vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: NV

Complaint narrative:
There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: WA

Complaint narrative:
To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am filling a complaint because my Navient student loan was recalculated without my consent in a manner that I believe to be illegal. Additionally, the communications I received directly from Navient concerning forbearance proved to be misleading and unnecessarily confusing. This is especially disheartening as I am ending the end of my loan and have never missed a payment in over 30 years. 

On XX/XX/XXXX, the State Government of Ohio declared a shut down due to coronavirus. At that time the President of the United States informed the public that the interest rates on federal student loans would be 0 % and student loan holders were advised to call their lender if their employment was affected. 

XXXX XXXX XXXX officially closed routine medical care practices on XX/XX/XXXX leaving me, a XXXX XXXX  XXXX, out of work until the opening on XX/XX/XXXX. I called Navient on XX/XX/XXXX to inform them that I was out of work dut to Covid-19 shut down and that my ability to make payments of {$540.00} could possibly be affected. The Navient representative told me that I did not qualify for 0 % interest, but I could still make payments. I made it abundantly clear that I did not want to do anything that changed the terms of my loan. This representative assured me that my loan terms would not change. 

I have enclosed my account summary information that confirms a full payment of {$1200.00} well in excess of the {$1000.00} due for the month of XXXX. Despite this, I received notification that my loan balance had increased by {$4600.00}. After receiving this notice I immediately called to have forbearance canceled. This request was ignored. I have since received correspondence stating an increase in payment from {$540.00} to {$570.00} until XX/XX/XXXX. 

Upon questioning Navient, on XX/XX/XXXX, about the increase in payment and failure to cancel forbearance I received a strange answer. I was informed that the payment increase was due to a miscalculation between Sallie Mae and Navient that occurred during a transition between the two companies in XXXX. This is simply not an acceptable response and I am requesting my loan terms be restored to their pre-crisis level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.

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 2020-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.

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 2020-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
I tried to send money via Moneygram online. This is the second time I've had issues with them. I received email with reference number, but transaction doesn't show up on my account. The receiver can not get the money without more info, was told they need to talk to me. But no one has called me. I called Moneygram,  and listened to the same recording several times to make sure none of the options fit my request. Couldn't get through to a person. The online chat wasn't available. The online help had not option to cancel, because the transaction didn't show up. I just want to cancel the transaction now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2020-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : 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 2020-05-19 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: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 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 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: AR

Complaint narrative:
I HAD ALOAN WITH THEM AND NEED TO FIND OUT LOAN NO. EXCESSIVE FEE AND INTEREST PAID ON THE LOAN

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like to open a checking account with this bank but they wont let me since I live in New York but I told them I will be moving for college to XXXX this is why I wanted to open an 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 2020-05-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had my card data stolen and reported the fraud to 53 bank. Initially the said the charges were valid then I contested and finally they said they were fraud and I would receive credit. During the time of the fraud with the high balance showing ( XXXX ) I overpaid what I actually owed. I have contacted the bank numerous times to have this corrected and they keep telling me they will resolve in 3-5 days but the credit is on my cancelled card. I am trying to get the credit transferred to my new card balance but there are no results. This has gone on for about 6 months. I don't know what else to do but keep calling and getting empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: WA

Complaint narrative:
To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the State Collections I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Its ashame how Im being treated by my bank Im a loyal customer for years I want another credit card but they wont let me have one they first said their isnt any maximum of cards a customer can have but recently when I applied even for a secured card their system and then by letter tell me I have the maximum number of cards which to me doesnt make sense or is fair because they told me their is no limit of cards a customer can have to apply so they are very confusing

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 2020-05-19 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: TX

Complaint narrative:
I open a dispute on my credit report and I didnt apply for XXXX loan or never received the XXXX  phone at all and I never place the order and didnt provide my social security number and they denied my claim and I send in the FTC report to Experian and they didnt block it or remove it off my credit report ... I already have a XXXX XXXX XXXX XXXX why I need a XXXX  phone I didnt place this order and it appears on my credit report that I owe {$1600.00} for this phone I never again received this phone and I called and cancel this order and told XXXX this account is fraudulent and Im not interested in getting a loan with them

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 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: HI

Complaint narrative:
I am writing to report and bring awareness to a recent letter I received in a fraudulent attempt to collect a debt from me, through a debt collection agency " Southwest Credit. '' Letter was dated XX/XX/2020 After checking with the " Creditor '' I was informed that no debt was ever owed to them and that my account was current. The Creditor also stated that they do not, and have never used this debt collection company to collect any debt. 

The name listed on the attached " collection letter '' is also not my full, legal name and not the name I have listed through the " Creditor. '' After contacting the debt collection agency " Southwest Credit, '' I inquired about the debt and how they got my information. The person on their toll free line stated they had " obtained it through the DMV, as people tend to move and they need a current address. '' I knew this statement was untrue, as my full name through The Department of Motor Vehicles is not what was listed on their letter. 

I am writing in the hope that people will not be taken advantage of by scams such as this. Many people whom do owe money may have not been aware or taken the steps to investigate the legitimacy of this intent and would have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation