vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This card had been opened in my name for a couple of years. I had shared my concerns with Capital One that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 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: FL

Complaint narrative:
Navient is reporting my student loan current on time for the months XX/XX/XXXXXX/XX/XXXX then in XX/XX/2018 Navient reports the same account 90-120 days late. 

How is the account on time, by Navient 's own reporting, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and  XX/XX/2018 then 90-120 days late XX/XX/2018? 

Navient is violating the FCRA yet continues to verify these lates with XXXX, XXXX   and XXXX XXXX. 

Navient then reports the account 90-120 for the months of XXXX XXXX-XXXX XXXX   when it was on time. 

There are thousands of complaints like this regarding Navient and they are damaging my credit, impeding me from buying a house. 

I want Navient to explain to the CFPB how the account is on time the previous 5 months of XX/XX/XXXX mentioned above then 90 days late the next month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Nelnet, Inc.
State: IL

Complaint narrative:
Secured FFEL loan. Loan was transferred to different servicers. Made numerous payments on loan. Servicer would not provide verification of loan payments made and balance owed. Made written demand for information through my attorney and servicer never provided any written verification of loan amounts. Servicer has turned matter over to collection instead of providing information. 

Tried to attach letters sent to servicer RE documents, but CFPB website would not let me upload the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
https : //www.dbtsolutions.com//contact-us.php Debt Recovery Solutions Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX  AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 on my Credit Report the account AARGON AGENCY INC was added to my transunion and there is no evidence or record with that agency.

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 2019-11-19 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: FL

Complaint narrative:
This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They told me my loan could be forgiven if i signed up. They pressured me in to signing up. I tried to stop them but they still tried to take money out of my account. They took over my loan, and didn't provide me with any information about the company. I dont know the name or agency they are with.They informed me that they were part of the student loan agency. I feel like i was tricked.

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 2019-11-19 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
This is a complaint against SUNTRUST XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were

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 2019-11-19 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: CT

Complaint narrative:
This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to 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 2019-11-19 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: CT

Complaint narrative:
This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CT

Complaint narrative:
This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to 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 non-monetary relief
Consumer complaint received 2019-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is a complaint against ALLY FINANCE I. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX  credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: IA

Complaint narrative:
On XX/XX/XXXX, I talked to XXXX XXXX, who was said to be a senior account manager for the XXXX XXXX XXXX XXXX ( premier student loan center ). She had me sign electronically some forms and send her my XXXX 1040 tax return for proof of income. Shortly after that I got conformation by email from XXXX XXXX that my proof of income was received. A few days later on XX/XX/XXXX I received an email requesting more copies of proof of income by a man named XXXX XXXX who also worked with XXXX XXXX. I then called them both with comments and concerns since I had already sent proof and was sent conformation proof was sent. The plan was said that I would pay {$240.00} per month for the first 5 months and then after those 5 moths I would be paying only {$22.00} per month until loan is paid off. I asked if I could pay more if I was able to pay more and I was denied that capability because they said then I wouldn't qualify for the forgiveness plan. On XX/XX/XXXX, I received confirmation from XXXX XXXX by email that my first payment of {$240.00} was processed and received. ( on the email it said " last '' assuming that was a typo ) as it was agreed my payments came out on/or around the XXXX of every month. I thought my loan was getting paid off and everything was good ... On XX/XX/XXXX, I received an email from XXXX about a Lawsuit - Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a/ Premier Student Loan Center, et al. As soon as I got this email I immediately contacted my loan servicer ( XXXX XXXX ) I talked to a woman who informed me that they have NOT received any form of payment from the XXXX XXXX XXXX XXXX or Premier Student Loan Center. So where was all the money I sent to pay off my loans going? I then called my bank and asked to stop all payments to the company and as I was going through my history I noticed that the names on the transfer changed ever so often. At the end of the day this is devastating to say the least.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Asset Management ( WFAM ) recently changed their login procedure to add additional security ; in doing so they have created a problem for the actual owner of the account. I spent an hour on the phone with a customer service representative changing my password and user ID and we could not get me access to my investment account. I requested to be transferred to a technical support tech but was told she had to put in a trouble ticket and someone would call me. I have not received a call from WFAM to resolve this issue. I have tried to two different browsers ( XXXX, XXXX  ) and nothing works. Everything I try to login I get an error message that says the system is not available at this time and we are sorry for the inconvenience. This is the third day with this issue. I have investments with XXXX, XXXX, and XXXX and their three step login process works fine.I want access to my funds so I can move them to another brokerage because of this unresolved issue. No notice was given to clients in writing or email that they were changing how we login.

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 2019-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX  XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: FL

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 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: IL

Complaint narrative:
Credit Reporting Agencies continual violation of FCRA 605B. Along with several other consumer protection laws.

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 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have accumulated about XXXX dollars in student loan debt from attending XXXX XXXX XXXX from XXXX-XXXXish-I received an XXXX XXXX with credits that will not transfer and was led to believe during my counselor appointments that I would not owe near of what I ended up owing at the end. At one point I had a separate loan that was a personal loan that was not even presented properly and I was definitely misled about all of my finances for schooling. After finishing school, I attempted to pay on my student loans with Sally Mae and I was not ever able to make steady consistent payments because the amount they requested for me to pay monthly was well over my head. I continue to struggle with paying my loans through Navient and I yet to come to an agreement on a monthly payment amount. I find myself ignoring phone calls now as I feel no one is willing to help. I'm not understanding why the payment amount can not be set at a payment that is affordable? I would think some consistent money is better than none?! At least that's what I continue to tell my ex that owes a very large amount in back XXXX  XXXX. I went to school-I am willing to pay for my schooling-even though it has done nothing for me except put me in debt and ruin my credit. I am not willing to live on the street so I am able to pay back my student loans. I wish someone would help all of us in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
This is a complaint against MERCEDES BENZ. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation