vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 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: SLM CORPORATION
State: PA

Complaint narrative:
I called Sallie Mae on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager XXXX employee ID : XXXX XXXX if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with Sallie Mae trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2020, I wrote to Portfolio Recovery about Account # : Unknown for an amount of {$3000.00}. It has been over 30 days and I did not get a response from them with proper validation of this debt as requested in my communication to them. I am requesting that they must cease collection efforts, and remove negative items placed by them on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX i got an alert from XXXX that Diversified Adjustments had put a collection account on my credit report. By law, they must notify me in writing of the debt. I have 30 days to review the information they are claiming, and dispute it if needed before adding it on my credit report. They violated my rights under the fair credit reporting act! They never sent me any notification of the debt, instead, they put it on my credit report without sending me any information of the debt! Also, i do not owe XXXX  anything close to that amount. This account was for a phone line that was opened in XXXX, and closed in XX/XX/XXXX. This was for a flex lease and the phone was returned back to XXXX. This phone was never properly credited back to me. Any amounts owed was paid! This is unlawful! Also, they are trying to reage this debt by putting the wrong original delinquency date! By law, they must keep the original date of delinquency of the original debt no matter what! This must remain the same no matter who owns the debt! I have enclosed a copy of this information! My services had ended in XX/XX/XXXX, and the date of first delinquency was in XX/XX/XXXX, the final bill was printed in XXXXThey are trying to add on a year from the original delinquency date! I have contacted Diversified by mail, and have not heard anything back from them. They have a number of complaints on the XXXX  Website for fraudulent activity over debts! I have rights and have a right to dispute any information that i believ to be inaccurate and they violated my rights by not sending me any notification and adding it on my credit report before i had a chance to review the information! The date of first delinquency date is inaccurate!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient does not process payments in a timely manner, even when payments are made timely or before the due date. Navient sends emails and/or statements for the next bill cycle with inaccurate payment balances ( e.g., previous monthly payment and next month 's monthly payment combined ). Navient 's website also shows your account as past due ( e.g., missed payment alert ) for an unfair amount of days, even when it shows on your account that a payment was made. 

Navient 's overall processing time for payments is poor and I don't trust that they have fair or accurate credit reporting because of their inability to have their systems operate efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: VA

Complaint narrative:
I downloaded my Equifax Credit Report on XX/XX/XXXX ( copy attached ) and submitted an online dispute to remove the 'Consumer Statement ' shown in Section 6 of same. A printout of my online Dispute 'Confirmation ' is attached. 

Although confused by the XX/XX/XXXX Equifax letter ( copy attached ) indicating they were not able to locate a Credit File for me, I received notification on XX/XX/XXXX that my online Dispute had been completed. As such, I downloaded Equifax Confirmation # XXXX and associated Credit File. Since the format, layout, sections and fields of the XX/XX/XXXX Credit File don't match that of my XX/XX/XXXX Equifax Credit Report, there is no way to confirm removal of the 'Consumer Statement '. 

As such, I wrote Equifax Corporate on XX/XX/XXXX expressing my confusion w/ some of the conveyances in its XX/XX/XXXX letter and well as the dilemma stated above regarding removal of the 'Consumer Statement '. I'm yet to receive a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: AL

Complaint narrative:
RE : complaint # XXXX XXXX for XXXX XXXX for Experian This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, Experian has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! Experian will not remove the duplicate item. They say that XXXX is reporting it, that they are responsible for correcting this error. 

XXXX says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. XXXX : I have 1 bankruptcy filed with my ex-husband in XXXX. Experian has this reported as 2 bankruptcies in XXXX. I want the XXXX public record removed from my Experian credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with Experian, 1 dispute with XXXX, and now XXXX complaints with CFPB. Why is this not sufficient?

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 2020-03-29 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: Mark A. Kirkorsky, PC
State: AZ

Complaint narrative:
MARK A KIRKOSKY continues to abuse consumer rights by illegally accessing my consumer credit report. I have sent the company a cease and desist, i have reported their illicit acts to you the CFPB, who helps consumers with their rights. 

I am telling you specifically, that the law firm and associates known as MARK A KIRKOSKY. 

They continue to violate the FCRA, and my rights, and have already been sued in district court, and continue to access the consumer report with no permissible purpose. 

Is anyone from the CFPB going to do anything or do I have to List this bureau as neglligent of this fraud, negligence, and intentional infliction of emotional distress? 

I will send out W9, 3949As, 4506s, and get the true debt collectors involved, I am at my wits end with the situation, i am ready to litigate and seek retribution, unless you the CFPB cease his unlawful and illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: PA

Complaint narrative:
I called XXXX XXXX on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager ( employee ID : XXXX ) if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with XXXX XXXX trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.

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 2020-03-29 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: LEXISNEXIS
State: AL

Complaint narrative:
RE : complaint # s XXXX for Lexisnexis XXXX for XXXX  This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, XXXX  has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! XXXX  will not remove the duplicate item. They say that Lexisnexis is reporting it, that they are responsible for correcting this error. 

Lexisnexis says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. Recap : I have 1 bankruptcy filed with my ex-husband in XXXX. XXXX  has this reported as 2 bankruptcies in XXXX. I want the DUPLICATE public record removed from my XXXX  credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with XXXX, 1 dispute with Lexisnexis, and now 2 complaints with CFPB. Why is this not sufficient?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My Amazon Prime Store Card offers a 5 % cash back for purchases made in the prior billing cycle. After the latest billing cycle that closed on XX/XX/2020, I had earned {$46.00} in cash back, which I decided to apply as a statement credit on XX/XX/XXXX, I got a error message from the website ( https : //www.synchronycredit.com/ - the company is the issuer of the Amazon Prime Store Card ) saying my rewards balance couldn't be applied because of a technical error and to try again later. So I tried again a few minute later, and it appears the system had accept my request to apply the {$46.00} as a statement credit. 

However when I checked the account the next day, it had not been applied. 

So I called customer service ( XXXX ) XXXX ) on XX/XX/XXXX at XXXX and a representative said they acknowledged the issue and told me it would be take care of. 

The next day, it was not fixed, so I called again ( XX/XX/XXXX ) at XXXX and the representative told me they were sorry it wasn't fixed and they see the problem, and will take care of it, and it should be fixed by tomorrow. 

But again the issue was not resolved. So this time I reach out the Synchrony customer service team on XXXX. I was finally able to speak with a representative on their XXXX care team ( XX/XX/XXXX ). I explained the issue again, and she told me they would take care of it and she would follow up with me in a few days. I didn't hear back, I reached out again, and they told me they would call me in 24 hours. They didn't do so. 

Trying to resolve a simple mistake on their end shouldn't take multiple phone calls, and hours of my time to fix.

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 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
As I payed with excellence my Mortgage for 31 years and closed it with the Bank, I checked my Credit Report and found out that my Fico was lowered to a frustrating number .It started with XXXX , Then. transunion, they both and I decided ro write a dispute and complaint about it, then even lowered more, I know I have pasts account however I have spoken with my creditors and made arrangements.. I felt it has been sort of an wrongfull doing, Idont know if getting a lawyer or please help., help, help, Do you need copies of my agreement?, or Banks? Please acknowledge. 
Best regards thank you.

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 2020-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2020, Specialized Loan Servicing ( SLS ) assured us verbally and in writing that they would flag our records, so that SLS would suspend the foreclosure process. We were assigned a Relationship Manager that continued to tell us that they would work with us " until all available mortgage relief options have been exhausted. '' We have remained in close contact with SLS since that date. On XX/XX/XXXX andXX/XX/2020, we received the amounts for payoff and reinstatement from SLS.respectively. 
Since that time, we have actively pursued any/all options to address this 2nd mortgage with SLS, again, keeping them informed of our activities pursuing lenders to either payoff the 2nd, or completely refinance the 1st and 2nd. We successfully found a lender to work with us at the  beginning of XXXX and informed SLS of who the broker and lender was to reflect our ongoing efforts. Again, SLS assured us that they would work with us and to not worry about them continuing with the foreclosure process. 

On the exact same date ( XX/XX/2020 ) that our title company requested payoff information from SLS, they initiated the paperwork to record the notice of default ( recorded on XX/XX/XXXX ). This has now completely suspended work on our already approved loan. Our appraisal has been completed, we have a certificate of loan approval from the lender, and were 10 days from closing our loan. SLS chose to file the Notice of Default knowing that we were pursuing this loan, and although we have been transparent with our communications to them, they have acted maliciously near the end of our loan closing to hamper our ability to obtain our funding. 

We have requested SLS to remove the Notice of Default long enough for us to close our loan, but they refused. We are requesting CFPB to assist us with SLS as it appears that they will continue to take advantage of us as we attempt to end our mortgage with them. 

We want SLS to remove the NOD for 30-60 days, so that we may complete our loan. Please note that our original loan in XXXX was {$25000.00}, reinstatement amount is {$35000.00} as ofXX/XX/2020, and the payoff amount is {$56000.00} as of XX/XX/XXXX. We question the payoff amount being over {$21000.00} over the reinstatement amount as well. Thank you for your support and consideration.

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 2020-03-29 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to have this fraudulent data blocked from my credit report through Transunion. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX  {$770.00} XXXX XXXX XXXX {$2200.00}

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 2020-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On Sunday, XX/XX/XXXX, I received a text alert that a transaction of {$50.00} had just occurred on my debit card without my approval. I checked my account and saw that a {$50.00} XXXX  gift card was purchased online using my account and was sent to someone ( recipient of the gift card was listed as e ). My XXXX  account had been hacked. ( I have not given anyone my email address, password, or access to my XXXX  account ) .A few minutes after I discovered this, I called Regions bank to file a dispute. I called today, XX/XX/XXXX, and they deemed the charge to not be fraud.

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 2020-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to complain that Citi doesn't make prompt payment and negotiation for the opening bonus as stated in their promotion package. I opened an account package in XXXX, XXXX ( with told by the banker for the {$400.00} opening bonus if meet the requirement for maintaining XXXX deposit for at least 60 days ). I met the requirements on XXXX, XXXX and was told that I would be paid within 90 days. After 90 days, I have not received any bonus so I followed up with Citi. They opened an investigation case on XXXX, XXXX and confirmed that I was eligible for the bonus ( See attachments attached ). I communicated with Citi with this investigation result, but up till now I have not received the opening bonus yet. Now, I am writing to claim for my rights : The opening bonus {$400.00} as soon as possible.

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 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: PA

Complaint narrative:
I wrote to Collection Bureau Ame on XX/XX/2020 regarding account # : Unknown for the amount of {$390.00}. COLLECTION BUREAU OF AMEXXXX XXXX has not responded to me at all. I is now over 30 days and they also have not sent me proper validation despite my formal request. I have attached the copy of my letter to them.

Company response to consumer: Closed with explanation