vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly state that a failure to investigate theses items Within 30days gives a reason to immediately remove those items from my credit report its been over 60days So they should be deleted promptly I demand theses accounts be deleted immediately or I will file a litigation due to the stress you caused me.my information was also impacted by the equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Collection Co.
State: NE

Complaint narrative:
General Collections has been taking the same amount of payments out of my account every Monday as agreed upon. Today I received a notification that the payment did not go through as they were not using the correct CV code the notification also came up right after that one a payment for double that amount that came back as insufficient. I only use this account to make that payment once a week and I only keep enough to make that payment weekly in that account. When I seen XXXX was attempted 20 minutes after they tried to take a XXXX dollar payment out, I had called and asked why they thought this was ok, they proceeded to tell me that a new person was running the payments it was just a clerical error however, if they tried for XXXX and turned around and tried for XXXX that would not be a clerical error. she had no response back. I don't find this to be trust worthy nor ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX XXXX & XX/XX/2021 I froze my credit accounts with XXXX  of the 3 major credit Bureaus due to identity theft. There is information on my credit report that I did not authorize. XXXX XXXX XXXX  placed an immediate freeze on my account. The only credit bureau that has failed to take my accurate credit information & personal identification is Equifax. On separate occasions every day from XX/XX/2021 to XX/XX/2021, Equifax has consistently asked me about information I have no recollection of due to verification they continuously ask is, Fraudulent information that I never authorized. Clearly if credit accrued in my name was done fraudulently, I will not have information to it, because I never signed for it. All I need is a security freeze to prevent from further identity theft. If Equifax is the only credit bureau denying my true credit information, the only logical conclusion would have to be that Equifax allowed someone who fraudulently claimed they were me, file with my personal identification completely disregarding extra security measures. I need an accurate security freeze in MY name with MY true current up to date information. Using the proper security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I received {$200.00} from a family member, I then try to transfer my funds to a card attached to my account And I got a message saying to try again later. Then get a message saying that I had limitations on my account into upload a picture of my ID and A picture of the card on file I Uploaded my picture ID and the card on file was a virtual card therefore I took a picture of the virtual card and Uploaded that period. Next thing you know I got a message from PayPal saying that my account was closed in they can no longer do business with me And told me I had to wait a 180 days to receive a email in discussing how to go about receiving my funds. Prior to this day I've had A couple other transactions and everything went through fine So I am confused as to why PayPal Close my account and expects me to wait a 180 days for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This XXXX XXXX XXXX XXXX XXXX litigating firm left a voice mail to call them on an intent to collect. I was going to try and work with them but the document they sent me looked fraudulent, the zip code stated is from XXXX, CA. The number search is from XXXX. I checked the maps and business is not located anywhere with the address and I checked Better Business Bureau and there was no listing for the law firm. They did not provide me with any type of documents from their client. So basically it was just a phone conversation and a document with no amount owed, which they wanted {$3000.00}. The debt is from 2001, which I also mention that this debt is 20 years old. Plus I dont remember this. So I need more information, evidence of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AES/PHEAA
State: ID

Complaint narrative:
In XX/XX/XXXX I sent in the paperwork to have my employment certified as an eligible employer for the XXXX. On XXXX XXXX, XXXX Fedloan sent me a letter saying they could not certify my employment since my employer had not listed my start date in section 3. They stated my employer needed to call Fedloan and provide the missing information. My employer, specifically our district clerk XXXX XXXX, called and spoke to Fedloan. On XX/XX/XXXX they sent me a letter totaling the payments that I had made that would count towards XXXX. This letter did not count the most recent year on any of my loans. It just stated the number of payments I had previously made. It did not add any payments for the loans they had acquired after I consolidated my other loans. I did not change jobs so there should have been no reason to not certify the new year 's employment. On XX/XX/XXXX they sent me a letter saying they needed additional time to determine if my employment qualified. On XX/XX/XXXX they once again sent me a letter totaling eligible payments, but still not adding the payments for the last year and not including any payments made on the loans they acquired after my consolidation a year earlier. 

I received no further communication from Fedloan so I resubmitted the form in XXXX of XXXX. Fedloan sent a letter on XXXX XXXX, XXXX saying they had the application but needed time to determine if my employment qualified. Again, I was and still am, employed buy a XXXX  school, XXXX XXXX  qualified. On the XXXX they sent me a letter saying they needed more time to determine if my employment qualified. I did not receive an answer after this so I sent the form in again in XXXX of XXXX. On XX/XX/XXXX they said we have your application. They were reviewing the application to determine if employment qualifies. Now, at the end of XXXX I still have not gotten the certification of employment, they have not communicated about the number of qualifying payments. When I called and asked what was the delay I was told " it's the government, it takes a while to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. XXXX and Equifax report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: DE

Complaint narrative:
XXXX ( XXXX XX/XX/2021 ) I got contacted by Cedars Business Services via telephone and email. They were trying to collect a debt owed to XXXX. My account with XXXX is up to date and XXXX says I owe them no money and they don't use Cedars to collect debt. XXXX encouraged me to report this as a fraudulent claim. Yet XXXX continued to insist that I had this mysterious debt, and she grew nastier towards me the longer I talked with her. I just want Cedars Business Services, a debt collection service, to respect the truth, that I owe XXXX no money, and leave me alone. They act like vultures, but there's no debt owed in this case. This company has been in business for 24 years, according to the XXXX, so they should know better than to try to collect from people that owe nothing. This company appears to be nothing more than a bunch of scammers hoping to harass people into paying off bogus claims of debt. They should be ashamed, but based on their behavior and the number of complaints against them, I know they aren't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great stress everyday looking at this on my credit. 

XXXX XXXX BANK - Acct # XXXX XXXX {$75000.00}

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 2021-03-31 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: CA

Complaint narrative:
There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great stress everyday looking at this on my credit. 

XXXX XXXX BANK - Acct # XXXX XXXX {$75000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: OH

Complaint narrative:
I have been unable to reach TransUnion Credit bureau by phone since XX/XX/2021 and still cant. They dont give options to speak to a live person at number XXXX I did a thorough check of my credit report and notice that a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Account number # XXXX has been inaccurately reporting on Transunion credit bureau. I mailed TransUnion out a certified letter on XX/XX/2021 attached were the proof of the different account opening dates front the same collection agency along with other fraudulent accounts and asked for the items to be investigated and deleted immediately. I took pictures of my dispute letters, my identity and my certified letter and also my incorrect reporting on my credit report. TransUnion has not contacted me back nor have they opened a dispute on my file and I have tracked my certified letter TransUnion has received it already. 

This inaccurate reporting of opening dates is illegal and getting in the way of me getting employment and housing I hope you will be an advocate and help hold TransUnion accountable. Ive also mailed letter to the actual collection agency and no response.

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 2021-03-31 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: DISCOVER BANK
State: CA

Complaint narrative:
I am extremely disappointed in the service Discover fraud services has provided me. I became a victim of card fraud and reported the fraud as soon as I became aware of it. After being told they would file an investigation and being reassured I would not be held liable, I started to receive calls weeks later questioning my actions in reporting the fraudulent transactions. After several calls with their fraud department and answering the same questions they had asked several times, I was told I was being held liable for the charges as they find no fraud occurred. After requesting to speak with a manager, a fraud analyst advised no investigation was conducted. I was also advised the decision was made based on fraud patterns. I was advised because notifications were sent to me advising of the charges, notifications I didn't receive, and my reporting of the charges 5 days after the fact these charges would not be considered fraudulent. I was also told since the charges were done in stores near my area and at some businesses i have visited in the past, these finds were sufficient to make their decision. I found the circumstantial evidence aspect of the investigation to be very upsetting. No one wanted to hear my side of the story. No one wanted to take the time and actually investigate the charges. Discover simply submit an inquiry to the merchants and the merchants did not respond so they turned to a probability chart and added the charges to my account. I find it upsetting that they would use my area as a probability factor of the charges being authorized. We are in a pandemic, I don't travel and I use my card often. If I lose my card, it is a high probability it will be in my area. Since there were no additional charges on the card, they found it to be strange rather than a blessing no more fraudulent charges were added. Without even hearing my side of things, past the basic questions they kept asking me, or at least advising me of how they came to their conclusion, I received a letter advising me the charges were added to my account and I need to pay for them. I don't know how Regulations work or how credit cards can get away with the advertisement of " Zero Liability '' for fraudulent charges but still charge you, but if that is not a true statement, why advertise it. Especially if the company is not going to do their due diligence in truly investigating the charges. I feel wronged and mad at the fact someone has benefited at my expense. The charges took place XX/XX/2020 {$840.00} at XXXX of XXXX XXXX, CA and XXXX XXXX # XXXX XXXX, Ca. {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/20, I sent Experian a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX holds the note only, as most banks. Therefore, this account and account number does not match any of my records. I have no idea of who the original lender is which is worrisome. 

I have not received anything from XXXX XXXX XXXX in writing nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. Experian continues to report this erroneous account without proper investigation in which I have repeatedly expressed.. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.

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 2021-03-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX formerly XXXX ). I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my DOB isXX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX formerly XXXX XXXX. I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my XXXX is XX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.

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 2021-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have repeatedly asked Navient for validation of this debt. I have never acknowledged the debt as being mine and neither has Navient. Letters were sent out XX/XX/XXXX. It was received by Navient on XX/XX/XXXX. No response from Navient. The next letter was sent XX/XX/XXXX. Letter was received by Navient on XX/XX/XXXX. No response. Next letter was sent XX/XX/XXXX. Letter was received XX/XX/XXXX. No response. In the letters that they have receipt of, I also asked them to cease and desist any communication ( including phone calls or electronic ( email, text, social media ). I did permit communication via US postal mail. They have blatantly refused validation and have ignored my request to cease and desist any form of communication except for US postal mail and have called me 121 times since XX/XX/XXXX. Sometimes 6 or 7 times in one day. 
On XX/XX/XXXX, I have mailed them an Affidavit of Truth, asking a final time to validate that this debt is mine by sending me the original contracts with my wet ink signature between myself and Navient. They still continue to call me throughout the days and just Monday, XX/XX/XXXX threatened me with XX/XX/XXXX is my " last chance '' to respond. However, I have been responding since XX/XX/XXXX. 
In the packet, that I sent XX/XX/XXXX, I have listed every violation as it relates to Navient continued harassment, non-validation of this account, inaccurate reporting to credit bureaus that is harming the reputation of my natural person. They have reported this account to the credit bureaus 4 times saying that the payment is late. They sent me a letter on XX/XX/XXXX saying that they conducted an investigation with the credit bureaus saying that the information they are reporting is accurate. What was included in the investigation? Who conducted it? Why don't I have any information from them as I requested in my letters I sent to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is what I was requesting that they mail/send to me. Instead, they are reporting me as delinquent without showing me proof of anything. 
I also have strong reason to believe identity theft has occurred as I believe transactions have occurred using a credit card in my name by someone affiliated with Navient and now they have turned around and reported negative remarks on my consumer credit file fraudulently. 
The entire packet that was mailed to Navient on XX/XX/XXXX is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have a FHA Loan, after pass thru a forbearance plan due to be affected by COVID-19 pandemic ( Income reduction including unemployment claim ) I am requesting to my mortgage company ( XXXX XXXX XXXX XXXX ) to exit from that plan and start paying my monthly payment again but also I am requesting an Loan Modification in order to get a better rate but mainly to put my missing payments to the end of the loan. What I received from the company was a NON-Approval letter and they only evaluated my case using this 3 alternatives : Repayment Plan, Unemployment Forbearance and FHA HAMP Modification Trial but did not evaluated me for COVID-19 Partial Claim that can help me to resume the payments but putting the missing payments at the end of the loan, instead of that they are requesting me to pay the full amount immediately.

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