vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Last XX/XX/XXXX, The Home Equity Loan that I took out with US Bank, contacted me to tell me that in one year, my draw period would be over, and that the terms of payment would change. I was advised to call the bank to discuss options. I called and spoke with someone by the name of XXXX. I believe her last name was XXXX, but I could be wrong. I asked her what my monthly payment was going to be, once the new terms were in place. She told me she would have to do some research and get back to me. Two days later she called back, and advised me that my payment would be somewhere around $ XXXX month. At that time, that amount was feasible for me, so I opted to not refinance or take out a different type of loan. XX/XX/XXXX, My loan terms change, and my payment goes up to $ XXXX month. We are in the middle of a pandemic, XXXX XXXX a XXXX XXXX  is on hold, I'm on unemployment. So, not only can I NOT afford the new payment without serious hardship financially, but due to the situation, I am no longer in the position to be able to refinance or get a new type of loan. I have discussed this with US Bank, they are refusing to do anything to help me. What if anything can I do, in this situation.

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 2020-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I had a equity line for the sum of {$40000.00} when i purchased my home thru Ocwen well this was in approx. the year 2001 well it was never disclosed to me that the XXXX XXXX dollar payments a month in the terms was only going toward the interest on this loan. I am a blot naive to real-estate practice and was never aware that this equity line has never went down for the past 20 years the loan was sold to PHH Mortgage within the last year or so, .well I got behind on payments to Ocwen and they tried to foreclose on my property. in which forced me to file a chapter XXXX.well last 5 years I have not missed a payment and my chapter XXXX is complete .I have tried to contact someone at PHH on numerous occasions in which I get thrown from one person to another and never get anything resolved. Now I have been sent a letter that the loan has reached its maturity and they demand that i pay {$37000.00} to them in which is impossible. I am stupid to believe my loan should have been paid off a very long time ago instead I just kept making interest only payments don't know which avenue I need to turn to.at the first of XXXX we were in a pandemic and I went to their hotline and did what I was told to-do well I assumed I was under a forbearance and with no work I could not pay for 4 months they tell me they have no forbearance documented now and this loan has reached its limit. don't know who to turn to feel like I have been taken fully advantage of the last 20 years because of my lack of education and being naive to the real estate procedures? don't know who to turn to for help cant afford a attorneys and feel I have no leg to stand on please direct me in the direction I need to go with this because nobody at phh mortgage has a clue what's going on I get put on hold from one person to another and every person in that company just don't want to deal with me so they either hang up on my call or put me on hold to someone else then get put on hold and the possess starts over in one vicious circle .I operate my own XXXX and I dont have four hours a day to play phone games with them and in the end never get anything resolved. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My rights were violated pursuant to Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
There is no physical proof or documentation ( contractual agreement signed by myself ) showing that this debt is owed to the company requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has been sent two letters to correct inaccurate information on my credit report and I am being ignored. My child support case is closed and they are reporting it as open. Moreover it's also being inaccurately reported as 120 days late for {$0.00} dollars and my monthly payment is being reported as {$0.00} dollars! Please tell me how I can be 120 days late when I owe NO MONEY and my monthly payments were {$0.00}? Makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent 3 different letters to Experian for different. After tracking them I was able to see that Experian had signed to receive all three letters on XX/XX/2020. Experian only responded to one of the three letters received. I sent out a failure to respond letter in which they received on XX/XX/2020 along with copies of each letter I had originally sent to them and all 3 copies of the certified tracking slips that I received when I mailed the letters to Experian. Ive submitted complaints with the CFPB in regards to how Experian has handled my previous disputes and how some of my previous disputes had not been marked as in dispute even after pointing out the FCRA violation. It is obvious that Experian has not performed an independent investigation into my issues and they do not care to follow the laws afforded to consumers under the FCRA. I recently received an updated credit report with no changes! Why were these accounts not handled properly? Experian failed to respond to my disputes in the allotted time provided to them by law which is cause for an automatic removal of all the disputed accounts in the letters sent to them on XX/XX/2020. In previous complaints placed through the CFPB Experian either reopened the dispute and made no change or responded and informed me that they could not look into the situation because they were not sure I was who I claimed to be.

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 2020-11-11 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:
I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.

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 2020-11-11 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:
I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TN

Complaint narrative:
I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to use my ten year Kohls card online and had to call them. They closed my account due to inactivity 2 weeks ago without notice, damaging my credit score. I explained I've been down with long term medical issues. They said they couldn't reopen the account because Capital One wouldn't let them. One lady said they didn't have to notify me, another claimed they did. Spoke to CapOne corporate, they said that is a lie, it's 3rd party and Kohls controls it. I worked really hard to build my credit. They sent me to fake Corp numbers and denigrated Capital One. I want my score fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/19 for {$270.00}. This is for a website called XXXX. I cancelled this. XXXX  does not have a problem giving a credit back on the card but they don't see the charge. Now I am stuck with a credit card bill for {$270.00} that I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
My rights were violated pursuant to Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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:
I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.

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 2020-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Since 2005 after leaving school, I have tried several times to get a affordable payment plan for my student loan. However, I was never able to get a lowered amount to pay for my loan. They set this high payment and I was never given a chance of getting a lowered offer. I am a XXXX and I would like a fair chance of getting my student loans forgiveness. Please help me to get a loan forgiveness plan that I need. My complaint is with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hello, since XX/XX/2018 someone has used my name and charged me for {$690.00} on XXXX. I have never spent this amount on XXXX and the statement says that I applied for an XXXX card, which I have never done. I have just received the statement for this a couple days ago from the Midland Credit Management and I am not even aware of the address that is on the statement. The address that is under my name is XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TN

Complaint narrative:
I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TN

Complaint narrative:
I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.

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 2020-11-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a letter of inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that you may have caused me. My information was also impacted by the Equifax data breachand may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My rights were violated pursuant to Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
I have submitted my reports for thorough investigation of fraudulent accounts reported on my credit history that is causing threatening acts towards my livelihood. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This is now my second attempt at requesting these accounts to be removed from 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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I am submitting this complaint because I am being extremely affected by a late payment reported on my BARCLAYS BANK DELAWARE account. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
By the end of XXXX, I Had travelled to TX after renting car to see my wife during Covid. I was stuck there since my wife fell XXXX Later I tried a few times to make payments but would be on hold forever and I had limited internet access and didnt have access to mail. 

I got a {$10.00} charge, a {$30.00} late fee, and a 30 days late payment for XXXX on my report. 

I want to express that beside the XXXX  situation, I have suffered a big impact in my credit score and I have lived one of the worst periods of my life. 
since this was a situation that I could not control. It was my wife XXXX, the limited internet access and the emotional stress that I was going through that stopped me from making my payment, not a hardship or even worse, that I didn't want to pay. 
I requesting the late payment removed the following account : Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Opened Date : XX/XX/2015 High Balance : {$1200.00} Balance {$42.00} Please sed the attached proof of car rental. 

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 2020-11-11 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:
I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.

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 2020-11-11 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:
I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
In retaliation for filing a CFPB complaint ( XXXX ), XXXX XXXX re-aged an account on my TransUnion credit file.As per the Fair Credit Reporting act, this is illegal. Re-aging a debt for this reason is a FCRA violation. Violations of this provision may result in civil penalties of {$2500.00} per violation. 

On my XX/XX/XXXX credit report, it states that the account was closed on XX/XX/XXXX. My CFPB complaint was sent to XXXX XXXX on XX/XX/XXXX. On the report I pulled today, it states that the account was closed XX/XX/XXXX which is flagrantly retaliation for filing a complaint.

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 2020-11-11 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:
On XX/XX/XXXX, I found out through my mortgage company that an erroneous creditor was showing as a charge off. XXXX XXXX was shown as a collection agency for XXXX XXXX. Back in XX/XX/XXXX I originally learned of the charge off. I contacted both parties to learn that the chargeoff was for a payment made to XXXX XXXX XX/XX/XXXX ( 2 years prior ). The chargeoff was in error, XXXX XXXX, XXXX XXXX was to request the deletion from my credit reports for XXXX XXXX, XXXX, and Equifax. Per XXXX XXXX, he requested the deletion and Equifax did not the process it. I contacted Equifax and they tried passsing the buck to XXXX XXXX. Although I explained I have a home loan pending, I was told the earliest they could handle was 30 days which is to late. I called Equifax 4 times and requested to speak with a Supervisor and was left on hold for 1 hour, 20 minutes ... .and was eventually hung up on each time. The agents seemed foreign and not concerned about emergencies that are detrimental to ones life. I stand to lose my home that is in escrow if this is not removed immediately.

Company response to consumer: Closed with explanation