vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Sallie Mae This account with Sallie Mae has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and Sallie is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase just randomly closed my account with no explanation no nothing went to log on and it said account was locked to call so I called and they said it was closed did not say why or anything and from further research they do.this all the time to people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Conn's, Inc.
State: AL

Complaint narrative:
From XXXX until present Ive been making payments more than the monthly payment and Im being charged late fees and reported delinquent on my credit and Ive never missed a payment and not even due being that Im paid up for months with Conns Home furnishing. Ive made over 20 attempts with the company which admitted to this issue and said it would be escalated for issue to be fixed. It is still not. I have supporting documentation to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Transunion and XXXX XXXX  are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this transunion and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from transunion XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When the COVID-19 pandemic first occurred I called the company, XXXX XXXX, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.

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 2020-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I mailed a payment of {$110.00}, check number XXXX, dated XX/XX/2020 for my payment due on the same day. 

The check was lost in the mail, as I mailed it to an old address, and was not notified by the company, Atlas Credit, that they had moved to a new address. 

I informed the worker at Atlas Credit that I would come into the store and make the payment in person. 

So I drove to the old location, only to notice that there is a new location when I got there. I called the store, and at this point the worker gives me the new address. 

I make the payment due XX/XX/2020 with replacement check number XXXX in the amount of {$110.00}, dated XX/XX/2020. 

I had another regularly scheduled payment due on XX/XX/2020. On or about XX/XX/2020 a worker from the store calls and informs me that I have a payment due and asks when I would be making it. 

I replied, I dont know. The response was not sufficient to the worker and they told me they would call everyday until I made the payment. 

For the next two plus weeks, I got a call every business day from the store ( as identified on my caller id ). Each time I did not answer the call. 

On XX/XX/2020, I mailed check number XXXX in the amount of {$110.00} for the payment due XX/XX/2020. 

On or about XX/XX/2020 the collection phone calls from the store ceased. My presumption is that they received the check payment. 

On XX/XX/2020 I called the store to ask whether they had received the check mailed on XX/XX/2020 and to get the loan payoff amount. 

The store worker advised me, much to my chagrin, that they had not received the payment. 

Very odd, to say the least, considering the store worker had previously harassed me on a daily basis ( prior to me mailing the check ), as she pretty much said she would. 

I personally feel that, based on the circumstances, the check mailed XX/XX/2020 was not lost in the mail, but rather it was received by the store and PURPOSELY being held and not applied to my account, so as to negatively affect the credit reporting. 

Rather than take a chance on the negative credit reporting, I decided to personally deliver a cash payment of {$250.00} and some odd cents to the store to pay off the loan. 

In summation, this company is engaging in unfair, scrupulous and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has wrongfully refused to remove incorrect information on my credit report that was provided through fraud by XXXX XXXX XXXX. I proved to the XXXX XXXX County Court at Law 4, that my XXXX XXXX  account was hijacked by fraud in XX/XX/XXXX. XXXX sued me in XX/XX/XXXX for an account I paid in full in XX/XX/XXXX. It was hijacked afterwards. Please direct Experian to remove this fraudulent entry on my credit report. I will attach the documentation. Experian even in an asinine manner told me to contact XXXX, when my attorney has been in contact with them frequently already and they are still reporting incorrect 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 2020-07-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have called Equifax Numerious times trying to get a credit freeze off of my credit report. I get a foreiner who knows nothing and thinks they own the company. They keep telling me that that I ghave to send in more info to get my credit report. I would like to purchase a car and they are hurting me. They want me to send info to put into the database so they can let everyone get it again from there data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE

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 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
1. Found out about this in XXXX, XXXX due to applying for a mortgage loan and this collection was on my credit. It was listed as from XXXX XXXX XXXX XXXX  for {$330.00}. I immediately called the company and talked to collections who said they had an account in my name but could not help me unless I had an account number. 
2. I let the property go that I wanted to purchase and asked the lender for more information. They sent my credit scores which had dropped by 100 points. 
3. I then contacted the credit reporting agencies and disputed the charge assuming it would go away. 
4. I received a notice saying it was valid. Now I haven't had a phone with XXXX XXXX XXXX since XXXX. When I cancelled my service with them I was not under contract for 11 months and it took them two months to stop the service. I already had another phone and service with XXXX  XXXX. 
5. I was able to receive the account number through the credit reporting agency. 
6. I just got off the phone with XXXX XXXX XXXX collections and in order to find the account I needed a pin. They said they had to email to me at the email on file and reset the pin. 
This is a tactic to update the last contact to reflect this as a current account and reflect this date on my credit making it look like a current collection that I do not owe them. Their dirty business practices are illegal. I do not owe this and this has caused me trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I am working towards Public Student Loan Forgiveness and my qualifying payment calculations are incorrect. 

On XX/XX/XXXX I spoke with a member from Fed Loans who recommended I request a manual recount, which I did. However, was told at time it may take " awhile ''. Manual recount requested of all months since going into loan repayment ( XX/XX/XXXX ). I never received any information on this being completed and no documentation of this in my account. 

On XX/XX/XXXX called again, was told the case was closed and they recounted for the few months I requested ( not all months as indicated ). Count is still grossly off including multiple loans having different number of qualifying payments. 

My payments have been on autopayment, therefor all loans should have the exact same number of qualifying payments ( was told on first phone call that this problem happened A LOT because autopayment made it falsely look like the full loan payment wasn't made if it was applied differently to multiple loans ). 

Awaiting another manual recount at this time. However, current counts are still grossly different than my personal counts. They are at best 20 months off, at worst 56 months off. 

There were a few brief periods of forebearance, 1 month and then another period of 1 day which should not account for such a gross discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE

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 2020-07-02 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 AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY EQUIFAX CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
Hello, I have disputed the XXXX  account multiple times and submitted all necessary proof stated in section 605B of FCRA and still item appears in my credit. I have no other choice but to write this complaint and hope for the best.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have 2 accounts that were closed by the company Citibank Retail. Sears Master Card account number XXXX and Home Depot account number XXXX. I had an excellent payment history with the companies. I was XXXX XXXX XXXX XXXX and was going through the mail and received letters indicating that my account payments had been reversed and that the cards were closed. I was baffled as I had not made payments to the account that were reversed. The account had 2 or 3 payments, that were made from account that I am not aware of and never had any association with. They ( Sears Mastercard ) charged me numerous fees associated with the unauthorized bogus payments and there was a charge for {$1400.00} on XX/XX/01. I was still held liable for this charge though it was a fraudulent charge. According to Sears policy, I am not supposed to be held liable for fraudulent charges but yet I was. I was baffled. I unfortunately had been continuously in and out of the XXXX  with XXXX XXXX and I still am going through this as I just was XXXX a week or so ago. Even though it's a pandemic, I have been in the XXXX   numerous times, which is extremely scary, as well as in and out of XXXX  with my mother as I was her only caregiver which unfortunately she passed. I explained this to the company and asked them to look at my payment history and the account in which I pay them from they would see that I have never submitted a bogus payment nor have I made a payment from the account that made these payments that they reversed. The customer care would not assist me and I was forced to make a payment plan of {$130.00} because I did not have the amount that they were requesting because of this situation. Also, I was still trying to demonstrate that I am upstanding and wanted to make the account right. I also was told that they closed my Home Depot credit card because it was under the same company ( Citibank ). They did not care that I had a flawless payment history with Home Depot. i explained to a loved one what transpired and they suggested to make a complaint since I was being held for accountable when I shouldn't have been.

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 2020-07-02 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
There is an account on my credit report from credit acceptance for XXXX. They are reporting this account open. It should be closed. I havent made payments since XXXX. It is set to fall off my credit report in XXXX. They also reported an older account fraudulently. They reported i made a payment in XXXX and i never did. It was the auctions payment they are counting as mine. Please help me i want to seek legal action if they do not fix 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 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have on multiple occasions disputed this account with Bank of America saying it does not belong to me and Bank of America continuous to say this a accurate account without any document verification. Under FCRA section 623 it pacifically states that they have to show document verification that associates me with this account and if not thay have to remove it from 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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a Vanilla gift card for {$500.00} and when I tried to use the card online, it was declined. The phone customer support people couldn't fix the problem and said they'd send a refund check. I emailed them all the required documents to XXXX. It's been a week and they still haven't responded after sending several follow-up emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Referencing my CFPB Complaint Number XXXX, this is a follow up submission. I have been charged a fee by Citibank dating back to XX/XX/2003, for " Payment Safeguard '' protection, a product/service that I never signed up for. I have asked Citibank to provide me with proof of me signing up for this product, but they have not produced this proof to date, simply stating that their " ... records reflect you enrolled in Payment Safeguard, formerly Credit Protector, on XX/XX/2003. In addition, we mailed you monthly reminders on your statements, which provided information about the program benefits and pricing, as well as a phone number you could have called to cancel your enrollment. '' I do not recall ever seeing anything come to me in the mail providing me with program benefits and pricing, a phone number to cancel enrollment, not even a letter confirming my enrollment in the program. My experience here sounds exactly like the experience another of Citibank 's customers had ( a XXXX XXXX just last year ) as evidenced by his story at the following link : XXXX XXXX   XXXX. My ask here, again, is that Citibank provide me with proof of my signing up for Payment Safeguard this product on XX/XX/2003.

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
According to an account stating that I currently have a balance from XXXX ( Telephone company ), and Wells Fargo in which it was reported to the credit bureaus ( XXXX, XXXX, and XXXX that I owe does not belong to me. I have enclosed proper proof that in fact that I am not responsible for the account. If you need any additional information, please feel free to contact me. XXXX XXXX XXXX XXXX : XXXX or via e-mail : XXXX. Thanks in advance. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I received an offer for my Chase United credit card in which if i add an authorized user to my account i will get an XXXX bonus miles. 

I have done my part and added an authorized user but Chase is refusing to honor their commitment & not giving me the miles. 

I have tried multiple times to contact them but they wont listen. 

thanks, XXXX

Company response to consumer: Closed with non-monetary relief