vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: NV

Complaint narrative:
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I contacted GM Financial in hopes of receiving relief because I was 14 days behind in my payment. Therefore, during this call, GM Financial Representative provided several options, then I proceeded to exercise one of those options, which I was immediately denied. Confused, I inquired about the denial, the Customer Representative stated, I needed to pay my bill, which was 14 days late. I requested to speak to her supervisor, the representative tone, volume, and pitch became increasingly unprofessional and hostile. Therefore, the GM Representative ( XXXX ) eventually disconnected the phone, while I was in mid-sentence. I called back, to only have a representative answer, while obnoxiously laughing. A couple of weeks had past and I requested for the vehicle to be repossessed, then the charade begun, with " we are sorry for how you were treated, '' " we are sorry the representative misinformed / misquoted our policy. '' In addition, the representative falsified the notes, which created a debacle about whose telling the truth. Well, I have written the XXXX, and provided more in-depth information, and I can say my biggest mistake was becoming a customer of GM Financial. I am completely disgusted with their treatment of me and this topic. Furthermore, I was talked out of returning the vehicle ( repossession ), because I was informed, if I paid a small fee, that XXXX and XXXX payments would be placed at the end of the contract and my credit would be restored, which was another lie. As aforementioned, I should have never became a customer at all. I have 59 miserable payments to go, which I feel ( re ) victimizes me every month, afterwards, I will request for it to be deleted from credit report, because I never want to look at this mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30 day 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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a formal complaint that PORTFOLIO RECOVERY are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a formal complaint that TRANSWORLD SYSTEMS INC are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have 3 credit inquires that I never authorized or applied for. 1. JPMCB. I never applied to this company and never requested a credit from them. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX  delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX XXXX.I authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. Nordstrom TD Bank. I never authorized this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: NV

Complaint narrative:
There are 3 accounts reporting on my credit profile that I have never opened not provided my permission to obtain 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 2020-05-05 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: IN

Complaint narrative:
I'm filing an official complaint with the 3 major reporting companies, " Transunion, XXXX, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX  # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX 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 2020-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
IM ASKING FOR the original instrument of indebtedness in its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union ( NFCU ) website has published refinance rates that appear to welcome you ( teaser rate ) to apply for a mortgage loan. In the comments below they add another 3/4 % to the rates if your current mortgage is not with NFCU. I have been a member for many decades and it does not make sense that as a current member I have to pay more to use a credit union service. 

Spoke with customer service twice and basically my impression was that management made the decision to tack on this additional cost mid XX/XX/2020. 
I understand that NFCU is busy with providing services but as a current member they want me to pay more than someone who is not a current member. 

This is information in quotes that NFCU has on its conventional mortgage website : " Rates displayed are the as low as rates for purchase loans and refinances of existing Navy Federal loans. Rates for refinance loans where the existing lender is not Navy Federal are subject to a 0.750 % higher rate. '' I don't believe this aligns with the fair lending act and feels a bit discriminatory. 
NFCU is excluding current members with mortgage loans elsewhere from enjoying/benefiting from the interest rate under a refinance. NFCU is excluding a large group of members from refinance since the added fee makes the cost higher. 

" Disparate Impact A lender 's policies, even when applied equally to all its credit applicants, may have a negative effect on certain applicants. For example, a lender may have a policy of not making single family home loans for less than {$60000.00}. This policy might exclude a high number of applicants who have lower income levels or lower home values than the rest of the applicant pool. That uneven effect of the policy is called disparate impact. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: IN

Complaint narrative:
I'm filing an official complaint with the 3 major reporting companies, " XXXX, Equifax, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX  XXXX XXXX # 5.  XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: IN

Complaint narrative:
I'm filing an official complaint with the 3 major reporting companies, " XXXX, XXXX, and Experian ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # 5. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX 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 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
During this covid-19, wallmart credit card managed by capital one bank not offering any deferred payment, on top chargeing late fees. 
I request today to delay my payment, since i am having trouble marking payment they denied to help not only that XX/XX/04 my payment due date and i called bank to waive my late fees they refused because cutover time is XXXX. Since i called XXXX so i have to pay late fees. Although all other credit card companies help me by offering deferred payment without late fees. But Capital one refuse to do so for past month on ward. Although they are saying they are helping which is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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:
This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On Thursday XX/XX/XXXX, I had contacted Macy 's credit card company to try and take care of a charged off account that I had with them. The rep stated that the account has past statutes of limitations, and that I could attempt to mail a payment in full ; however they couldn't confirm that it would do anything to the balance. I'd like to preface this complaint that I had no intentions of having this account ever go delinquent. We were faced with a really difficult family issue which consumed a good portion of our savings which was tragically followed by a loss of family income. We are trying everything we can to get back on our feet, and I was taken back that the rep had informed me that nothing can be done due to the account being past these statutes. I am concerned that I can not even try to work directly with Macy 's to satisfy the account.

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 2020-05-05 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 12 student loans that are over 7 -10 years old with Navient. While starting my XXXX  career, It was recomended everytime I called about default concerns that I put them in forbearnce, which I complied with. About 3 years ago, I decided to accept an offer by XXXX to consolidate the loans, and I entered the income driven repayment plan and applied for the PSFL program, because I XXXX in a XXXX XXXX XXXX XXXX XXXX that qualifies for the 120 payment loan forgiveness program. I have made over 30 payments by autopay, and on my credit reports it indicates an excellent payment history for the past 3 years. When I consolidated and entered the program, I was told this would help my credit rating and it has not. The problem is that Navient still has the twelve loans that are 7-10 years old on my credit reports and they show paid with a XXXX   balance. Last year, I contacted Navient and requested that they remove the loans from my report since I consolidated, they are paid in full, and I have a good payment history with the income driven repayments for the past 3 years. They denied my request, and now all twelve loans indicate 1 payment 90 days late in 2016 and it is hurting my score. The late payments didn't show up until I requested that they remove the loans from my report. I couldn't have made a late payment, because I never made a sigle payment during all the years of forbearance and everytime I called, they thanked me and said " I showed a current forbearance status. '' Is Navient exempt from reporting loans that are over 7 years old?  My complaint is that I am working hard to pay on time for three years now, and Navient does not seem willing to help with my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020 at approximately XXXX I contacted oportun in order to bring my past due loan current. A divorce that slid into larger financial issues with the commencement of a national pandemic emergency caused me to financially lose my footing. The first representative I spoke to informed me that my loan was charged off 4 days prior. For context my last payment was about 90 days prior at the end of XXXX. The concerning part was that this representative refused to tell me information such as the balance at charge off or how much I fell behind. He violated my financial rights by refusing to provide information crucial to the process to pay this debt. He misrepresented material facts about the collections process. At one point he claimed I missed 13 payments which would have meant I havent paid in a year. I asked if oportun could work with me, but he told me that they dont do that. I asked again since I know the XXXX has asked lenders to work with customers in this extraordinary time. I escalated my concern to XXXX a supervisor for oportun at about XXXX. The supervisor was unable to provide any assistance. I think oportun should act in good faith and work with consumers like regulators within the industry have asked and not act in a predatory manner. I just want to bring my loan current, but can not pay off the note. I can make a payment anytime they can work with me.

Company response to consumer: Closed with explanation