vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

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 2021-09-10 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: NY

Complaint narrative:
XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NY

Complaint narrative:
XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

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 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Square is holding {$660.00} due to a dispute. However, they refuse to return my funds even after the dispute was resolved in my favor. They also attempted multiple ach transactions to collect a fee on that same {$660.00} transaction, which doesnt make sense if those funds were suspicious at the time. This resulted in my bank closing my only mainstream account. Square also closed my merchant account and makes it impossible to talk to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a Complaint about a month ago asking to please provide my updated credit score report on all bureaus and nothing was done about it. im still not able to see my updated credit score.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: TX

Complaint narrative:
I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts was not opened by me, and that I did not profit from this account having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

I have reached out directly to the Lender explaining I was incarcerated at the time when this loan was being processed. I have also submitted documentation to the Lender directly upon their request to submit proof of documentation for my time incarceration.

This account BMW FINANCIAL SERVICES : Account number XXXX which is reporting on my XXXX credit report only ; XXXX and XXXX credit services do not have this account reporting on my credit profile.

I have reached out to the Lender directly numerous times and requested the original contract and I have not received a response. 
Lender contact information : XXXX XXXX XXXX XXXX, OH XXXX and telephone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: OH

Complaint narrative:
There is an account that was paid in full for The illuminating company ( debt collector Penn Credit ) in XXXX of XXXX. I called on a recorded line ( by myself and Penn Credit ) XX/XX/XXXX and spoke with XXXX ( collections representative ) and XXXX ( supervisor ) to request the information be reported removed. XXXX confirmed that he received the dispute from the credit bureaus and says the company confirmed that the paid account was still in collections despite receiving full payment. After several minutes of going back and forth with XXXX who was beginning to raise his voice. I ended the call at XXXX EST. 

I then contacted the original credit that emailed me a letter stating my account has been satisfied with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I HAVE TRIED FOR THE BETTER PART OF THE LAST YEAR TO PLACE A FREEZE ON MY CONSUMER REPORT FROM FACTOR TRUST. FACTOR TRUST HAS MADE IT INCREASINGLY DIFFICULT TO PLACE A FREEZE. WHEN I ATTEMPT TO PLACE THE FREEZE ONLINE I AM TOLD THAT THERE IS NO ACCOUNT WITH MY INFORMATION IN THEIR SYSTEM. I HAVE CALLED AND SPOKEN WITH REPRESENTATIVES AS WELL AS MANAGERS AND WAS TOLD THIS WOULD BE ESCALATED AND STILL NOTHING. THE COMPANY TELLS ME THE REASON THAT I CAN NOT PLACE THE FREEZE IS DUE TO THEM NOT HAVING MY ADDRESS OR BIRTHDATE ON FILE. THE COMPANY IS FURNISHING INFORMATION ABOUT ME TO XXXX CREDIT REPORT YET THEY DO NOT HAVE FULL AND COMPLETE INFORMATION. THIS HAS SEVERELY HURT ME AS I HAVE ATTEMPTED TO CORRECT ERRORS ON MY XXXX CREDIT REPORT. IT HAS CAUSED DENIALS ON MY AUTO LOANS AND HAS CAUSED SEVERE XXXX XXXX ALONG WITH SEVERE XXXX  AND XXXX. THIS IS AGAINST FCRA REGULATIONS AS WELL AS THEY ARE CONFRIMING THINGS ON MY XXXX XXXX WITHOUT HAVING SUFFICIENT INFORMATION TO VERIFY THAT ALL INFORMATION GIVEN IS ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!

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 2021-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I paid down my HELOC and obtained a payoff letter good through XX/XX/21. While in possession of the payoff letter I noticed that some payoff letter fees and an annual fee were charged. The payoff letter fees were waived and the CSR indicated that the annual fee would be waived if I signed the payoff and close letter and returned it by XX/XX/21. Therefore, I signed the payoff and close letter and emailed the executed copy to XXXX, as I was instructed to do so in the letter. On XX/XX/21, I called to confirm that the letter was received and the mortgage was in the process of being discharged ; however, the CSR advised that there was no record of receiving that letter and that the annual fee is still outstanding. On XX/XX/21, at the CSR 's direction, I forwarded the executed payoff letter to XXXX and XXXX. I would like for my loan to be discharged and any outstanding fees to be waived as promised.

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 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I've been writing the credit bureaus since XXXX of XXXX and nothing has been done about these inaccurate inconsistent accounts. Why will they not follow the law? I am a consumer and should be protected from these monsters.

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 2021-09-10 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: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear WSFS, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, WSFS has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including WSFS, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 
What authority if any does WSFS, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2021 around XXXX.. I checked my Wells Fargo online banking account and noticed a charge for XXXX from XXXX  and immediately called the fraud center to report that my card had been compromised. At XXXX that evening, I received a call back during my work hours from the same number I had called at XXXX and thought for sure it was my bank calling about my dispute.. come to find out it was a scam and the scammers got my information because they acted like they were helping me and with Wells Fargo.. They wire transferred {$14000.00} from my account through XXXX XXXX in California. My entire savings, {$2000.00} from my credit card, and all of my checking account completely wiped. Here I am about to turn XXXX tomorrow, a XXXX XXXX XXXX XXXX, and trying to close on a new home and my life is torn now. I have XXXX money in my account and XXXX help from my bank Wells Fargo. They keep telling me my money is not insured but if they would have just closed my account when I first called them then this would not have happened the way it did. I am without a doubt screwed if I can't get that money back. I will be XXXX, with a XXXX, XXXX XXXX XXXX. Please help me.

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 2021-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have worked in XXXX XXXX  since XX/XX/2010 and have been enrolled in income driven repayment plan ever since. I was told throughout the process that had I did not have to submit any paperwork until I reached 10 years of service. Once I submitted by loan forgiveness, they told me had I had 61 one qualifying payments. Not even half over a 10 year span, with the same employer, and same payment plan. The first 3 years are completely missing, then the payment show they were made outside of the payment window. I had automatic withdrawal, verification of payments etc.. I complained to Fed Loan Servicing, who said it would be reviewed. After nothing from them, I submitted a complaint with the ombudsmen, who said sometimes that happens when a new servicer takes over the loan, even if they were made timely. He requested a review. That was months ago. I have since submitted another complaint with My Fed Loans, who again said a review would be completed. Fed Loans will no longer service PSLF as of XXXX, and the rate this is going, no review will be completed either. I am stuck at a job that I can't leave because of someone else 's negligence and can't get any resolution. I have done my part, now it's time for someone to do theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: NY

Complaint narrative:
I opened this auto loan with XXXX XXXX XXXX XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else

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