vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I stopped paying discover student loans because i couldnt afford it. For 5 years I tried working with discover and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from XXXX XXXX, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The CARES act is giving {$450.00} Billion to the Fed who is turn buying up bad debt of the five major banks in return for a paltry 0.25 % interest rate. There appears to be no stipulation that the banks on the receiving end of these bailout funds has to reduce or remove the high-interest rates it charges its customers. ( 15 % -24 % ) Given essential free money being given by the taxpayers to fund the risky investments made by these banks, don't we have a right to have our interest rates reduced? 

In essence, the Fed is taking my future tax dollars and lending them to these banks who are then turning around and offering them back to me at 20x the interest rate. How is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Re : XXXX XXXX XXXX XXXX To whom this may concern. I have attempted to reach customer service without success, is there a conspiracy? Its being over two weeks and snail mail no responded as well. Recording may say an hour delay, but calls are getting disconnected while waiting, I will give an opportunity to rectify before heading to the Consumer Finance Protection Bureau. I have contacted both XXXX and XXXX asking for a refund of ticket purchased, per USDOT https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However they have not processed the refund, both airlines canceled their services, and was advised to dispute charges, something done in writing here. I am copying this mail to the US DOT - XXXX XXXX XXXX Thanks. XXXX XXXX XX/XX/XXXX XXXX XXXX Airfare ... XXXX {$1900.00} XXXX, FL XXXX Merchant Website Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Appears on statement as : XXXX   XXXX XXXX FL XXXX XXXX XXXX XXXX Airfare ... XXXX {$460.00} XXXX, FL XXXX Merchant Website Purchased : Thu, XX/XX/XXXX Posted : Sat, XX/XX/XXXX Appears on statement as : XXXX XXXX XXXX FL Capital one send paperwork to be filled exactly what is described above and asking to be faxed, name of merchants and amounts etc, if they would read the complaint they will see all need data, they have failed to reach out as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/2006 {$10000.00} Th account is closed and was charged off over 14 years ago. Went to third party collections profit and loss-write off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification

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 2020-04-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I received a letter for XXXX XXXX XXXX at XXXX, located in XXXX Wisconsin. They were notifying me of a debt owed to discover student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo is suing a naive person like me who debt was discharged three years ago, my brother XXXX XXXX who is a XXXX patient is also suffering more and has got more sick because of this frivolous lawsuit by Wells fargo. 

I never received summons and complaints at my address ( Please see attached ), a bogus, fake proof of service has been provided to the court ( XXXX XXXX courthouse : Case No. XXXX ) just to get a default judgment against me, these methods are being adopted by Wells Fargo to extort innocent people like me. 

I came to know about the case just recently when one of my family was casually checking cases on XXXX XXXX court 's website. 

Wells fargo is a blood XXXX, money hungry greedy bank who just wants to make money by hook or by crook.

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 2020-04-17 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: FL

Complaint narrative:
I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: FL

Complaint narrative:
I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification

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 2020-04-17 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:
Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PayPal credit reported my account as 30 days late after they returned my payment for no reason. I make my payment every month but they keep returning it. When I called my bank to see if there was an issue with my account I was told the funds were available and PayPal were the ones that returned the payment.

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 2020-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I would like to file a complaint on Pennymac Loan Services regarding the servicing of my mortgage loan. Also, I do not believe the appropriate guidelines relating to the foreclosure process were followed. I was formed that the demand used for foreclosure expired on XX/XX/XXXX, but I made multiple payments in months of XXXX and XXXX to bring my account current. My home was referred to foreclosure again on XX/XX/XXXX, and ultimately placed on hold XX/XX/XXXX due to COVID-19th. I was still allowed to make payments over the phone on XX/XX/XXXX and XX/XX/XXXX. I attempted to bring my account over the phone again on XX/XX/XXXX and Pennymac Loan services wouldnt accept payments even after doing so on the dates I stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX   XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX   XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine US DEPT OF ED/XXXX    XXXX not mine US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS AD XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-04-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I applied for a XXXX XXXX XXXX on XX/XX/2020. I was approved for a credit card through, XXXX XXXX. A letter was sent to my house several days later explaining my credit score and how the line of credit was established. On the letter, my credit score from Experian Credit Bureau was recorded as XXXX on XX/XX/2020, the date of the application. 

This information is incorrect. I tried several time on XX/XX/2020 and XX/XX/2020 to resolve this issue. Each time I asked to speak with a manager, the phone call ended. My credit score is near XXXX, I checked this information on XX/XX/2020. I am puzzled, why the credit bureau would fabricate in accurate information, jeopardizing my credit report. 

Please assist me, 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 2020-04-17 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: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I began the process of requesting the return of mistaken XXXX contributions on XX/XX/XXXX. The reason for my request was that I was not aware that being enrolled in XXXX XXXX XXXX  for part of XXXX & XXXX made me ineligible to contribute to my XXXX. My original fax, as well as my follow up fax dated XX/XX/XXXX, included XXXX Distribution of Excess Contribution/ Correct Mistaken Contribution forms as provided by PNC Bank XXXX the Custodian, for years XXXX XXXX {$4500.00} XXXX & XXXX XXXX {$1800.00} ). The amounts requested, the reason ( as indicated by federal law ) and the appropriate disbursement information are clearly listed on each form. 

The chronology of my request is as follows : On XX/XX/XXXX, the date of my original faxed request, I was unaware that funds had to be moved from my investment XXXX account to my base XXXX account to have sufficient funds to transfer. No one advised me of such. 
On XX/XX/XXXX, the date of my resubmitted fax request, I was unaware that having previously opted into the automatic investment option, the funds manually transferred from my XXXX investment account to my base XXXX ( with the intent to resolve the previous issue ) would automatically be moved back into my XXXX investment account, recreating the original problem. No one advised me of such. 
After several phone calls and emails, I learned of the problem and made sure the funds were transferred & auto-reinvest was turned off. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided an expedite # XXXX. 
On XX/XX/XXXX, I was able to verify via the PNC website that the funds were successfully & permanently transferred to my base XXXX account in order to provide sufficient funds for the requested return. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided another expedite # XXXX. I requested to have a manager contact me and provided my cell phone as the associate stated he did not have access to my original application information. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate stated that no forms were on file to request this return of funds. I explained that I have two fax verifications of the submitted forms, one for XX/XX/XXXX & one for XX/XX/XXXX. I also offered to fax again or email. He declined. I requested to have a manager contact me and provided my cell phone. No manager has contacted me after two specific requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CA

Complaint narrative:
Hi thank you again for taking the time for reading my complaint. 

Equifax is taking longer than 30 days for debt validation. 

I have requested from XXXX XXXX  to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked Equifax to investigate this matter and it has been longer than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A credit card was opened in my name in XXXX  for target tdbank. I have emailed, called and written letters they refuse to remove from my credit. A XXXX card was also opened in my name but XXXX removes it. Target only closed the account but will not remove it. They have no proof that I opened the card. I have never used it or made an payment towards it. It was opened with the wrong birthday

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
I sending this information I found on my credit report is wrong this is not something I did on that time or dates are incorrect this is complete wrong

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I received a phone call from a representative at Credence Resource Management ( he stated that his company 's mailing address was XXXX. XXXX XXXX, XXXX XXXX, Michigan ). He attempted to verify my name and address without stating that the call was from a debt collection company. He addressed me by my maiden name ( I changed my name when I married three years ago ) and told me that they had an address on file for me in a state that I have never lived in. He stated that the call had to do with XXXX XXXX, but did not say whether he was trying to sell me XXXX XXXX or collect a debt for XXXX XXXX. I have never purchased XXXX XXXX in my life. He continued to try to verify my address and I refused. I looked up his company online and found that it was a debt collection agency. I told him that it was illegal to obtain information from a consumer without first stating that he was a debt collector. I asked to be transferred to his supervisor. I reported him to his supervisor and asked to be placed on their do not call list.

Company response to consumer: Closed with non-monetary relief