vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: NC

Complaint narrative:
I initiated a credit freeze with Experian following their data breach several months ago, and received a security pin that I was told to keep secure and to use when unfreezing my credit. 

Today, I called Experian to unfreeze my credit. An automated system asked for my social security number, the numerical digits of my address, and a cell phone number where they could send a PIN. 

After entering the pin, I was sent to an associate who immediately unfroze my credit. No additional security questions asked : no security pin, no security questions, no verification of my identity ; nothing. This is a clear breach. 

The implication is that because of a clear lack of necessary controls, anyone could unfreeze my credit at any time, so long as they know my social security number and address. Unfortunately, due to the XXXX breach, I now consider this information " public '' information. 

This is extraordinarily dangerous and Experian should not be trusted to securely protect consumers from fraud or identity theft that they themselves enabled to begin 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 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I obtained this loan to construct a pool at my home. We only had this loan for a couple months before the home was sold and the loan was paid off. The title company who performed the closing contacted Aqua Finance and obtained the ten day payoff. The payoff was mailed, overnight mail within the ten days. When they received the payoff, they stated it was {$160.00} short and began harassing us for the difference. This account was paid off more than 9 years in advance and now they are reporting I was more than 90 days late on my payment. We paid them the additional money even though we did not agree with it and when I contact them and ask them to remove the late payments from my credit report, they are extremely rude and always tell me that I cost them money because I paid the loan off early. I believe that I am being punished both by the additional money I had to pay and the derogatory mark on my credit report because we paid them off early. Before we paid the additional money, I was getting almost constant calls and emails harassing me for the money. They were even calling my childrens ' phones. According to my review search of them, this is a common practice of Aqua Finance. We had no choice but to pay them the additional amount owed to stop the constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from Paypal in XX/XX/2020 that they were having difficulty contacting me and there was approx 5k balance this acct. I never opened a paypal credit acct. I contacted them and advised that i have been fighting XXXX and a disabling XXXX  XXXX since 18 months ago. I filed a police report. I contacted the credit agencies and froze my credit. I filed a dispute and told them i have 2 home care aids and i wanted to know who the fraud investigator was because i received a letter today stating that i benefitted or participated in the purchases.This is not true. They said they would reopen the claim but They clearly did not investigate and now want me to pay the bill. I have XXXX XXXX, XXXX XXXX, and XXXX XXXX These people should do their job!

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 2020-03-11 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Please also refer to complaint XXXX for previous information. 

I have sent requests to XXXX on XXXX, XX/XX/2019 and XX/XX/2019 and XX/XX/2019, asking they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX regarding this debt. In your response, CFPB wasnt able to forward it to the company for a response because the company is not in your complaint system. 

XXXX has sold this debt to Convergent Outsourcing, Inc. ( see attachment ) I have sent a letter to XXXX XXXX XXXX XXXX requesting they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX XXXX XXXX XXXX stating repayment terms.

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 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am getting repeated letters in the mail as well as phone calls from National Credit Adjusters saying that I am in debt to XXXX XXXX for {$1800.00}. This alleged debt was previously on my credit report by XXXX   XXXX XXXX collecting for XXXX XXXX XXXX. I filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX, and an agreement was made to remove the collection account from my credit report, not to be reported or resold again. I received no response. 

In XXXX XXXX, I was alerted by my credit monitoring service that National Credit Adjusters had illegally reinserted the previously mentioned collection account on my credit report. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: U.S. BANCORP
State: MN

Complaint narrative:
Twice in recent years XXXX XXXX XXXX, the issuer of my card, has paid fraudulent charges in spite of my objecting to the fraudulent charges. In the first case, I was able to recover the funds paid by XXXX over my objections with the help of the Consumer Fraud Division of the Minnesota Attorney General 's Office. In the second case, I filed a claim in Conciliation Court to recover the funds paid by XXXX over my objections and the recipient of the funds settled by paying me the full amount claimed.

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 2020-03-11 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
in XXXX of XXXX, I was contacted by " Allied Business Collections '' stating I was outstanding on a medical bill. I did not think I was, so I asked for proof to be sent to my address so I could validate the claim. I felt it could be a scam, after some research. Nothing was sent to me, so I assumed it was a scam. In XXXX, I received another call from Allied Business Collections, and they claimed they had sent this to my credit report - I told them I had asked for documentation of the bill I was outstanding on. They told me they would send one out, and claimed I had never asked for proof. They had never sent me anything, nor did the doctor. I paid this outstanding balance on the phone with the promise of documentation of this bill as well as it being taken off my credit report. 
This was the resolution I was promised, it is still on my credit report and negatively effecting my credit score. I also never received a bill with the proper bill information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2020-03-11 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So I filed a claim with wells fargo fraud department about a unauthorized XXXX transfer that was done in my account thats I was unaware of. I waited 10 business days to be only told that I was the one who sent the money when I have no relations to the person nor have I ever met them to be sending them {$440.00} and im a victim of fraud and need my funds returned back to me. They closed my account I have been banking with them for a long time and it frustrates me that they refuse to help me.

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America closed my account ( their decision ). On XX/XX/2020, I paid the total amount due on the statement. This was significantly before the due date. On XX/XX/2020, B of A charged me {$35.00} for interest. I was told this was " residual interest '' from the date the statement was printed to the date the bill was paid. While this may be in the fine print of the cardholder agreement, I do not think it is reasonable, especially on an account they closed. If I pay the full amount due before the due date, the account should be paid up. I spoke to customer service, and to a supervisor, who both told me they could not resolve my issue.

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I deposited a {$12000.00} check into TD Bank on XX/XX/20. Within 24 hrs my check was flagged a fraud. The check as been reviewed and cleared by XXXX XXXX XXXX  as cashed and by the pension fund via phone with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TEXAS XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 2020-03-11 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND CERTAIN ITEMS ARE APPEARING ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, THEY DO NOT BELONG TO ME. I AM MAKING A COMPLAINT BECAUSE THE FOLLOWING FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT REPORT AND I WOULD LIKE FOR THEM TO BE DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX 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 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I will file MONTHLY REPORTS with the CFPB until either my Student Loans are PAID IN FULL or Navient is HELP LEGALLY RESPONSIBLE for their DEPLORABLE BEHAVIOR! 

I don't expect this company to actually resolve my problems as that is not their modus operandi. However, I take solace in the fact that each complaint will cost Navient money when they have to research and respond. Each dollar that you have STOLE from me will be extracted in this manner.

Navient is the most crooked Student Loan Provider in the  industry! They steal a living off the back of working families and when that is not enough to satisfy them, they steal from the US taxpayer. 

Unfortunately, I fell victim to their battle cry " forbear them, forbear them, make them relinquish the ball ''. 

I have sheepishly relinquished the ball to Navient and their predecessor Sallie Mae for over 16 years and as of today, my balance is nearly the same as it was on day 1.

If the executive leadership at Navient or their predecessor Sallie Mae had any ethics whatsoever, they would have informed me that an Income Based Repayment Plan was my best option. This option was NEVER DISCUSSED WITH ME until all my deferments & forbearances had been exhausted! 

Why did you wait until 2018 when all my deferments & forbearances had been exhausted to tell me about the Income Based Repayment plan? 

Why did the company 's representative convince me that forbearance & deferments were my best option when in fact an Income Based Repayment Plan would have resulted in my loans BEING PAID IN FULL OVER 5 YEARS AGO?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Security Credit Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent an email to Security Credit Services , LLC trying to settle a debt that I saw on my credit report for {$660.00}. On XX/XX/XXXX, I got a response from them saying that the debt was sold to another company. I then asked if the debt was sold, why it is still being reported to my credit. She then said that she requested that it be removed back in XX/XX/XXXX, and she will send another one and to give it 30 days for it to be removed from my credit. As of today, XX/XX/XXXX. It is being reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-03-11 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Complaint against : Transworld Systems Incorporated XXXX I've told this company multiple times to stop calling me. There is no debt I owe them or any other debt collectors. They continue to call my cell phone every 2-3 days and leave voicemails. All they state in the voicemail is that " this is a recorded line ''. They then state " hello, hello, hello ''. And they finish by stating " no response received. Disconnecting call ''. I receive voicemails like this every 2-3 days. 

Here is a history of all the call attempts made by this company in the month of XXXX alone : - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}

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 2020-03-11 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}

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