vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After a kohl 's account was charged off, because their collector told me I may get sued, I settled the account. I spent many months working on this with a company called XXXX XXXX XXXX. They have failed to update the account as settled, which it is, and they have failed to respond to my disputes. Kohl 's is still reporting the card with a balance, which is clearly inaccurate. They are willfully causing me damage by misrepresenting the facts on the account. Please make them remove the account entirely from my credit report because they have reported it inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CT

Complaint narrative:
On XX/XX/2021 my closing was set with Guarantee Rate and they sold ( forwarded ) my account to New bank XXXX and my first payment was sent to them on XX/XX/2021 and it was processed on XX/XX/2021. Gurantee rate said it would take 60 days for them to forward all the payments to XXXX XXXX but its been past 60 days and it still hasn't been forwarded to them. I called Guarantee Rate multiple times to file a complain and check the status of my account. I called them on, XX/XX/2021, XX/XX/2021, XX/XX/2021, and on XX/XX/2021 ; in all those phone calls no one was able to give me an answer and resolve my issue. They kept saying that someone will get back to me once they review my account but I haven't received anything from anyone. I also filed a complaint on XX/XX/2021 online and the case was assigned to XXXX XXXX, a servicing department and a email was sent to me which stated that someone will get back to me within 48 hours but its been more than 3 days and still no one has reached out to me. I also tried to email the customer service representative but it seems that she has ghosted me out and wont reply to me. I also checked with my XXXX XXXX  to see if they could cancel the payments from their end but they stated that Guarantee rate has already cashed the payments so there is nothing that could be done in their end. I would really appreciate it if someone could reach out to me and resolve my issue. 
Thank you!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
In 2006 Navient advised us to do a spousal consolidation. Since then we are inelgible for any government programs like the PSLF program despite the fact that one spouse has over 10 years in Public service. And we were unable to receive covid relief. There are absolutely zero options for us due to the spousal consolidation. There needs to be a dispute process or reconsolidation process available. We are struggling, we've earned forgivness of these loans and we're told " tough luck ''. It's inequitable and unfair. 

On top of that Navient consistently incorrectly reports on our credit and refuses to offer any support for this spousal consolidation that they pushed us into. Young, stupid and fresh out of college, there was zero communication about the ramifications of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have banked with Wells Fargo for several years. Today XX/XX/2021 at XXXX est I called. I am tired of them taking money from me when they are not authorised. I spoke with a banker who said she was unable to reverse my overdraft fees and that the Wellsfargo employees were able to view a different statement other than the one I am able to. I expressed my concerns. I felt it was manipulative that they are able to charge fees for things I am not able to view and continued to justify that I need to pay attention to pending charges they can see but I can not. My account was not in the negative however I was charged a {$35.00} over draft fee that in fact made my account negative. So although I placed funds into my account for other charges not to be negative I was then accessed another overdraft fee. She transferred me to her supervisor named XXXX. He initially stated he was only able to reverse 1/2 overdraft fees that were incorrectly accessed. I had funds to cover my transactions. Unfortunately my account was negative due to an error on their accord. They refused to accept responsibility. My account is currently still over drawn. When I sat on the phone for an hour and XXXX stated that both charges would be reversed and they were not. I am completely over Wellsfargo at this point. They are thieves. They justify fees based off of account details their customers do not have access to. They will over draft you then overdraft you then overdraft you. I am closing my account next week.

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 2021-10-08 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: SC

Complaint narrative:
I have reported and disputed this information several times and Experian continues to allow inaccurate information on my credit report. 

XXXX is reporting on my report in duplicate. This error has remained on my report. 
Error 1 : Duplicate account showing Error 2 : Information is incorrect and shows errors Error 3 : Experian has not investigated this as indicated by the amount of errors on this duplicate error account.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One has failed to investigate the ov er 30 transactions I marked as fraud. They are simply refusing to do so and I have no option left but to use this agency as a means of posting my formal demand letter. I have sent Capital One many letters ( see screenshots ) and made dozens of calls totaling over 50 hours regarding this issue. They have continued to deny opening investigations into the charges I attempted to dispute. I no longer have the time to continue to pursue this with them. They have now received 3 certified mail items over the past month demanding they address these disputes. They have not responded to any of them. I have included one h ere. 

This is my record of demand since due to their lack of communication and of honoring their user agreements with me, I will be forced into litigation. 

They have no offered no third-party arbitration or settlement. The amount is over XXXX USD. The company has stopped responding and unless EVERY resolution offer is satisfied, I will open a lawsuit. This is my last attempt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a mortgage loan with Rocket Mortgage. I requested a modification to the title because of an boundary line adjustment. The title company required a modification. They won't process the modification unless I refinance the loan. I paid for the additional land with my own proceeds and do not require a loan for the additional property. 

This has significant financial implications. The cost to refinance is close to $ XXXX and would require me to restart my loan to Year 1. I don't have the means to shorten my loan to 15 years. So I will now have to pay more interest and increase the balance of my loan in exchange for a simple modification to the title showing a new boundary line. 

What should be a simple modification to the title to show that my lot has gained 75 feet -- it is literally moving the line on the map plot. There is no risk to Rocket Mortgage, in fact, the value of the property appreciates due to the addition of more land. 

People should not be forced to change their entire financial plan, go further into debt, to accommodate this type of policy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX worker, and work at XXXX XXXX. 
During Covid, I was marked late for XX/XX/XXXX, for my Comenity and Express cards Comenity Bank Express card : XXXX and Victoria Secret Card : XXXX. 
I had over $ XXXX in my checking account to make the payments on these, however I came down with XXXX  and the rest of my family was XXXX  as well. 

I was in no mental and physical shape to attend to my mail. I was sure that I had made a payment online, but apparently Comenity claims nothing was received. 
After finding out I was marked late checked the Comenitys website which said I would only be marked late if payments werent received for 60 days, however I was still marked late despite not being 60 days late. 

I am trying to apply for a mortgage and these late payments have destroyed my chances. Im a loyal and happy Comenity customer, Ive read Comenity has made adjustments for people affected by Covid and I hope that Comenity can remove the XX/XX/XXXX, late payments off BOTH my accounts, given that Im a XXXX XXXX. 

Accounts information : Account information number 1 : Account name : COMENITY BANK/EXPRESS Account number : XXXX Balance : {$83.00} Date opened : XX/XX/XXXX Account status : Open Account information number 2 : Account name : COMENITYBANK/VICTORIA Account number : XXXX Balance : {$1500.00} Date opened : XXXX XXXX, XXXX Account status : Open Please see attached my XXXX XXXX ID. 

Solution : remove XXXX late payments XXXX from my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a HELOC with Wells Fargos that was paid and closed in XX/XX/2016. Wells Fargo continues to report this account to XXXX even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to Wells Fargo, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my 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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
For the past several years ( since at least 2016 ), I have been battling with USAA in regards to financial money mismanagement. During those years, they have told me they are working on resolving this issue. I have several bank accounts with USAA, a credit card, Auto, and renters insurance with USAA. Each month, I pay a monthly bill to USAA to pay my insurance. Each month, the insurance payment shows as a pending transaction on my account for a very brief time. Then a few days before the ACH transaction takes place the pending transaction drops off the banking side of my bill pay account. For period of about 8 to 12 days before, during, and after ACH transaction ( with USAA ) the money does not show as a pending or paid transaction. I understand that during the process there should be a day or two that this might briefly occur. However, It literally disappears and does not exist. Then it eventually shows back up at a pending transaction for the follow month or months. The money is in limbo from my account for usually 15 days and the ACH transaction setup in my bill pay magically disappears and reappears every month. When it is there it shows the pending transaction and the future transactions for the next few months. When it is in limbo it is gone completely. The only record exist it paid history. I have asked USAA hundreds of times to fix this issue. I have file hundreds of complaints with USAA. This money mismanagement has made it so I accidently over drafted my account on two different occasions. 



Today, is XX/XX/XXXX. A few days ago the ACH transaction for my insurance payment due on the XXXX of XXXX disappeared from my bill pay account. According to my bill pay account, I have no payments scheduled to pay my insurance scheduled at all or pending from now until the end of time.. Inside my bill pay account, it clearly shows there is an ACH transaction scheduled for the XXXX of each month. I spoke with the executive resolution team ( XXXX ) with USAA today. She would not stop arguing and raising her voice with me. This is the common treatment I get with USAA. I believe USAA is engaged in money mismanagement and/or racketeering / embezzlement. I researched if anyone else is having trouble with USAA and found the following. 



UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY OFFICE OF THE COMPTROLLER OF THE CURRENCY XXXX I also found that USAA was fined {$85.00} million dollars last year for 'Violations of Law XXXX XXXX  : XXXX. 



I am asking someone to look into this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I've been working with XXXX for over a year, now. Trying to get my credit cleared of Collections and medical bills. After so long I finally started to get the collections and medical bills taken off my report and I finally got all collections off my credit file. Then a few months later I was on XXXX  and the collections reappeared. Ever since then XXXX work on continuously to get them removed.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is currently reporting inaccurate information on my credit report..TransUnion is currently reporting an inaccurate Social Security Number on my Credit file. This Changing or false information occurred only after i made a complaint to XXXX about my TransUnion credit file was not being reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe XXXX XXXX cant access my TransUnion Credit file is because the inaccurate Social Security Number being. I have enclosed a copy of my Social Security number and Valid Texas Drivers License. TransUnion for the second time deleted my XXXX XXXX XXXX XXXX Account # XXXX without my authorization.

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 2021-10-08 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: MD

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
RE : XXXX XXXX XXXX, University XXXX, XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$150.00} Highest Balance {$0.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$380.00} Highest Balance {$0.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XX/XX/XXXX These charges should have been sent to XXXX XXXX XXXX. I sent the XXXX XXXX information to XXXX but they decided to put these charges against me anyway. 

House Bill 388 states that I should not have been involved in this dispute. 

I need for these debt charges to be removed from my name and that it is stated that I have no responsibility regarding this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
I had a HELOC with XXXX XXXX that was paid and closed in XX/XX/2016. XXXX XXXX continues to report this account to Equifax even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to XXXX XXXX, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I have never signed any contract with this company. This company is violating HIPPA laws by disclosing to credit reporting companies medical information for collection.

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