vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-20 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 want a review of my account. I have been offered, deferment, income driven payments. 
I can not and will not be able to pay this loan anytime. 

This company has misled myself and millions of other students and their loans. 
This company needs to be accountable for their lack of communication and customer service. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.

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 2020-08-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I requested a validation of debt from XXXX XXXX  and the failed to comply with my request. 
Experian failed to verified the debt in a timely manner, they did not furnished me with the process on how they investigated, the name of the person that verify the debt. The collection agency also failed to provide that they own the account any contracts or receipts with my signature

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
After I canceled a payment I was trying to send my money got token from this company I never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I moved onto XXXX XXXX apartments on XX/XX/2019. During my experience living there have been most terrible. They charge huge amounts for utilities. They was a constant smell of weed in all over my apartment and the washing machine and dryer was broken way before I moved there. They also had a rodent problem and XXXX problem that I had addressed to to them and they did not care. I decided in mid- XXXX that I was moving out. I let them know the date when I was going to return the keys. I moved out XX/XX/XXXX and returned the keys on the XXXX. A month after I moved I received a bill from XXXX about an unpaid balance of rent for XXXX ( {$120.00} ) as well as repair fees, ( {$410.00} ) lost key ( which fits one door lock ) ( {$25.00} ) and a break lease fee. ( {$2500.00} ) I am deeply upset and I am asking that this need to be removed from my credit report.

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 non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Unable to access my membership in their site, unable to get my free credit report and unable to process disputes and accounts that are wrong conveniently. Never had a breach so no reason for this. I cant sit on a phone hours and hours to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to a XXXX  XXXX  store applied for the credit card their lender is Wells Fargo and I was denied credit. on XX/XX/XXXX I received the letter with a message stating " Unable to authenticate identity of applicant '' so I contacted Wells Fargo for further explanation regarding this and which information will they require to consider my credit card application, upon discussing the agent states they use " systems '' that if information doesn't match the system they can't move forward with the application to review my report and confirm the accuracy such as addresses, phone number, fraud alert. I immediately pulled a copy of my report on XXXX the only thing in my report is this under the special messages section " INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX '' this is because I became officially a legal resident of the USA as of XX/XX/XXXX, the problem that I am having with this company is because my wife who is a citizen of the United States share same accounts in our credit report and to my surprise she applied the same day as me and she was approved immediately even though our credit history is similar due to our joint lines of credit, I have excellent credit 0 negatives remarks and no fraud alerts for them to state " they need to confirm my identity '' and that I can't even provide them my information to validate my identity I feel discriminated, I only have one address and that is my current, I looked at phone numbers it only contains my wife 's and my cellphone number I feel this is credit discrimination due to being qualified for the credit card my score is XXXX and no real explanation has been provided to my person. Thank you for your assistance and take my complaint. this is not against XXXX  because my report is accurate this is against WELLS FARGO BANK N.A

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 2020-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a long time customer of paypal. i use their service alot. on the XX/XX/2020 i sent money {$200.00} to a pool company for payment to XXXX however the actual email for payment is XXXX. i contacted pay pal immediately to tell them to stop the payment. online it says the receiver will not have the money till XX/XX/2020 so there is time. however paypal refuses to stop the payment this has happened twice with paypal. the receiver does not have my money yet so they still have time to stop the transfer but will not do it. that is wrong thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Contacted Company about reporting account that was discharged in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: NY

Complaint narrative:
Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. XXXX Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've noticed in my transaction history ( monthly statement ) that there is money missing in between transactions. I believe bank of America is fraudulently taking money from my edd payments. I have called bank of America and asked why there is discrepancies.? Their answer was because of pending transactions. Which is a lie because the statements they send me are completed transactions. I can not get any help from the bank .I have the completed statements and hope this can get me my money back some closer.

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 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX  to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The company has failed to verify the information on the credit bureau. 
http : //www.azb.uscourts.gov/filing-without-attorney/debtor-faqs? page=1 The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2020-08-20 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:
Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX I called Barclays Bank Delaware to set up auto-payment and it didnt go through so I called again in XX/XX/XXXX and got sent to a higher manager ( XXXX ) who went through it and set it up with me and I am just receiving information now that they havent been getting the auto-payment from XXXX till now in XXXX of XXXX. So now they charged me ridiculously raised balance for their negligence. I have no problem paying it outright, but I dont accept their surcharges for their mistakes. Whenever I tried to email, call, or use the mobile app it just hung up, no response, or told me to call them in which they never answered six times.

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 2020-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
I took out a payday loan almost a year ago. Advance America has been harassing me via phone for 2 months. They call from different numbers or even their personal cell phone numbers and call from out of state numbers. Multiple times per day impending my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIGY USA CORP.
State: TX

Complaint narrative:
My vehicle loan was being serviced by XXXX XXXX  XXXX XXXX   XXXX 'XXXX  ( XXXX ). I received statements from the company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I called White Coast and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by Whitecoast Trust to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with Whitecoast or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. White Coast Trust has not sent any communication and the customer service line in unhelpful. XXXX has advised that they sent my payment of XXXX XXXX XXXX on XX/XX/2020. I have no account number for Whitecoast but customer service is able to locate me through my ph # and my Social Security Number.I was provided this address for White Coast by the customer service agents at Credigy. White Coast Trust Address : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX DE, XXXX. Only ph # is XXXX. I can not find any information about White Coast Trust online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources
State: OK

Complaint narrative:
Oklahoma has and electric has turned a debt over to AMR a collection agency and XXXX XXXX XXXX nor AMR notified nor sent notice of any debt to me before placing it on my credit during a national pandemic which is having a severe financial burden on myself and my family. AMR is also flagging this debt as collections 2 to 3 times a week to cause a XXXX XXXX  XXXX much of which is XXXX and XXXX veteran undue stress During a pandemic and national disaster, they have promised verification of debt numerous times and not provided it, the only call Ive ever gotten they claimed to be Oklahoma natural gas where I verified I have 0 debt, they argue this and claim to have recordings but had better listen to them as its the truth. This is predatory and antagonistic having a collection agency who redated and reports items out of Oklahoma statue of limitations and flags it collections several times a week along with stating I gave a credit limit and terms to inflict significant damage during a pandemic and national disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( 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 non-monetary relief