vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
I took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( XXXX XXXX ) Dollars. This loan has since ended up with Navient. I contacted XXXX XXXX and was told that they submitted a much smaller number to Navient nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( XXXX XXXX XXXX XXXX Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at Navient have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( XXXX XXXX XXXX ). after beginning my dispute process. XXXX  explained that they use the E-Oscar electronic system to verify my information. I explained to Navient that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in XXXX and had relocated to XXXX, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX XXXX stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by XXXX  that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TX

Complaint narrative:
I have been monitoring and trying to remedy the affects of ID theft and recent data breach by XXXX  and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue  to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute  investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and XXXX   refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, XXXX  and TransUnion continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..

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 2020-05-04 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: TX

Complaint narrative:
I have been monitoring and trying to remedy the affects of ID theft and recent data breach by Equifax and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and Equifax refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, Equifax and XXXX  continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae Consumer Banking Company is taking advantage of people in times of crisis. 22 million people in the United States are currently unemployed. People are worried how they are going to feed their families. Meanwhile Sallie Mae is only concerned with the money they are going to make. When COVID-19 took over the world, almost every company I have ever been in contact with sent out an email detailing what they are doing to help in this time. Sallie Mae sent out an extremely vague email saying to " contact their costumer support for help. '' Since I lost one of my jobs during the pandemic, I can only afford to pay my rent right now, and I am unable to make my student loan payments. When I finally was able to contact someone at Sallie Mae, they informed me that I could be eligible for, a one time, three month forbearance in which my loans will still be accumulating interest. How is a company as large as Sallie Mae getting away with penalizing those who can not repay their loans right now? 
Federal loans have stopped collecting payments and are not accumulating interest during this economic crisis. Meanwhile Sallie Mae will penalize me, and only give me 3 months. The way things are going right now, I am highly unlikely to get my second job back in the next year or so. This is immoral and predatory behavior. I want to make it extremely clear that I have worked very hard to diligently pay off my loans while I put myself through XXXX school. During my time as a student I have worked full time, and opted to pay interest as I went. Trying to always do the responsible thing. I am having to make almost {$200.00} payments every month, ( even though I am still in school ) this has forced me to get a second job, just so I can make my payments on time. When I lost the secondary income I did not file for any unemployment benefits, because I have enough to pay my rent and buy food. I recognize that is lucky compared to how a lot of people are suffering right now. I would not feel right collecting money that someone needs more than I do right now. That is called doing your part for society in times of crisis. Getting through these times are going to take effort and sacrifice on everyones behalf. Sallie Mae is not doing enough, or hardly anything at all, to help those who can not afford their payments right now. This is just another example of a large financial institution breaking the backs of those who have no other options. What kind of society do we live in where companies like Sallie Mae can get away with hurting young, hardworking, future nurses? Something needs to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
We booked our honeymoon through XXXX. The company went under due to covid19 and cancelled all trips. They are asking you go through your bank to get your money back. I submitted my claim more than a month ago and they have denied it saying there was no fraud and couldnt prove something went wrong. Now they are saying they will try to collect the money through the merchant but when I called again they said they wont try that until the date of our trip ( XXXX ). We did not receive the services and they will not help us get our money back.

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 2020-05-04 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: TN

Complaint narrative:
Equifax and XXXX  are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX   - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}

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 2020-05-04 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}

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 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2020-05-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A account that is more then 7 years old is still showing on my credit report

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 2020-05-04 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
In Mid-XXXX, 2020, I mailed a payment to Citibank to pay off a credit card. I contacted them before the payment was sent to get the correct payoff amount. The cashiers check was mailed overnight. I had two accounts with Citi, both checks in the same envelope. They applied one check to one account, but the other check they did not apply, but rather cashed the money and it is nowhere to be found. The stamp of deposit was XX/XX/2020. I have tried numerous times to contact someone in regard to having the payment credited to my account, but I consistently get put on hold, sent to another department, or disconnected. Last Monday alone, XX/XX/2020, I spent almost 3 hours on the phone and on hold, as well as transferred to seven different people. The last individual hung up on me. Citibank also  reported the alleged late payment to my credit report causing a decrease in my credit score that I have been diligently been working to increase. I have spent multiple hours, over multiple days trying to fix the issue, but it has been to no avail.

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 monetary relief
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA.

Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. 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 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX  dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TN

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A account that is more then 7 years old is still showing on my credit report

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 2020-05-04 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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