vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, Wells Fargo closed my debit card, without any warning whatsoever, because I accidentally pressed order multiple times on XXXX. The app instructed me to resubmit, due to error and I never received any verification request from the bank, so I assumed it was a glitch. At this point, I didnt even know that my card was closed. I contacted support right away, via their apps chat and spoke to XXXX, who informed me that the card was automatically closed by the bank because I was re-attempting XXXX, XXXX, and XXXX charges. XXXX automatically attempts to reprocess charges if an order doesnt go through when they are trying to ship it. I also tried moving some money to my XXXX  account because I thought that maybe it would work at XXXX  if I tried a different card. XXXX instructed me to visit my nearest branch to request a new card. I visited my nearest branch on XX/XX/XXXX & spoke to a banker, who had absolutely no idea why my card was even closed, but informed me that his manager would have to override the request to issue a new one. He stated that his manager was currently out of office and in XXXX  & did not know of her expected arrival. All that they could offer me at the present moment was an atm card and he suggested that I come back another day. I am XXXX, on limited income, and nobody in my household has a vehicle at this time so I cant just go another day, especially if my card is disabled ( preventing me from requesting XXXX  ). This is the only card that I had at the moment and my direct deposit goes through them. I attempted to explain this all over again to multiple WF representatives but none of them were able to assist me or close my account. It is now about to be XXXX and I still dont have a card.

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 2021-01-21 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: Transfinancial Companies, Inc
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I reached out to Navient Corp, student loan servicer, to inquire about the current balance of {$17000.00} shown on my {$30000.00} private student loan, thereafter 124 monthly payment of {$350.00} were made, insofar, totaling, a repayment of {$43000.00}. This sum is in the neighborhood of the final amount they are supposed to collect over the life of a {$30000.00} loan with a repayment duration of 10 years, at 5.75 % interest rate. Not only do I question the amount to be much higher than normal, but also to stipulate whether the loan, at this point, should be paid off. Instead, if adding to remaining balance of {$17000.00}, the amount of {$13000.00} already paid, in excess, over the disbursed amount, of {$30000.00}, Navient plans to collect at least the sum of {$30000.00}, in finance charge! This is both ridiculous and absurd to charge an interest rate of 13.50 %!!, which, though variable, caps at 8 % : Here is the response I received from Navient ( I have attached the letter with my complaint ) : -- -- -- -- -- -- -- " It is important to understand that interest accrues beginning at disbursement until the loan is paid in full. Your Private Signature Student Loan was disbursed for {$30000.00} on XX/XX/XXXX. The Disclosure Statement sent to you at the time the loan was disbursed provided an estimated finance charge of {$40000.00}. In addition to the disbursed amount, this would total approximately {$70000.00} over the life of the loan. 
The finance charge provided on the Disclosure Statement is an estimate and can vary based on the actual interest rate charged on your loan, as the interest rate for your loan is variable. This amount may also change due to the use of deferment, forbearance, or making late or reduced payments. '' -- -- -- -- -- -- - I have NEVER agreed to a finance charge of {$40000.00}, in addition to repaying a {$30000.00} student loan!! Irrespectively, in the event I did sign for such loan, this finance charge would be strictly above the chart of allowable fees, and void, by law. Moreover, the exorbitant charge shall be interpreted as evidence of financial tort and business malpractice, on their part, instead of used to prove I agreed to repay such an abusive fee. I was financially misled by Navient, who is wrongfully overcharging an interest of 13.50 %, instead of keeping the rate within the required 4.75 to 8 % bracket. If the current repayment plan were to be maintained, when {$70000.00} is finally collected, subtracting {$44000.00}, it would result in an illicit extra surcharge of {$26000.00} ( approximated ). 
It is important to highlight that although the loan forgiveness program was created in XXXX to discharge public workers of their student loan obligations in exchange for their community service, forgiving Navient, for its disservice, is out of question, today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-21 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: CA

Complaint narrative:
XXXX/XXXX XXXX Balance {$0.00} - The account is confusing, it looks inaccurate and unreliable, please be vigilant to render evidence that you have not violated the fair credit reporting act by way of filing the account type as is available. If you fail to give proof that you've not violated my own privileges given to me underneath the FCRA and also the FDCPA you should get rid of this invalid post on my credit 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 2021-01-21 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TX

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-01-21 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: I.C. System, Inc.
State: CA

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any 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 2021-01-21 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-01-21 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX college has been charging my Discover card {$50.00} every month from XXXX XXXX to XX/XX/2020. I did not authorize or sign up or enroll in any services nor have I been provided with any services from XXXX College. I have turned this into Discover as fraud and requested they give my money back and they did only to allow XXXX College to charge my account again. Todate I have had new cards issues and they are still charging. I have asked Discover to block these charges as they are fraud. I have called the school requested documents regarding this and they refuse to send them out and Discover has not received anything from them as well yet they keep allowing the charges. I have wrote to Discover and XXXX clearly stating I DO NOT AUTHORIZE AND HAVE NEVER AUTHORIZED ANY CHARGES TO MY ACCOUNT. They still are charging me and refuse to correct or XXXX me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: IL

Complaint narrative:
I am unable to login to the Equifax website to access my account. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and I am not able to access the online Equifax portal. I called Equifax ( XXXX ) on XX/XX/XXXX around XXXX PST and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. I am still unable to login to my Credit report Account with the error message " Please call customer service '' I received an email from Equifax on XX/XX/XXXX ( see attachment ) stating that the issue had been resolved. However, the problem persists ( see website screenshot attachment ). 

This is my 3rd complaint, Equifiax does not address the matter but merely responds with a generic response that does not address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX BALANCE {$0.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX XXXX BALANCE {$0.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.

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 2021-01-21 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: CA

Complaint narrative:
Dear Sir or Madam I am a victim of Identity theft.

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 2021-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
XXXX XXXX Loan Agent | Fax : XXXX Office : XXXX Fax : XXXX Hi XXXX - Due to the credit score being below 600 - we're not able to get you approved. 

The message above is what I received from a lender after seeking to refinance my home. 

I am the mother of a daughter who has a Student Loan with Navient. I co-signed the original loan over 20 yrs ago. The original loan was not with them, they apparently purchased it. 

She is and has been in school full time since last XXXX ( XXXX ), they were suppose to have given her a deferment, but has not, yet instead, kept the loan payments going and due. And that reflects on me. We found out recently and inquired, with no response so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I had my phone services turned off by XXXX XXXX I had a month to month service no contract and I only had the senior citizen bill for ( XXXX a month no contract ) but XXXX kept overcharging me and taking wrong amounts off the card I payed them with and I had been asking them to stop over charging me they never did so I disputed my XXXX bill and XXXX turned my phone off even though they got my payment for XX/XX/2020. And they lied about not having the money for XXXX so I called my card company AND they said XXXX still had the XXXX payments and then I payed them for XX/XX/2020 and they turned my phone off AND kept my XXXX payment of ( XXXX ) I had them payed up they never turned my phone back on they never porated my XXXX payment they took my money and never turned my services back on! And then while my is off they trying to collect a three month payment from me. I do not have thier services anymore and they been charging me and other customers ( ( 2 to 3 months ahead without even using thier services this is defintely illegal and they sent the bill collection a false bill amount knowing I owe them nothing and knowing they turned XXXX my phone even though I had month my bills for XXXX and XXXX of XXXX 2020 XXXX they kept my whole month of XXXX payment AND did not! Restore my services. This company is a fraud and extremely out of the law and all federal rules policies and regulations I called the collection services and told them I owe XXXX XXXX nothing they took my money mhe bills was payed up with them AND they turned off my services with my bills beening payed up in full! And they sent the bill collection a false bill for services I did not receive and never will. I only had a month to month bill with them prepaid flex services no contract. They needs to be investigated and arrested. Sending false bills to s collection agency and my bill payed in full and they charging me for a disconnected no working phone bill! Now that's fraud scamming laudering and thief and lies. They are straight out thieves and needs to be closed down and defintely arrested AND in prison. You do not sent collections agencies fate bills knowing you disconnected the customer services and keep my payment and never returned it. You all be blesssed in loving XXXX AND OUR loving father our XXXX. Sister.XXXX XXXXXXXX and they are refusing to give me a paper statement for my bills payments and I asked them to email them they still refused and never did sent any. I told them it's my civil rights to request AND get copies of my bills and payments they refused and sometimes they hang up on you and never sent anything.

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 2021-01-21 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: TX

Complaint narrative:
XXXX. Transunion. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.

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 2021-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian. XXXX. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase has taken money from my Checking account and blocked access with nothing in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Utah System of Higher Education
State: TX

Complaint narrative:
UHEAA is reporting negative on no payments from 3 months in XXXX. 

I XXXX XXXX XXXX in XX/XX/XXXX. Two years time was given, its on my promissory note, to pay back before anything negative would happen. 

They began sharing negative information about payment to the bureaus within the 2 year period I was not required to pay. And they did it on not one, but two loans I had with them. 

How can they ignored the conditions of their own promissory note? Thats illegal.

Company response to consumer: Closed with explanation