vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has been reporting so many outstanding accounts and balances to all 3 credit bureaus, XXXX, XXXX and XXXX. I have reached out to Navient on several occasions to find out why my balances continue to reflect negatively and continue to increase drastically. I received an alert from XXXX XXXX that my score decreased because of this. When I contacted Navient, I was told that my account was months past due for nonpayment. I asked when the account went into repayment status and why I wasn't sent any notices in the mail. They advised me that they'd been sending everything via email and calling the references listed on the account. I advised them that legally, they were supposed to contact me via US Mail as well. The rep confirmed that they could see that I hadn't signed into the online Navient portal in over 5 years. I requested that they remove all other names, phone numbers, emails and contact methods that they had listed on the account for me. I asked them not to automatically add any additional phone numbers that I might call from without my permission. I asked them to only send correspondence related to my loans to my mailing address. I requested that they send me all of my loan accounts and the originator of the loans. I asked them to send me all loan contracts that had ever been initiated with them which includes the school, start date, amount and terms. I asked them what my options were for forbearance, hardship and deferment. They ignored all of my requests and continued to send correspondence via email even though I advised them that I didn't have internet service at the time. They started harassing and calling everyone 's phones who I had previously contacted them on even though I told them that I didn't have active telephone service at the time. I also told them that the numbers that I was calling from was not my numbers and not to add them as contact numbers for me. They have not sent the files for my loans. They denied my request to start hardship deferment. My rights and requests were ignored and violated. Every time I call them, they add the phone number to their contact list and begins to harass and call the person 's phone as early as XXXX XXXX  and as late as XXXX XXXX. They call more than 3 times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
there are accounts and inquiries on my credit profile that I have no knowledge of.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My XXXX XXXX  account was closing, so I decided to bank with Wells Fargo instead. I made my initial deposit of {$1000.00} to them ( {$500.00} for Checking, {$500.00} for Savings ). 
I was accepted and they took the money, and only later come to find out that they closed my account ( s ) down for no reason. 
The issue I'm having is, they didn't even give me a check for the {$1000.00} I put into those accounts or made an attempt to reverse the transaction. I've called multiple representatives at Wells Fargo and I've told the same thing over and over, that the {$1000.00} was never put into the account. But this is a bold-faced lie. I have the Transaction Confirmation from XXXX XXXX  telling me differently ( with tracking numbers from with Wells Fargo 's name in it ) and they unlawfully took {$1000.00} without attempting to reach out and give it back to me. 
So in short, Wells Fargo owes me my missing {$1000.00}.

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 2020-07-24 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I received a letter from PHH mortgage Co. dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX  after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from PHH mortgage sending a negative report about this loan. ( # 8 Document ). 

I need PHH to rectify 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 2020-07-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint letter against Citibank N.A. and this is my 2nd complaint against them and the reason is same. 
I want to refer about last complaint I made with the help of CFPB for the same reason is following ... 

Complaint ID # XXXX Date XX/XX/XXXX They responded ( I enclosed ) after the complaint I made but the same formalities I had to maintain. I called to XXXX ( XXXX ) and spoke with XXXX XXXX and settled down for 24 installments ( from XX/XX/XXXX to XX/XX/XXXX ). Settled down Autopayment from my access account to Credit card account but it didn't go thru. 


# 1 What I mentioned in my previous complaint they didn't fix it yet. 
# 2 I can not operate Simplicity Cr. Card even I can not see my account balance from my Citibank apps. They locked it since XX/XX/XXXX. ( I enclosed picture ) # 3 I can not transfer or deposit any amount from my Citibank Access account since XX/XX/XXXX. But I had full of intention to pay at least minimum monthly due ( I enclosed picture ) Citibank made the agreement with me so that every month 's installment can be transferred from Citi Access Account to Citi Simplicity Credit card ( Autopayment system ). And both time you did same mistake and what is impacted on my credit history.

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 2020-07-24 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:
there are accounts and inquiries on my credit profile that I have no knowledge of.

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 2020-07-24 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:
there are accounts and inquiries on my credit profile that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, XXXX XX/XX/XXXX, opened XX/XX/XXXX XX/XX/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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, XXXX XX/XX/XXXX, opened XX/XX/XXXX XX/XX/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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I want to transfer funds onto my XXXX account, but it says PNC has changed so I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
We received a debit card in the name of someone not in our household, but using our address. We have also received a change of address from the USPS regarding this unknown individual. I want this card closed and this person 's name removed from our address immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I have asked MBA Law for details of this debt and they have never sent it to me. I have been fully insured and dont recall any invoices. If they are right, I will pay but need them to remove it from my report, if they are not able to prove it, then they need to remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My credit card application from Chase bank was filed and submitted on XX/XX/2020. The application, which was Chase freedom credit card, had been pending for XXXX weeks without notification letter. Thus, I reapplied for the same card on XX/XX/2020, and my request was not approved the next day. And the letter supposed to be sent to my address within a few weeks, however, I have not received it till today XX/XX/2020. Meanwhile, my credit report received two inquiries for these two applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
1 I tried to return my car in XXXX but was told that the dealership wasn't accepting returns 2 When I could return the car, I was told that I needed an oil change or I would be charged {$700.00} The oil change was {$350.00} which is extremely high XX/XX/XXXX was when I returned the car. 
BMW should have paid for the oil change as part of the warranty but it had expired because I couldn't return the car. 
3 I was told that the tire rim damage was {$1100.00}, also a high number on XX/XX/XXXX. 
4 I sent a note to BMW Financial services on XXXX and they said they would give me a credit of {$450.00}. 
I noted that I was returning the car with XXXX fewer miles than the lease ( a value of XXXX to BMW ) They said I could get a credit only if I bought another BMW I noted that I had signed a contract on a specific car but BMW then couldn't deliver the car. 
5 BMW then sent me a bill on XX/XX/XXXX without the {$450.00} credit 6 I sent them a note and they sent back a new bill 7 BMW sent me a billon XXXX with the XXXX credit but the charges didn't add up. 
8 I sent them a note saying the bill was incorrect on XX/XX/XXXX 9 They then sent me a revised bill on XX/XX/XXXX increasing the tire damage by XXXX. 
10 I sent them a note that I was paying the corrected bill and would file a complaint with the CFPB. 
11 I still think I am being overcharged because BMW should have paid for the oil change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found many accounts are not belong to 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 2020-07-24 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: NY

Complaint narrative:
I recently disputed the inquires on this report because they were not authorized by me. The auto loan related to these inquiries was removed back in XXXX due to Fraudulent activity. These inquiries should no longer be on my report. No investigation was completed and no method of validation was provided as to why these inquiries were left on my 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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 60 days late starting XX/XX/2018 ( all  3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to 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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/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