vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
I was going over my credit report I noticed several accounts from XXXX XXXX, XXXX XXXX XXXX XXXX I have never had an account or contract for service with EITHER COMPANY please provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Trans Union, XXXX   and XXXX diligent examination of 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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2020 I applied for a Chase credit card for my XXXX. I was asked for my personal ssn # after providing the EIN. My SSN # was ran instead of my EIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.

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 2020-03-09 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: FL

Complaint narrative:
I was going over my credit report I noticed several accounts from XXXX XXXX, XXXX XXXX XXXX XXXX I have never had an account or contract for service with EITHER COMPANY please provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX, Equifax and XXXX  diligent examination of these accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
To Whom It May Concern : My wife has a loan serviced by Navient. It is past due and they sent a generic email, on XX/XX/2020, offering to put the loan in to deferment/forbearance. They requested a simple reply of " yes '' to make this happen. I replied to this email requesting information about loan forgiveness options available to her as she has been a XXXX in a XXXX XXXX XXXX XXXX in the State of Texas for more than 10 years. My understanding is that some or all of her loan balance should be eligible for forgiveness. 

I received the following response on XX/XX/2020 : " Thanks for replying! Unfortunately, we're unable to discuss specific account information via email. We're able to assist you via phone, just call XXXX. '' I responded to this requesting correspondence via email or certified mail only. I want a paper trail to keep a record of correspondence as I have been lied to about payments and options available to her in the past. 

They responded to this request with : " Thanks for replying. Unfortunately, we're unable to process a forbearance until you specifically reply " yes '' to this email. '' They can't discuss payment options and programs that my wife may be eligible for via email or certified mail, but they can put her  loan into forbearance with a simple reply of " yes '' to an email? 

I attached a copy of the email correspondence. Please note that I have permission to represent my wife with Navient and any written or verbal statement by her can be provided to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been a US Bank customer for over 10 years. I use online banking for bill paying & transfers. 

They want to verify my identity online and they WILL ONLY DO THAT BY TEXT. 


I DON'T TEXT. I SHOULD BE ALLOWED NOT TO TEXT. THIS IS NEW - I DON'T USE MY CELL PHONE EXCEPT FOR EMERGENCIES. 

I AM XXXX AND SHOULD HAVE THE RIGHT NOT TO TEXT!!!!! 

NOW I HAVE TO GO TO MY LOCAL US BANK AND GET THIS CHANGED OR CHANGE ALL MY ACCOUNTS TO ANOTHER MORE CONSUMER FRIENDLY SENIOR BANK.

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 2020-03-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including TD Bank N/A- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is TD Bank - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute regarding the incorrect items on my credit report, it has be well over 30 days. And I have not received any Investigation results.

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 2020-03-09 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: FL

Complaint narrative:
On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XXXX- prior to  filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.

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 2020-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XX/XX/XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I cancelled a prepaid trip with a travel agency. The prepayment was made via my CITI VISA COSTCO credit card and the travel agency processed the refund back to my VISA caerd on XX/XX/2020. That produced a credit balance on my card of over {$10000.00}. VISA applied part of the refund against my current but not yet due balance and reflected the remaining amount as a 'credit balance ' of {$9900.00}. I asked VISA on XX/XX/2020 to refund that credit balance to me via a transfer to my money market account. I was told it would take 3-5 business days to process the transfer after it was approved. Today is the fifth business day since I made the transfer request and CITIBANK 's customer service team tells me that the transfer request, a refund, has not been approved yet and there is no time line as to when that approval will occur. Only after that approval does occur, will the 3-5 business day timeline commence. Hence, CITIBANK could retain my funds for an indeterminate period before I can receive a refund of money which I had previously remitted to them when I paid the balances that I had previously charged with the travel agency. In essence, CITIBANK is getting an interest fee loan from me by delaying a refund of my money.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never opened a capitalone Walmart credit card. My account was switched from XXXX XXXX to capitalone without my knowledge or permission. I sent my payment to my usual account. I sent my payment to XXXX XXXX as usually thinking my payments were being applied. After my payment was returned I found out my account for my Walmart credit card was switched to capitalone without my knowledge. My autopay was also cancelled without my knowledge. This resulted in a late payment mark on my credit report through no fault my own. I sent my payment to my usual bank just to find out they switched my account to capitalone without my knowledge. I paid my account on time. This late mark needs to be removed. No one from capiitalone has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I have had this credit card since 2008. For years I struggled financially to make my payments in full. Last month I genuinely forgot to make a payment of {$100.00}, and since I did not pay my balance in full I incurred a {$57.00} charge on interest. This credit card company charges you interest based on the amount of purchases you had in the month. I called to ask if they could waive the fee since it was an error on my end and I have never in the 12 years of having this card asked for an exception. They were very unwilling to help, they placed me on hold on for about 20 minutes trying to locate a supervisor. I was  transferred to corporate. The lady ( did not write her name ) had no empathy and rapidly told me she can help me close my card since I shared with her that this card had no benefit to me due to the large increased interest charges. She did not care to listen to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I received a Garnishment Summons that shows a Total Balance Due of {$890.00}, the Judgement Creditor 's Attorney submitted the information for Garnishment after I missed payments according to a XX/XX/XXXX agreement. Which stated I would pay {$100.00} per month on the {$1200.00} balance. I made two payments and XX/XX/XXXX, my wife was admitted to the hospital. I missed payments because of this medical hardship, then had a change in employment on XX/XX/XXXX and I received the summons XX/XX/XXXX. I admit I didn't notify them of my situation because it was a lot to deal with caring for my wife and XXXX children while working full-time and some financial matters fell behind. 
The summons states the following : {$3700.00} Judgement Principal {$3600.00} Credits {$21.00} Interest {$70.00} Judgement Costs {$0.00} Attorney Fee {$630.00} Garnishment Fee {$890.00} Total Balance Due I spoke with representative  named XXXX on XXXX, XX/XX/XXXX from the Attorney 's office and was informed my Outstanding Balance was {$1200.00} according to their records. I asked why the summons stated a lower amount and he proceeded to explain that my XXXX XXXX XXXX XXXX account activity would be frozen until the court date of XX/XX/XXXX. I expressed my confusion on differing amounts outstanding and was told it was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I modified mortgage loan with the Chase 6years ago when I close Finance I signed on the paper and I initialed the bottom of the right side corner. I want to get copy of original Statement what I Initial signed, Because when I settle with the bank Bank Chase no interest for {$180000.00} no interest but right now balance is {$250000.00} and variable maximum interest rate up 4.25 % than after 5year intree rate. Will be fix but right now 4.9 % they charge me so much. I  requested I want to see original paper I didnt receive that they never send it to me, I requested original first signed paper 6 years ago with my initial each paper loan documents. Chase not help me verify my loan paper. Please help me. My mortgage loan number is # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
law saids they have 30 days its been 35 days remove the ftc violations two capital one bnak all inquires XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: VA

Complaint narrative:
My Experian credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.

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 2020-03-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
law saids they have 30 days its been 35 days remove the ftc violations two XXXX  XXXX bnak all inquires XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  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 2020-03-09 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: LEXISNEXIS
State: NV

Complaint narrative:
law saids they have 30 days its been 35 days remove the ftc violations two XXXX XXXX XXXX all inquires XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
I applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.

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 2020-03-09 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/Navient in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with Navient is on automatic payment however somehow this account was not.It appears that Navient had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. Navient allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked Navient to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. Navient will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NV

Complaint narrative:
after applying for new credit, I was denied. I requested a copy of my credit report and noticed accounts that were not mine. I reported the discrepancy and filed a complaint. I was a victim of identity theft.

Company response to consumer: Closed with explanation