vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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: OK

Complaint narrative:
I was contacted by Navient back in XX/XX/2020. Navient told me my loan was fixing to be due. They told me I had to consolidate my loans in order to get Public Loan Forgiveness. So, I filled out the paperwork for the consolidation and the Public Loan Forgiveness, ( PLF ) documents. I sent the PLF forms in to the Department of Education and it was approved. I also filed the consolidation paperwork online as I was told to do so. I then found out yesterday that my PLF working dates ( which are numerous years of XX/XX/XXXX ) would start over because I consolidated my loans. I called Navient and explained my situation. I told them I wanted to stop the consolidation so that I could get the loan forgiveness. Navient 's representative told me again I had to consolidate in order to get PLF, which was not true in my particular situation. He then told me I could not get the consolidation reversed because it had been over ten days. I called the Department of Education back and they said that Navient could reverse the consolidation loan. I called Navient back and they said they would put a note on my account but it probably will not work because of their ten day acceptance policy. Please help me figure out how to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: LA

Complaint narrative:
On XXXX, I reached out to Victorias Secrete in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that Victoria Secrete had updated my credit report showing my account late as of XXXX and XX/XX/2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX AND XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For 2 weeks now, beginning XX/XX/XXXX, my ability to access my information on Equifax has been disabled. I called in to Equifax to express my concerns every single day last week. Each day, the operator told me they are having a " system update and advised me to call back in a few hours. '' I finally ended up speaking to an escalation team member who admitted that they were undergoing a full Equifax software and portal system implementation and change that has somehow disabled everyone 's credit file access. Due to this, no Equifax operator is able to access my credit file. I am not able to access my credit file. The online MyEquifax system is down. It states to call them but phone calls are useless because they can not get to my credit file. I asked them why they are answering phones if their systems are down. No valid response. I want this resolved. I want a notification sent out to all consumers stating that their system is temporarily disabled. And I want compensation for the several hours I spent calling and remaining on hold for them last week just to be told a lie. They are unwilling to report what is the fact that they have no system ability right now and should not be open for business until that system has been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: OH

Complaint narrative:
I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2020-11-24 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On or about XX/XX/2020 I submitted vis my US Bank Relia card a Bill Pay in the amount of {$2000.00} ( XXXX XXXX dollars ). This payment was NOT received by payee. I did a phone inquiry to US Bank on or about XX/XX/2020 was told to wait 5-7 days and it would be back in my account. As of today it has not been returned. I called US Bank again spoke with XXXX who said he would tell his supervisor and it would be handled. He stated that he didn't see reference to my prior call. I am filing written complaint as their customer service lacks credibility an I don't think it will be handled. 

Also another concern, Thank God I didn't ( back when I received funds ) need to use them right away so there was over XXXX ( XXXX XXXX ) in my account when I received a NON Fraud overpayment notice ... .I needed to return XXXX & XXXX to department of labor & PAU ... .I thought I could just send bill pay to these agencies. However, after inquiring at US Bank..I was told NO ... .I had to withdraw maximum of XXXX daily and pay fees!!! until I get the needed funds ... they also have a cap on transfers and bill pay ... .If this is MY money ... how by law can I not withdraw and repay Govt??????? Thank You

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 2020-11-24 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: NC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
We participated in a group tour in XX/XX/2020 that included travel to XXXX. Due to the spread of the coronavirus pandemic, we decided to leave the tour early and made flight reservations on XX/XX/XXXX to leave XXXX for XXXX on XX/XX/XXXX, using a website operated by the merchant, XXXX. We paid with our Capital One credit card. On XX/XX/XXXX, the government of XXXX announced closure of all international travel in and out of XXXX. We were in XXXX with our tour group at this time. Our tour group agents personally visited the XXXX airport on the afternoon of XX/XX/XXXX and morning of XX/XX/XXXX, and advised us that no flights were authorized to leave the airport, and that we should not go to the airport. We contacted the Merchant on XX/XX/XXXX concerning this matter and did not receive a response. We contacted the United States Embassy in XXXX and were told that all flights were suspended effective XX/XX/XXXX and that we should not go to the airport. We promptly cancelled the flight reservations on XX/XX/XXXX and were able to visit with a Merchant representative, who indicated that she was not in the country and was unaware of the airport closure. We have submitted copies of all relevant information we have on this matter yet Capital One appears to ignore the realities of the situation, even apparently agreeing with the Merchants claim that the tickets purchased by the customer were not affected by the Covid-19 travel Ban. So, we were expected to ignore the executive order of a government where we were traveling, our own governments embassys instructions as well as our legal agreement with our travel company? We did make a timely appeal of Capital Ones initial rejection of our dispute, which involves {$680.00}. In its final rejection letter to us, Capital One falsely claims that we did not dispute this charge within 60 days of receiving the statement that shows the disputed charge. This is not true-we sent them a letter dated XX/XX/2020 that disputes the charge-less than one week after we received the statement. We also contacted Capital One by telephone on XX/XX/2020 concerning the matter because we had received no response from them at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-11-24 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the XXXXair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have applied online with Shellpoint Mortgage twice online for their COVID assistance program and to date they have not helped me. I need help getting placed on the COVID assistance program with lack and failure of response from Shellpoint Mortgage. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
From my credit report " BK OF AMER Account Closed Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
BK OF AMER '' I assume this means the bank of America, with who I don't have a credit account with.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to close my US Bank checking account. US Bank agreed and mailed me a check dated XX/XX/2020. On XX/XX/2020 some charges hit that account, my wife had used the debit card inadvertently. I am not sure why they were not declined. Following these transactions I received communication from US Bank stating that my account was overdrawn. Based on this communication I continued with my regular direct deposit into the account. The direct deposit was subsequently declined and sent back to payroll. US Bank said they declined because the account was in the process of being closed. I received another notice from US Bank dated XX/XX/2020 stating they were going to charge me a fee and Charge my account off and place me in collections. I called US Bank on XX/XX/2020 and spent two and a half hours on the phone, speaking to six different people and multiple departments including supervisors. I was informed by two different departments that I needed to mail in a check to bring the account current. So, that day I a certified letter with a check to US Bank at their request. USPS says US Bank received the check on XX/XX/2020. Today is XX/XX/2020 and I am back on the phone with US Bank because the check has not been placed in the account. Today they are telling me that they can not deposit because the account is in the process of being closed. US Bank would like me drive to my local US Bank to solve the problem. I have informed them that I do not have a local US Bank. The closest bank is two hours away. No resolution has been provided. Currently I have been on the phone with them today for over an hour and still trying to get a resolution.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery reported on the Credit Bureau 's that I owed a debt to XXXX XXXX. 

They stated that they have purchased this debt. I contacted them by Certified Mail on XX/XX/XXXX and again on XX/XX/XXXX requesting Debt Validation, all documents concerning this account including documentation that was furnished when they purchased the debt, along with dates of payments. 

They did respond but refused to issue and documentation concerning the debt. To my best recollection this debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: MD

Complaint narrative:
I have loans from 3 different colleges I graduated from while working in XXXX XXXX  for the last 15 years and have applied for low payments and loans forgiveness working in XXXX XXXX XXXX. Each time Ive applied and sent in paperwork they claim nothing is on record and my loans have more than doubled due to interest. There was a time our XXXX  reduced my pay by XXXX one year and then I was laid off for 3 years as an administrator and all I could find was substitute work. Navient still did not reduce my payments, forgive any of my loans and impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX, I reached out to XXXX XXXX in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that XXXX XXXX had updated my credit report showing my account late as of XXXX and XXXX of 2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX XXXXD XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unable to manage/change information on Experian companies website, unable to reach a human person for help to mange/change information. They have completely and totally blocked the ability to : reach a person for help, offer help in any way, can not view or change information using website. No other company has been this much trouble. XXXX  and Experian both had manageable websites and phone numbers.

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 2020-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute with Experian and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX  and a dropped score.

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