbearance XXXX late XXXX XXXX my XXXX payment was pulled as Im set up on auto pay. The XXXX payment appears to only have been applied as a half payment- despite the fact I paid the full amount. I did not pay for XXXX or XXXX of XXXX, but my payments resumed as usual in XXXX of XXXX. So the forbearance in my case was actually for 60 days, not 90. Last week, I was reviewing how my payments have been applied because my balance should be lower than Navient shows. When I viewed the individual payments for XXXX, XXXX, XXXX of XXXX, 100 % of $ 658 monthly payment had been applied to interest. Nothing had been applied to the principle. Prior to the 2 month forbearance, my payments had been {$8.00} less, so I was already paying the new interest amount that had accrued during the 60 days. I inquired why nothing had been applied to principle after my payments resumed, and received a one sentence email stating it was because I took a forbearance. This seems erroneous to me. They increased my payment by {$8.00} per month for the remainder of my loan to adjust for the 60 days of interest they didnt receive, then took 4 months of payments at {$650.00} each and applied it to interest only? Im disputing this because not only do I believe that forbearance scenario was handled in error, I believe that my entire account has been mishandled. I began making payments on these loans in XXXX with an original balance of {$34000.00} and now my outstanding balance is still $ XXXX. Something is just not adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX of 2021, I noticed that there were multiple inquiries made to loan companies displaying on my XXXX XXXX. Then I realized that a personal loan for {$630.00} was made on my behalf under TD Bank. I contacted the bank multiple times only to be told minimal information and that I would need to complete an affidavit that would be emailed to me. 10 days later, I hadn't received the affidavit ; therefore, I reached out via telephone to the company again. I filed a dispute with TD bank and XXXX. I made a police report and completed the affidavit with potential suspects whom could have stolen my identity, to which I emailed TD BANKS fraud department, that can only be reached via email. I asked for help and information and they brushed me off and told me to contact their customer service team, who can not and does not handle fraudulent accounts. I was able to find out which exercise equipment company the loan was used for and contacted them, only to discover that my estranged brother got hold of my SSN and purchased his girlfriend an exercise bike using my SSN to obtain a loan. He had the bike delivered to my mothers house, where I reside, and then had my mom drop off the bike at his girlfriends house as an " early Christmas present. '' I have repeatedly explained this to TD Bank and XXXX  and the delinquent account remains on my credit report, diminishing my credit score 200 points. What once was a XXXX credit score is currently a XXXX credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: FL

Complaint narrative:
Good day, I have a credit card account with Discover. They terminated my account citing that I was not in good standing and had poor credit history. This terminated our agreements and accounts. 
They continue to pull monthly and daily inquiries into my account for their " Identity theft and protection service '' that is offered only to Discover card members in good standing. 
I've requested via phone call and " Chat Support '' several times to have this stopped and was given a run around saying they don't control that. That they do not offer that service. That they are not performing that service. I could keep going on the excuses. I still get daily emails and see on my report inquiries from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I previously had a negative report from XXXX XXXX XXXX  which was invalid. I disputed this with XXXX  and they agreed and deleted it from my credit report. This was under reference # XXXX Months later, the same amount appears as a negative report on my credit report, this time under a company called LVNV, XXXX XXXX with original creditor as XXXX XXXX XXXX. I have been trying, for months, to have LVNV correct this, with no success. Alternatively, I have also disputed this through XXXX  a couple of times and it had resulted as shown as updated and never any further, not deleted or removed, as it should be. I would like you to please review the proof in which the above reference # will show this was deleted from my report and clearly LVNV was sold this account in the meantime and now they have it back on my report when it should not be. Thanks for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2021 I went to a local restaurant and bought my kids food At XXXX XXXX  and I must of dropped my debit card accidentally and noticed 25 minutes later it was completely gone I went on my banks app on my XXXX and turned the card off w the controls on the app about an hour and a half later Out of an abundance of caution I checked my account I noticed three charges {$8.00}, XXXX XXXX XXXX at approx XXXX XXXX  and XXXX  at approx XXXX XXXX  I called my banks XXXX number and spoke to a gentleman who indicates the computers werent working properly that day and therefore did not actually shut my card off and he promptly shut it down I then went to the XXXX  store where last used and called police and filed a police report I was assured once posted I would get a provisional credit when that did not happen in a few days I called the local branch and spoke to a XXXX  XXXX  who is of XXXX XXXX decent and explained the situation. I waited several days later and called the XXXX number as why my money was not returned. I was informed that there was an investigation and they determined they said the cars was in my position they said at the time of the incident ( not true ) i then called my local branch and spoke to mr XXXX and determines he totally mixed up my story and apparently led this bank to believe the card was in My position and it was not So I decided to go to police station Tuesday MY XXXX and get the police report and info was limited because this is now an ongoing investigation by XXXX XXXX police and they put the fraudster who took my card and distributes his picture throughout police in Minnesota I then went across street to BMO and showed them the police report and she sent it on to someone at corporate I have never got a provisional credit I shut my card down immediately and there computers were not working that day as they even had a recording when you call the XXXX number The police have pictures and video of the suspect using my card to buy tv and camera and dog food This is an injustice I want to be reimbursed immediately BMO Harris has a copy of police report Its not available as I write this to attach 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 monetary relief
Consumer complaint received 2021-05-29 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:
I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.

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 2021-05-29 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: ERC
State: WA

Complaint narrative:
On XXXX my 3rd attempted to reach out to Enhanced Recovery CO LLC for improper account reporting or furnishing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: OH

Complaint narrative:
My husband and I have been receiving calles from a company claiming to be a debt collector for Flex shopper. We have never had or purchased anything from them. When they started calling they were asking for my husband. He answered and when they ask him hiss birthday and last 4 of his social it didn't match and when they asked him if his birthday was XX/XX/1975 it was my bday and it was also my Social on the account. With his middle name and out last name. 
We told them this was not opened by us and didn't hear anything for a while. 
Now they are calling asking for me on his phone and mine. Leaving voice mails and threatening to file criminal charges against me for the debt in XXXX XXXX court. 
Please help this is very disturbing.

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I may my final payment of {$00.00} and I request that my account type platinum card # XXXX be closed and show pay in full with a zero balance in good faith. The teller said that he could not close my account to call Well Fargo 800 number. I am still getting the runaround. See document from Well Fargo not stating that I have a zero balance in good faith.

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 2021-05-29 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 XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NEW WORLD COLLECTIONS, INC.
State: IN

Complaint narrative:
The repeated calls are on my end. I have called this company many times to pay my debt. I am never able to speak to a person. I always leave my name, date of birth, last 4 of my social, and my phone number requesting a return call. I have never received a return call and there is no other way to pay this company. The company is called New World Collections and based out of XXXX. I have even got on their website and sent them an email.

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 2021-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland funding Llc has added a collection to my XXXX  file. I do not recognize. I sent a dispute to XXXX  regarding this account. Midland sent me a copy of a statement from 2016 that does not have my name or any other information on it. It just says the amount of {$920.00} is due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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:
I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo XXXX Branch cashed a check that was in my name for someone I don't know. 

I was mailed a check from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in the amount of {$390.00} Someone intercepted the check and cashed it at a Wells Fargo XXXX Branch on XX/XX/2021 using account number ending in 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 2021-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a notarized letter 30 days ago to the bureaus. They have not responded. They are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a ton of inquires on my credit that I did not do. I have never asked these companies to provide me with anything. I called the credit bureau they told me to call the company I call them and they refer me back to the bureaus saying they have none of my information I keep going in circles and want this information deleted from my credit file. I have been trying to get this resolved for months. All this mess is someone attempting to get goods in my name.

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 2021-05-29 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: NY

Complaint narrative:
i sent a letter 30days ago to the bureaus they have yet to respond. they i are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer 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 2021-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i sent a letter 30days ago to the bureaus they have yet to respond. they i are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone calls me from chime and claims to be from fraud dept ... ..already has account info. Knows about disputes in progress and updates. Knows wording that representatives use and when and what emails and texts say. They Phish for info. This happened many times and chime refuses to look into it or inform me of what they are doing. Scam is TOO GOOD to be anything other than employee or ex employee who has had phone training and still has access to the company portal. People working are remote workers. Just seems off and someone took over {$6500.00} from my account by moving money from savings to checking

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I AM REQUESTING HELP WITH THIS MATTER I HAVE TRIED TO MAKE A COMPAINT WITH THE XXXX ABOUT THIS MATTER. I WAS GIVEN THE COVID 19 RELIEF PROGRAM WERE BMW FINANCIAL SERVICES SAID THEY WOULD DO A DEFERMENT ON MY PAYMENT BECUASE I WAS XXXX XXXX XXXX XXXX AND WAS UNABLE TO WORK AND MY WIFE TOOK XXXX ALSO. I WAS IN CONTACT WITH A REPRESENTATIVE THERE AND SHE TOLD ME TO STAY IN TOUCH AND PAY WHAT I COULD, WHICH I HAD CONTINUOUS COMMUNINCATION WITH THEM AND WAS TOLD THAT REPORTING WOULD BE PUT ON HOLD AND THEY WOULD DEFER MY PAYMENT AND CREDIT REPORTING WOULD RESUME IN XXXX. I MADE A {$2500.00} PAYMENT AND ANOTHER {$1500.00} PAYMENT WHICH WAS SENT BEFORE XXXX. 

ONCE XX/XX/2020 CAME I MADE MY NORMAL PAYMENT AND THEY REPOSSESED MY CAR AND TOLD ME THAT I WOULD HAVE TO PAY {$12000.00} TO RECEIVE THE BMW BACK, THEY NEVER DEFERRED MY PAYMENT THEY DEMANDED THE PAYMENT ALL AT ONE TIME. 

I WOULD LIKE HELP WITH THIS MATTER BECUASE THEY USED FRAUDLENT TACTICS AND LIED AND LED ME TO BELIEVED SOMETHING TOTALLY DIFFERENT. 

REPSPECTFULLY XXXX XXXX XXXX

Company response to consumer: Closed with explanation