vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: TX

Complaint narrative:
I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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:
I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2021-02-20 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Last night I attempted to access my Transunion account in an effort to keep it active and up to date, only to be required to enter a 6 digit passcode sent to the email address associated with the account which took long enough to arrive that it had expired by the time I entered it, causing my account to be locked. I promptly initiated an unlock request through the procedure made available through the merchant 's website, only to be subjected to a repeat of the episode this afternoon, as another passcode was sent that took over 25 minutes to arrive ( although the email timestamp falsely indicates that it was sent immediately, it took over 25 minutes to appear in any of my email applications in use at the time on a variety of different devices ).

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 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This agency located at NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. Is refusing to respond to my validation request of providing proof I owe this debt to this agency, signature, license to collect in the state of Florida, signature and address proof this debt is mine, a lot of violation is committed by this agency per Federal Credit Report Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: NY

Complaint narrative:
My loan is included in the XXXX XXXX sub prime loan nys class action settlement. My account was closed per the settlement agreement but they still havent cleared my title, still no money sent to me and they as recently as XX/XX/2021 reported this account as a charge off to all 3 credit agencies with an outstanding balance of {$2200.00}. because of this i was denied a mortgage and my credit score is in the toilet. I have been fighting this company since XXXX was charged nothing but interest for years, had car repo several times and then forced to pay {$10.00} a month just to make online payment because if i mailed it they would hold it until after due date then charge me late fees. They owe me thousands of dollars and my title and now they are ruining my credit. When is this company going to get shut down. I helped XXXX do an expose article on them and they are still allowed to ruin lives!

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi refuses to process my payments and continues to harass me. I submitted phone to executive office months ago and it still has not posted. Citi offered me reduced payments on a COVID-19 plan but then rescinded that and is not giving me the monthly payments that they offered. In addition, Citi refuses to speak to me on the telephone and will not accept my calls to customer service, but then repeatedly calls me beginning at XXXX in the morning and even on XXXX weekends ( today ). I have attempted to communicate with executive and corporate offices and Citi refuses to address my concerns, closed my account out of retaliation for filing complaints, refuses to process my payments, refuses to honor the reduced payments they offered me, won't quit harassing me via telephone and email but then refuses to speak with me. Citi is intentionally withholding my payments I submitted and refusing to give me the reduced payments in a deliberate act of retaliation in an attempt to further ruin my credit because closing my account for no reason out of retaliation for filing federal complaints wasn't enough. Why do they call me if they won't talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: LA

Complaint narrative:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT TRANSUNION AND XXXX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH CINVERGENT!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE XXXX!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE CONVERGENT AGAIN

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 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: NC

Complaint narrative:
SOMETHING IS SERIOUSLY WRONG WITH GREENSKY. I HAVE MADE THREE PAYMENTS WITH THREE DIFFERENT CONFIRMATION NUMBERS AND ALL ARE REFUSING TO POST TO CONTINUALLY TEXT AND EMAIL ME WITH HARASSING AND THREATENING WITH BAD CREDIT. ALL NEED TO DO THEIR JOB AND STOP HARASSING AND THREATENING ME. STOP TEXTING AND EMAILING ME WITH THEIR STUPIDITY. THEY NEED TO CHECK THEIR PHONE RECORDS AND POST THE PAYMENTS. THEY NEED TO DO THEIR JOB OR GET SOMEONE THAT IS CAPABLE. IT STATED THAT IT COULDNT FIND MY ACCOUNT BUT IT CAN CONTINUALLY TEXT AND EMAIL ME WITH THE INFORMATION ON THE ACCOUNT. I HAVE PAD THREE PAYMENTS WITH TWO BEING PAID BEFORE THE DUE DATE. I AM NOT BEHIND. I AM AHEAD WITH TWO PAYMENTS. SO, NEED TO POST THE PAYMENTS AND STOP HARASSING AND THREATENING ME. STOP CONTACTING ME WITH ITS INCOMPETENCE AND GET SOMEONE WHO KNOWS HOW TO POST PAYMENTS TO MY ACCOUNT. IT NEED JUST CHECK ITS PHONE RECORDS AND POST THE PAYMENTS THAT IT AS REFUSED TO DO. IF YOU CAN CONTACT ME YOU CAN POST TO MY ACCOUNT THAT IS WHERE YOU GOT THE CONTACT INFORMATION. JUST GET SOMEONE TO DO THEIR JOB AND STOP HARASSING ME. THE CONFIRMATION NUMBERS ARE XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. MY PAYMENT HAS NOT BEEN BEHIND BUT AHEAD. IT JUST WANTS TO HARASS AND THREATEN ME WITH BAD CREDIT. EMAILING AND TEXTING ME SAYING IT COULDNT FIND MY ACCOUNT FOR THE REASON IT COULDNT POST MY FIRST PAYMENT. YET, IT IS USING INFORMATION IN THE ACCOUNT TO CONTACT ME. AFTER BRINGING THIS TO ITS ATTENTION THEN IT TRIED TO BLAME IT ON MY BANK INSTEAD OF JUST DOING ITS JOB OR GETING SOME ONE ELSE TO POST THE TRANSACTIONS TO MY ACCOUNT.I AM TWO PAYMENTS AHEAD. I AM NOT BEHIND. I AM WARNING EVERYONE I KNOW NOT TO DEAL WITH GREENSKY, ITS PARENT COMPANY AND XXXX HOMES. ONE THING FOR SURE THERE WILL BE NO REFERALS FROM ME. NOW, IT NEEDS TO STOP HARASSING AND THREATENING ME WITH BAD CREDIT. 
THANK YOU,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We received a letter denying a request for a credit card for Kohl 's department store ( Illinois ) for excessive obligations from outside sources. Supposedly, XXXX agency out of XXXX, Texas, was the decision maker concerning this issue. We are insulted!! We own two homes, two cars and a boat outright and have no credit card debt. Our income is over 6 digits. According to the letter, our credit score  is XXXX! Kohls is the loser. We will never visit that store again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GA

Complaint narrative:
On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

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 2021-02-20 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 got a notification from XXXX about a change to my credit report. XXXX XXXXXXXX XXXX  was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GA

Complaint narrative:
On XX/XX/XXXX, I got a notification from Experian about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

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 2021-02-20 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: LA

Complaint narrative:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX  AND EQUIFAX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX  XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: LA

Complaint narrative:
I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX AND XXXX  ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Lowes just charged almost {$1000.00} in interest on my lowes personal credit card account that only had a balance of around {$3500.00} for no reason in error. This is the second time Lowes has inaccurately and inappropriately levied interest and fees against my account that did not belong.

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 monetary relief
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has consistently reported an account as late. This account is not late. Ive disputed. I've sent in supporting documents. This is

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 2021-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a member of Navy Federal Credit Union for over a decade. I have had checking, savings, CDs, vehicle loans, and in XXXX we took out a mortgage with them. In XXXX I applied to refinance our VA Home Loan in XXXX. I submitted all the paperwork which had no " select what product you are applying for '' and it got routed to be refinanced as a non-VA loan, which wouldn't have saved me anything. I found this out when talking to the processor, who then told me I had to re-apply. I did in mid XX/XX/XXXX and since that point, I have not spoken with a single person who is working on my loan. I was assigned a processor shortly after submitting, but she has not responded to multiple phone calls, voicemails, & emails. I did speak with an individual at the XXXX number, but since that person was not working on my loan, they said they would send a message to my processor, and that person would be in contact with me within XXXX business days. Never heard a thing. I received a call from a customer service rep on XX/XX/XXXX asking how it was going, I expressed my frustration and explained the situation. They asked if I wanted to escalate my issue, I said yes. I finally got a phone call from a loan officer the next day. Only problem was, they called my cell while I was at work ( not available to me ), I got a voicemail so I called back and left a voicemail with my work number, and called back the next few days trying to reach her again. Never got another response. Now Mid-XXXX I became frustrated with still no information or a single attempt to speak with me about my application, I took to NFCU 's " secure messaging '' feature of their app. I left a message on XX/XX/XXXX, explaining the lack of information and desire from my side to speak with someone. The app has a notification that you message was sent, please allow the team members 2 business days to respond. I waited, and of course nothing other than a canned message on the XXXX " Thank you for your eMessage, your correspondence has been forwarded to appropriate parties to provide a response. Thank you for being a values Navy Federal member, have a great day ''. On XX/XX/XXXX, I sent another message via the messenger. At this point I will be making my 5th mortgage payment at my old rate, costing me hundreds more in interest. NFCU has a financial gain in neglecting the processing of my application, and is in my opinion using unethical banking practices to pocket a few extra bucks, or at the very least has incompetent individuals working in their mortgage department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Lowes closed our business account for XXXX XXXX XXXX with no warning and no reason when our account was in good standing.

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