vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I've been unemployed since spring of XXXX because of the pandemic. I still have student loans from attending college in the late XXXX. Student loan borrowers were supposed to be given automatic deferral during the pandemic. 

Navient continued demanding payment as usual and unexpectedly withdrew my monthly payment in XX/XX/XXXX per autopay, causing me significant financial distress at the worst possible time. They later agreed to reverse the payment and put me in some kind of forbearance, but never clearly explained how long it would last or when I would have to start paying again. They claimed they weren't bound by rules made to help student loan borrowers during the pandemic. 

Navient suddenly began demanding payment again in XXXX of XXXX even though the pandemic was still raging and I was still unemployed. I found out about their demand when I was charged a late fee. I asked for additional relief because of the pandemic and they refused. My only options were 1 ) use up my few remaining months of regular forbearance and then begin making payments again somehow despite having hardly any income, or 2 ) pursue a consolidation loan so I could have additional forbearance opportunities, which they encouraged me to do. After some research I learned consolidating would cause me tremendous financial harm because, while my current loan 's remaining balance can be forgiven under XXXX after a couple more years of public service, consolidating would wipe out all my past payments qualifying for XXXX. 

Navient totally ignored their obligation to address the unprecedented hardship the pandemic caused student loan borrowers like me. They kept putting the squeeze on me demanding payment and charging late fees while my family faced some of the scariest times in our lives. Believe me we already had plenty to worry about! If I had less savings and family support Navient 's opprobrious behavior could easily have caused me to go hungry and/or lose my home. Navient also tried to steer me into wiping out my ability to soon qualify for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I been calling XXXX  regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call XXXX  they said its not showing on the file so they need to update so everybody else can see the same thing with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: GA

Complaint narrative:
After reviewing my credit report today XX/XX/21, I noticed XXXX  & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NJ

Complaint narrative:
Ive been a victim of identity theft

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 2021-07-16 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: NJ

Complaint narrative:
Ive been a victim of identity theft

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 2021-07-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2021-07-16 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: Omega RMS, LLC
State: CO

Complaint narrative:
on XX/XX/2021, I sent a validation letter to Omegas for a collection they placed on my credit report. I have not received any information in response to my letter, nor did I receive any information before this company placed it on my credit, giving me an option to validate the debt. Ive attached the credit report showing the account as well as the certified letter that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: GA

Complaint narrative:
XX/XX/21 I pulled my credit report and realized there are multiple errors being reported on my credit report. These errors are reasons why my applications for credit are denied. Equifax & XXXX XXXX XXXX  are reporting I have a balance owed of {$510.00}. This account was paid off, yet it still shows a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have a consumer credit card with HSBC. I owed XXXX cents which was due on XX/XX/2021. Rather than write and mail a check for XXXX cents, I went into a branch and paid it in cash, receiving a receipt as proof of payment. I made this payment on XX/XX/2021, which was three weeks before it was due XXXX see attachment to this complaint ). I was told by HSBC that this was acceptable. To my surprise, I learned on XX/XX/2021 that they never posted this payment, and now it shows that I paid it late and received a late payment penalty. I attempted to correct this via phone on XX/XX/2021, but they were unable to help me, so I had to go to the branch where I made that payment ( HSBC, XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to have this matter cleared up. So, I immediately went to the branch and showed them the receipt with the payment date of XX/XX/XXXX, and asked them to correct my payment record and reverse any late fee. I was assured by the Vice President/Branch Manager XXXX XXXX that the record would be corrected, reversing any late fee and showing that I paid the amount on time, on XX/XX/2021 XXXX not late ). Today, XX/XX/2021, I called HSBC to confirm that everything has been corrected. I spoke to " XXXX '' who, to my surprise, told me that the payment is showing as paid - but their records shows that I paid it yesterday ( late! ) on XX/XX/2021. I asked that the record be corrected - I do NOT want a late payment showing on my payment record - but she said that there was nothing she could do about it. This is not right - I did not make a late payment on my credit card account, and HSBC records should NOT show that I did. I want HSBC to clearly show in their records that I paid my credit card bill on time, three weeks prior to the due date, on XX/XX/2021 - not late! Also, Branch Manager Mr. XXXX XXXX should not have misinformed me by telling me that the payment date would be corrected to show that I made the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/2020, I contacted XXXX  at XXXX to cancel my wireless service. At that time, I was told that I would be sent a final bill. On XX/XX/XXXX, I received an email notification stating the following : Friendly reminder Past Due Amount : {$130.00} Total Amount Due : {$170.00} Account Number : XXXX Date : XX/XX/2020 On that very day ( XX/XX/2020 ) I contacted XXXX  at XXXX and spoke to an agent for 15 mins explaining that I had cancelled by service on XX/XX/XXXX. The agent agreed with the cancellation date and stated I would receive a final bill. 

Yesterday, XX/XX/XXXX, I received a notice from Sequium Asset Solutions informing me that I owe {$170.00}. I have now spoken to 2 agents and only a few moments ago I was notified by XXXX XXXX # XXXX that even though I had transferred by phone number to another carrier on XX/XX/XXXX, I still have to pay for service through XX/XX/XXXX hence the bill for {$170.00}. 

Not one person from XXXX on either the XX/XX/XXXX or XX/XX/XXXX mentioned that I would continued be charged through XX/XX/XXXX. This is deception at every level. Here I was expecting a final bill of approximately {$20.00} only to NOW be turned over to collections for a bill of {$170.00} which no XXXX  employee notified me of or took the effort until explain that I will still have to pay the full bill. Their one and only response is " you will be receiving a final bill. '' On the XX/XX/2020 I was told to expect the final bill in a couple of months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy have been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

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 2021-07-16 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: PNC Bank N.A.
State: NY

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: OR

Complaint narrative:
I went to Mercedes Benz of XXXX to initiate a consumer credit transaction. They ran my credit and told me I had a XXXX credit score. But they can not get me approval. The dealer ship is under Truth in Lending 15 USC 1601. Truth in lending clearly states that I have a open ended credit plan. Mercedes ran my credit card and after was acting adverse to my interest in purchasing 2021 XXXX. All I need to give them is my signature. I gave them credit and got nothing in return. Mercedes is in violation of truth in lending. 15 USC 1602 j states that I the consumer, original creditor have an open ended credit plan. Now why would Mercedes act adverse to me after I gave them credit. Mercedes is now impeading on my ability to provide for my son. 15 usc 1681m clearly says nothing about denial of credit. Because I am the original creditor. I extened credit to Mercedes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
This is a formal complaint against Huntington National Bank located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Huntington National Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy have been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I stopped at Chase Bank ATM terminal ID XXXX at XXXX XXXX XXXX XXXX to withdraw {$400.00} from my XXXX account. The ATM did NOT dispense money, instead printed me a receipt saying we arent able to dispense cash right now. Please call us at XXXX. Chase bank DID remove {$400.00} from my XXXX account. When I called chase bank I was told they couldnt do anything about their ATM stealing my money. I asked if I could go into the branch and get my money, at which point I was transferred to a recording that said please call us back and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
After reviewing my credit report today XX/XX/21, I noticed CBNA & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC
State: GA

Complaint narrative:
Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: GA

Complaint narrative:
After reviewing my credit report today XX/XX/21, I noticed XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

Company response to consumer: Closed with explanation