vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX and TransUnion sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX  made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened

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 2021-09-23 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: CA

Complaint narrative:
XXXX, Equifax and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, I submitted a request for a lower monthly payment to my loan with myfedloan. I stated that since my divorce I am newly married with XXXX new kids and have new financial responsibilities along with the student loan payment. Since the pandemic I have been struggling to make ends meet. I am in a public service loan forgiveness program that makes no sense!! At the current loan payment program, I will be paying off the loan far sooner than the 120 payments. This program does not help me. I am a XXXX XXXX XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: TX

Complaint narrative:
To whom it may concern ; 1st Midland Mortgage was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score. 
3rd on all 3 credit agencies ( XXXX, XXXX, and XXXX ) are reporting different and inaccurate 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 2021-09-23 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: TX

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2021-09-23 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:
Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX  XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX i did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and i had to pay for it. This is illegal because if a debt is not the consumers than it must be disputed.I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since 2018. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, Transunion, and XXXX ) are reporting different and inaccurate 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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern ; 1st XXXX XXXX was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on Equifax late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( XXXX, XXXX, and Equifax ) are reporting different and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( Experian, XXXX, and XXXX ) are reporting different and inaccurate 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 non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have tried to do a Harp and was told repeatly forms was missing. I was going into forclosure and filed bankruptcy 2012? After the bankruptcy I did not know that my adjustable mortgage had ended and I was still paying interest only, about four months had passed an I was told I had to pay the full amount. Now I was behind in my payments. In 2012 I was on workers ' comp, and did my modification and my payments increased. After paying bills that comes with the house, like gas, electric and water and garbage and my cell phone bill it left me without any savings. I had to borrow money to live, I have written letters stating that NationStar Mortgage had my income verification wrong and my payments should not be more, for a modification that turn into a interest-free forebearing and a ballon payment and for years I have not paid anything on this forebearing. NationStar/Mr. Cooper just added the interest free forebearing to my mortgage the forebearing is mostly attroney fees, I could have made the full payment, but they would not accept any payments before the modification started. This is my second compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: NY

Complaint narrative:
these accounts are affecting my credit report. Please remove them.

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 2021-09-23 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: NY

Complaint narrative:
these accounts are affecting my credit report. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
An individual from XXXX used PayPal to purchase a rare vintage shirt from me for {$1800.00}. Upon receiving the item, he filed a complaint and asked to return the shirt. Instead of shipping the item I sent, he returned a cheaper counterfeit shirt that was essentially worthless. I made the issue known with PayPal and they assured me I would be taken care of. After filing my complaint and submitting photos of the item I received, PayPal required me to file a police report or they would automatically deny my complaint without looking at it. After speaking with my local police department, they informed me that police dont get involved with postal disputes and that I would need to speak with the Postal Service . Another issue is that the item was shipped to an address in Connecticut and then returned from XXXX, incurring import taxes that Im forced to deal with. PayPal saw no issue with this absolutely unbelievable, its basically inviting limitless amounts of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened a new Barclay XXXX XXXX credit card under a promotional offer. Based on this offer, after my first purchase using my Barclay XXXX  credit card, I will receive XXXX bonus miles. 

However, Barclay 's partner XXXX XXXX all the sudden closed my XXXX  account without any legitimate reason. As such, so far I have NOT received the XXXX bonus miles per the promotional offer. Meantime, I can not access my XXXX  account either. 

Since I have NOT received the XXXX bonus miles, I request Barclay to post the equivalent {$600.00} statement credit to my Barclay credit card account instead.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells took my home in an illegal short sale

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This account paid with the agreement that they remove from my credit report. Please delete this account from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account paid with the agreement that they remove from my credit report. Please delete this account from all 3 credit agencies.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my Experian report it's show I was late with XXXX XXXX on XX/XX/21. I did not have service with them. This inaccurate information affected my credit score. Please delete this account 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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied the Amex cash magnet card few months ago.The reason I applied the card because I received an email about the promotion that said {$200.00} bonus if spend {$1000.00} within 3months .I called the customer service Because I had Amex blue cash card with them, he told me its different type of card which I could still get the account bonus if I got approved! so I decided to apply the credit card and got approved.After I spent the {$1000.00}, I did not see any credits or cash back points for {$200.00} value on my cart .I called them at least 5 times .First time, let me Waite for anther 8-12 weeks after the {$1000.00} purchase and told me the bonus was on my account.but after 2billing cycles, still nothing .I called gain.The agent told me he checked everything on my account and i was eligible.he would go ahead to request the {$200.00} bonus which was missing on my account .Let me waited about 3-5 business days .A week later .Still nothing, I called them and also chat over the app.The phone side agent told me Amex only provide one time welcome bonus for life time, thats the reason why I did not receive it .But as I asked the agent before I applied, this is definitely wrong, I also I researched on XXXX .Thats not true! I decided to chat with an agent on app, the agent told me I accepted the Amex declined welcome bonus when I applied the card, which show on my desktop! I did not see anything show up I would not receive he welcome bonus! If I saw it I would not go ahead get the card which I already had credit cards! They tried to declined my welcome offer with multiple reasons which every time was different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So my sister passed away XX/XX/2020. She left no will husband or kids. I'm her last living relative. While she was alive the home loan was on forbearance. Forbearance ended now the mortgage is about 4 months behind. When I first as like to wells Fargo they told me to fax documents and such. They'd would make me successor of interest. Then I would get calls asking what I wanted to do with the house. Keep up with payments or sell. I want to sell. Well now it turns out I can't be the successor of interest cause supposedly I didn't send proper documentation. Wow seriously?! It's almost going to be a year and nothing gkt done!

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 2021-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I attended XXXX XXXX and graduated with a worthless degree in XXXX. At the time they made promises about Job placement, expected income growth, accreditation, credit transferability ( if that is a word ) and the acceptance of there degrees within the IT workforce. All of it was lies. 

Dept. of Education : I have since paid off my federal FFEL loans and since they are at a {$0.00} balance I can't consolidate them into a " direct '' loan for refund of the almost XXXX ( estimate ) I have paid over the last 12 years as part of a borrowers defense forgiveness through the Dept. of Education with President Bidens recent loan forgiveness for XXXX XXXX student. I am falling through a crack with that plan. 

Navient : I tried to file a closed school discharge with Navient that was denied because I had already completed my worthless program before the school filed for bankruptcy. 

It is well documented that these loans private and federal were fraudulent all of the courts have already decided that ( CFPD included ) I don't know who to chase anymore. Navient just keeps redirecting my calls to debt collectors, debt collectors refer me back to navient, and XXXX is closed. 

Also there was appearently a class action suit? that was settled in XXXX that I would have been included in, but I moved in XXXX and my servicers did not have accurate address information. I have received no notifications about this suit or do not know how to follow upnon any disbersment from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Capital One is reporting an account ( XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX XXXX XXXX ) in my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies.

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies.

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information.

If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation