vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a new us bank account XXXX XXXX. I received my card and the first transaction ever I attempted to XXXX {$100.00} but was unable. I called us bank customer service and was told my account was frozen for suspicious fraud and I needed to contact a e fraud rep and resolve the issue with him. I called the representative and he Explained me he can not tell me why the account was flagged but advised me to go into a branch and show my ID but as of that day my account would be frozen and I can not access any funds until I can go into a bank with identification. So today XX/XX/2020 I went into the blue diamond location and took my PASSPORT, XXXX SHERRIFS CARD ( which has my name, dob, and photo on it ), MY INDEPENDENT BUSINESS LICENSE, MY HOSPITAL DISCHARGE PAPERWORK, MY XXXX XXXX, AND MY XXXX bill. The manager proceeds to take copies of all my documents and informs me she will not allow me to access any funds until she speaks directly with the fraud rep and tell him I was able to be verified. The rep mark is off today. I asked her if there was someone else in that same department we can call so I can withdraw my funds before I leave. She told me NO and she was not going to repeat herself and told me i have to wait for mark and her to speak to release my funds and unfreeze my account. So I left the bank on years because ITS ALL THE MONEY I HAVE! So I left the branch thinking maybe in a few hours I can go withdrawn my money to get groceries and pay some bills. I get a call 20 minutes after leaving and the fraud rep said nope you cant have any of this money cause this isnt you and you dont look anything like the identification provided. What? I dont know what to do, they refuse to close the account or send me any funds. They stole my money and discrimination against because my last name is XXXX and Im a XXXX XXXX. The fraud rep treated me like some criminal and told me to go get a real job instead of scamming people. I need help. I am considering retaining an attorney to sue this branch.

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 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have a second home that is rented to a tenant on XXXX the XX/XX/2020 myself as well as the tenant at the property were forced to stop working due to the coronavirus. I continued to make the payments until XX/XX/2020 I called and requested a deferment, at that time I was told I could put in for a forbearance Loancare will not start the deferments until XX/XX/XXXX. XX/XX/XXXX I could call back on the XXXX. of XXXX. I put in for the forbearance I was approved on XX/XX/2020. On XX/XX/XXXX. I called a requested the deferment I was told they would keep the forbearance in place until the deferment go through it should take about two weeks or up to 30 days. I called over ten times to check the status of my deferment I was told my deferment was being processed. Each time I call, I was told the same thing but nothing was being done after that I received a negative report on my credit report stating I was 60 days late causing my credit score to drop by XXXX points. I contacted loancare again on XX/XX/2020 requesting my credit report be fixed also an update with my deferment. Loancare has continue to give me incorrect information about my deferment request.The last call I made on XX/XX/2020 spoke to the loss mig. dept again now I'm being told she is not sure why they have been telling me my deferment would be done in a few weeks XXXX stated my request has never been put into the system she did see the request to have my credit report corrected but it has not been done. My previous tenant moved out the house. On XXXXXX/XX/2020 I was able to put a new tenant into the property therefore I started right away making my payment effective XXXX XXXX. XX/XX/2020 now I'm being told by XXXX to stop making payments until they put my deferment in the system but it is no guaranteed your deferment will be approved. Now this is starting to sound really crazy at this point. I was unable to pay my loan due to the pandemic for three months now I have a new tenant in the property now I can pay the mortgage each month but I'm told to stop making payments until I receive my deferment that is not a guarantee. This is really crazy I need your help on this matter. I'm trying to get the three months I missed on my payments deferred, I will continue to make payments to my loan since income is now coming in. But at this point I can't trust that Loancare will do right by my loan and help me get the deferment in place so I don't have any future problems down the road for something that was completely out of my control, an act of nature the covid-19.

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 2020-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: CA

Complaint narrative:
I was in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. Fedloans forgot to apply it and then when I called in XXXX they put it retroactive But they submitted a late payment En XX/XX/XXXX and damage my credit. I send letters and they state we reported you before we apply the forbearance. And even when u forbearance was approved previously in XXXX, we cant fix the credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 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: GA

Complaint narrative:
I contracted Tran-union customer service center about errors on my credit report about unknown hard inquires i never seen before.They refused to help with the issue so im forced to file a complaint. Im a victim of there previous " inquire issue '' i would like these unknown hard inquires deleted report as soon as possible because its effecting my credit. 

List of hard inquires : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent Outsourcing ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. 


DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.

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 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Today at XXXX I called Nissan Financial to ask for past due payment and the upcoming payment moved to the end of the loan. I had a guy who refused to give me his name and was very hard to understand. I explained to him for him to submit my request and he asked me right away why? I replied because of covid19 my hours have been reduced at work and I am only part time right now. He said well I can only move one payment to the end of the loan and I said but my next payment is around the corner. Then he said that he was going to report me to the credit burea for not paying car loan. From my understanding late fee during covid19 are being waved and late payments are not being reported because of covid19. All that I asking is for my past due payment and payment due on XX/XX/XXXXmoved to the end of the loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX I made and cancelled a purchase on XXXX via PayPal credit for {$330.00} and their special credit financing yet an error caused it never to be processed on the Synchrony Bank side and only on the PayPal side. I was told by multiple reps it would be fixed and some tried to lie and claim it was credited YET it STILL showed as part of a special financing balance until last month when it was credited off to remove it BUT then put BACK on as a miscellaneous charge. Ive provided documentation which proves what I allege. They simply refuse to fix it. I have screenshots and explanations that explain everything. If it was refunded in XX/XX/XXXXlike it was supposed to it wouldnt be showing as part of a special financing balance as late as last month ( see second screenshot ). Then further trying to defraud me they said theyd fix it BUT merely adjusted it not to show as the balance it was then created a miscellaneous charge to put it back on the account ( see third screenshot ).

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 2020-09-16 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: MN

Complaint narrative:
This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my Trans Union, XXXX  and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 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 2020-09-16 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: MN

Complaint narrative:
This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 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 2020-09-16 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: MN

Complaint narrative:
The following credit inquiries thats currently listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, and XXXX XXXX XXXX XXXX XXXX, XX/XX/20.

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 2020-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I filed bankruptcy on XX/XX/19 and included my checking account balance my savings account remained open. I had my unemployment direct deposited into my savings account and my whole check was taken for the balance on the checking account which is no longer open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My complaint is against the Capital One 360 checking account I am game account with them and they said something was fraudulent on it so they put a freeze on account it's been three months they said they were going to close my account they  haven't done anything with the money they won't let me take any money out but they keep letting money go in there and they keep telling me they're going to close it but they keep accepting cash and then they sent me a letter saying they're not giving me any more money back out of it and we got like {$1300.00} in it and they just couldn't write to me told me there's some good accounts not close but it's not my account anymore and there was still in my name and everything still might they just decided they were going to give me my money and I don't understand how they can do that it's my money my account there is nothing project XXXX if that was the case they would have charged me or they would have did whatever it's been 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : Experian, XXXX XXXX, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now Transunion and XXXX  have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was XXXX in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on Transunion or XXXX  and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.

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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
A few months ago this random company showed up on my credit report saying I owed money. I have no loans and have never heard of them. They suddenly send me fliers asking that I pay them. I attempted to reach out numerous times for verification and they just send more requests for money. I attempted to dispute on credit report but they fought it without providing me proof.

Company response to consumer: Closed with explanation