vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian in regards to a dispute on XXXX XX/XX/2022. Experian informed me that they do not need to get any information from the reporting company in order to verify any information that is furnished on my consumer report. If the reporting company tells them that it is verified once it is disputed, they will allow the company to report. Violating 15 USC 1681i ( a ) ( 4 ), Experian does not and will not consider my evidence. Experian stated that they do not need any proof, they take the companys word. This is a violation of 15 USC 1681i- which makes it clear that EXPERIAN MUST complete an investigation to determine if the information is accurate or inaccurate. THIS PHONE CALL IS RECORDED AND SUBMITTED WITH THIS COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
In the middle of XXXX we were told by XXXX XXXX that our loan was bought by XXXX XXXX Lakeview Mortgage company. We were told we would receive information within 2 weeks of start of the new contract ( new contract started XX/XX/2022 ) We have gotten no contact from XXXX XXXX Lakeview. or any XXXX XXXX company. I reached out to contact them and was stuck on hold, when i opted for them to call me once my place in line was up i never got a call. I seem to be able to make payments over the phone but have no account information or number. As a first time home buyer my goal was to setup autopay as fast as possible like i did with our previous company ( XXXX XXXX ) While you don't need a loan number over the phone to pay you do to setup autopay which i still don't have.

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: AZ

Complaint narrative:
On XXXX Upon checking my score with Experian i noticed my score dropped XXXX to a score of now XXXX points due to " an account 60 days past due or derogatory indicator '' However my credit summary reflects a perfect payment history and my score at XXXX and XXXX as well as my personal banking credit score does not reflect any derogatory indicators and my score through these reporting agencies reflect XXXX respectively. 

I have contacted Experian approximately 20 times to resolve this issue and have not been provided with a solution to why this is being reported upon logging into the Experian app. This situation has caused me an enormous amount of stress. I should not have ANY derogatory accounts or missed payments on my credit report When i attempt to dispute this with Experian they transfer me to different departments and refuse to remove the derogatory indicator from my credit summary. The Derogatory indicator is not linked to any specific account it simply is just posted to my credit summary. When I attempt to view my payment history my rating has changed from " Exceptional '' to " Good '' with a last missing payment date of " Unknown ''. 

This is false reporting on my Experian 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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Good afternoon, whom it may concern. My name is XXXX XXXX. I filled a fraud report with Wells Fargo on the XXXX of XXXX. I applied for a personal loan with the loan company and the company ask me to provide my personal information which included my banking info on the loan application. I immediately called in when I realized it was fraud and provided them with all the information I had on this company. I have called literally everyday since this claim have been open to check the status. My account was $ XXXX I had a deposit from my job to hit. But the negative ate up the positive, which still giving me a negative balance of $ XXXX still. I have express to this bank on multi times that I do not have any funds available to me. I have two kids that I have to feed and gas to put in the car to travel to wrk. This company is the WORST. No one never help or show any type of empathy. Only because its not there money. My XXXX business day as they say will be Tuesday/Wednesday of next week. I also recently received a alert the fraud had bought a tv for {$1400.00} while this investigation is still open through XXXX that I had to stop and cancel the order that was placed in XXXX and I am in Georgia. Not understanding why WELLS FARGO did not see this happening. This has been a long frustrating two weeks not having any money and only to call a bank that NEVER have any information about your claim. I do understand that theres a protocol that should be taken place. But for this to happen all the way in California and Im in Georgia should state the facts that its FRAUD. Im emotionally and physically drained. I dont even have a {$1.00} to get by. I work in the medical field ( E.R ) so I have to be there for others but I can not do that if I do not have a way to work. I have called this morning the young man AGAIN had no empathy and just hold the phone into you hang up. I WILL NEVER REFER ANYONE TO THIS BANK. ONCE THIS INVESTIGATION IS OVER I WILL BE CLOSING MY ACCOUNT. Thank you so much for listening. I pray that you can 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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.

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 2022-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/2022, 39 State XXXX  's announced a settlement with Navient. Navient is required to pay out billions to borrowers. One of these XXXX 's is NC XXXX XXXX XXXX. 

I have been trying for the past year to make Navient understand that I am retired and on a limited income and no longer can afford anything for pay back. Since it has been 20 years and XXXX months since the inception of this loan, I have been requesting Loan forgiveness. Navient gives me alternatives which require payments for another XXXX years. They continued to telephone me even though I asked them to use the XXXX for communication. The FSA site says I don't have any payments to make until XXXX, 2022, but I continue to getr threatening bills from them as recent as XX/XX/2022. 
On the same day, XX/XX/2022, I received a cutesy letter from XXXX with a new account number, trying to get me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Made payment to Sams Club Mastercard instore, {$120.00}, on XX/XX/2022. 

While the website states a payment is not due, the payment is not reflected in the payment history in the attachment.

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 2022-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting a wrong address on my consumer report and is being reluctant to remove it. I have never lived in XXXX.

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I live in XXXX, and dropped off a check at a mailbox at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}, made out to my XXXX for his XXXX. 

On XX/XX/XXXX, I discovered that the check was cashed for {$5800.00} to an unknown payee, XXXX XXXX. The check appeared to have been stolen from the mailbox ( which has been happening often in XXXXXXXX XXXX XXXX XXXXXXXX ) and doctored. 

I raised the issue with my bank, Ally, immediately and closed the account. The bank promised to reimburse the funds as soon as they were available, but no action has been taken since the end of XXXX when the funds were listed as " pending ''

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 2022-02-18 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I went into a branch about a credit card come to find out someone tried to open and account in my name in XXXX but with negligence on behalf of navy federal credit union it wasnt identified or brought into question until I was approved for the credit card after being denied for years most of my banking has been done online without problem but once i come in person identify myself with every document or passcode they required Im still denied access to my funds I have had this account for XXXX  years Im a XXXX 100 % percent total and permanent XXXX veteran my only income is not accessible to me at no own fault of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA has been reporting an open account on me credit report since XXXX. 

My account was closed by XXXX in XXXX. 

The company keeps re-aging my debt, most recently from XX/XX/XXXX ( from XXXX ) to now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I was going to be a XXXX customer. I had equipment shipped out. I decided not to pursue this and cancelled the lines for the phone and returned the equipment. I still received a bill after being told my debt would be {$0.00} since I cancelled that day. Since then I have received two bills with different amounts. I have called XXXX three times and each time they confirm all equipment is returned and balance of account is XXXX. Now I am receiving a collection debt from a collector on behalf of XXXX for XXXX balance XXXX has repeatedly said is {$0.00}. I never used the service and returned all equipment. I do not owe this debt.

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 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I had to go to the ER in jax fl in late 2018 and my insurance covered all the bills except for the {$530.00} and the hospital said they would waive it since i was a teacher and made less than $ XXXX- which was their income cap to waive remaining liability. I faxed in the income docs but the clerk never filed them so they turned it over to collections. It should NEVER have been reported as the hospital said they would waive it for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I filed a complaint against Equifax about inaccurate and re-aged information on my credit report involving XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX because they failed to investigate and delete these inaccurate accounts. The information i provided in my dispute was factual data pulled directly from my credit report, and yet they still responded to me stating that the information has been verified as accurate, which is a lie. Because if you look at the information I provided, you could see the blatant inaccuracies I complained about. It's plain as day. For example, on the XXXX XXXXXXXX account, How can I be 120 days late on a paid closed account? I mean, the account is PAID. The account is CLOSED. So how am I 120 days late. It doesn't make any sense. And this applies to the four XXXX accounts as well. The XXXX accounts say i'm 120 days late, but they are also closed and paid. Bottom line, an inaccurate account can not be found accurate. It's a total contradiction. Furthermore, I just received their response in the mail regarding my recent complaint stating that their investigation into these accounts is complete and that my credit profile has been updated. The only thing they did in regards to my credit report is update my personal information. The problem here is, I didn't ask for my personal information to be updated, nor was that my reasoning for dispute. They did no investigation into the accounts i disputed. The same information is still there. Even the accounts themselves weren't updated, which goes to show me that NOTHING was actually done nor investigated. In other words, their response is a bold face lie, and i want something done about it. There is no way i can give you proof of something, in black and white, and you just ignore it as if it doesn't exist. This is completely UNFAIR, and i want the accounts deleted from my credit report immediately.

Company response to consumer: Closed with explanation